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Hypochondriac or Debt -Which is worse By RJ-President/CEO of R. J Credit Associates Which one you say? Its debt, debt is the worse because its hardest to fix than this medical illness. The title may sound like these two words have no relation…

Review the Disclosures Before you write an offer on a house be sure to obtain, read and understand the disclosures related to the property. In Michigan there are two primary disclosures you should obtain: Disclosure of Information on Lead…

Part Two - Creating Your Budget If you followed the suggestion in Part One of this blog topic you have already tracked your spending habits, collected your income information and are now ready to create a budget that accurately reflects your…

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Get a Mortgage Pre-Approval Letter Back in the wildcat mortgage days of the 1980's and 90's real estate deals could come together with a pre-qualifying letter. A pre-qualifying letter? Didn't I just say get pre-approved? What's the difference?..

Work with an agent of your own choosing. Let's face it. I've dealt with buyers who decide to work with the listing agent. You must remember this, the listing agent is working for the seller. Anything you say or disclose that could possibly…

Part One - Gathering Your Information How much did you spend last month? How much should you be spending? When should you spend it? How much do you need to save for "it"? Why do you have "more month than money "? The answers to these…

How well are you? No, I don't mean physically or even mentally but financially. Don't know? Don't feel bad, not too many others know either. In the coming issues I will present several articles for your information. The articles will cover…

Script for Calling a Realtor about Rent-to-Own and Lease Options, Part 2 As promised, the remainder of "Script for Calling a Realtor about Rent-to-Own and Lease Options". Use this follow-up sentence on any of the statements below…

The Real Estate Investors Association of Oakland County, REIA of Oakland is a great association to join. It is a "club" that is continually educating it's membership and also allowing non members to attend it's meetings. It's a great way to learn…

A recently attended a webinar sponsored by "Tax Talk Today" an IRS public service forum targeting tax practitioners. The topic of the webinar was: ARRA 2009: What You Should Know The American Recovery and Reinvestment Act of 2009 abbreviated…