the heiser team: Assembling Your Home Buying Team - Knowing The Players - 04/13/11 09:09 AM
Buying a new home is literally a TEAM sport since there are so many tasks, important timelines, documents and responsibilities that all need special care and attention.
Besides working with a professional team that you trust, it's important that the individual players have the ability to effectively communicate and execute on important decisions together as well. So who are some of thes player on your team:
 
Real Estate Agent -
A Realtor® is a licensed agent that belongs to the National Association of Realtors®, which means they are pledged to a strict Code of Ethics and Standards of Practice.
A … (2 comments)

the heiser team: FaceBook Where Did Everyone Go - 04/08/11 12:44 PM
THIS IS VERY IMPORTANT TO EVERYONE WHO USES FACEBOOK!
ARE YOU WONDERING WHERE EVERY ONE WENT???
Have you noticed that you are only seeing updates in your newsfeed from the same people lately? Have you also noticed that when you post things like status messages, photos and links, the same circle of people are commenting and you are not hearing from anyone else?The problem is that a large chunk of your contact list can't see anything you post and here's why:The "New Facebook" has a NewsFeed setting that by default is automatically set to show ONLY posts from people you've recently … (2 comments)

the heiser team: Home Buying Process - 04/07/11 08:32 AM
Home Buying Steps / Process:
Step 1 - Getting Pre-Approved Prior to Shopping for a Home
It's obviously important to know how much home you can afford, what type of down payment to budget for, monthly mortgage payment as well as what type of loan program you'll be using to finance the new property.
Certain mortgage loans have residence type, HOA, appraisal or insurance restrictions that your agent needs to be aware of prior to showing you listings.
A personalized strategy session with a trusted mortgage professional should address all of your initial loan approval questions, as well as uncover any potential … (0 comments)

the heiser team: Understanding Credit - 03/30/11 10:25 AM
Credit is one of the most important components in the mortgage approval process.
Lenders look at a borrower's credit score, number of open accounts, payment history, type of credit borrowed and a series of other factors when determining what level of risk to assess to each lending scenario.
Down payment requirements, loan programs, flexibility on income and even interest rates can be impacted by a slight bump in a credit score.
According To Wikipedia:
A credit score in the United States is a number representing the creditworthiness of a person or the likelihood that person will pay his or her debts.
… (1 comments)

the heiser team: "Safe" Home Loan defined by Regulators - 03/29/11 09:05 AM
 U.S. lenders would have to offer mortgages with at least a 20 percent down payment if they want to repackage the loan to sell to other investors without keeping some of the risk on their books, according to a proposal U.S. bank regulators endorsed on Tuesday.
 Small banks, consumer groups and some mortgage lenders have complained that a 20 percent down payment is too high and will make it difficult for many people to purchase a home, causing a further drag on the struggling U.S. housing market.
 The asset-backed securities market has struggled since the financial crisis and regulators have said … (1 comments)

the heiser team: A.A.A.D.D. KNOW THE SYMPTOMS! - 03/23/11 05:42 AM
Thank goodness there's a name for this disorder...  Somehow I feel better, even though I have it!! Recently, I was diagnosed with A.A.A.D.D.  Age Activated Attention Deficit Disorder. This is how it manifests: I decide to water my garden. As I turned on the hose in the driveway, I looked over at my car and decided it needs washing. As I started toward the garage, I noticed mail on the porch table that I brought up from the mail box earlier. I decided to go through the mail before I wash the car. I lay my car keys on the table, put the junk mail in the garbage can under the table, … (2 comments)

the heiser team: Balance Your Life - 03/21/11 03:51 PM
 You cannot change your thoughts without changing your life in the process - either for good or for bad.  Immerse yourself in the right thoughts and you will become the person you long to be, just as surely as the planting of an acorn yields an oak tree and not a pine tree.  Plant your acorn NOW!
 When you have an inspired thought - you have to trust it and act upon it!
 I see people who make a tremendous amount of money who are miserable and their relationships stink. That's not wealth.
You can go after the money. You might … (4 comments)

the heiser team: Economic News - 03/16/11 07:36 AM
 
It took a major world disaster to lower mortgage rates from their upward march. Housing Starts fell in February and was the biggest percentage drop on a month to month basis since March 1984. The Labor Department reported that inflation  came in much hotter than expected. Inflation over time is bad for interest rates.
… (0 comments)

the heiser team: A Look At This Week - 03/13/11 05:36 PM
The biggest economic event next week will be Tuesday's FOMC meeting. Investors will be looking for an update on the Fed's plans for the quantitative easing program. The most significant economic data next week will be the monthly inflation reports. The Producer Price Index (PPI) focuses on the increase in prices of "intermediate" goods used by companies to produce finished products and will come out on Wednesday. The Consumer Price Index (CPI), the most closely watched monthly inflation report, will come out on Thursday. CPI looks at the price change for those finished goods which are sold to consumers. In addition, … (2 comments)

the heiser team: ATTITUDE - 03/11/11 12:20 PM
THE LONGER I LIVE, THE MORE I REALIZE THE IMPACT OF ATTITUDE ON LIFE. ATTITUDE, TO ME, IS MORE IMPORTANT THAN FACTS. IT IS MORE IMPORTANT THAT THE PAST, THAN EDUCATION, THAN MONEY, THAN CIRCUMSTANCES, THAN FAILURES, THAN SUCCESS, THAN WHAT OTHER PEOPLE THINK OR SAY OR DO. IT IS MORE IMPORTANT THAN APPEARANCE, GIFTEDNESS OR SKILL. IT WILL MAKE OR BREAK A RELATIONSHIP... A COMPANY... A CHURCH... A HOME. IT IS ONE OF THE MOST POWERFUL FORCES KNOWN TO MAN.
THE REMARKABLE THING IS WE HAVE A CHOICE EVERY DAY REGARDING THE ATTITUDE WE WILL EMBRACE ON ANY GIVEN DAY. … (2 comments)