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How Your Credit Report and Credit Scoring Can Affect Your
Ability To Buy A Home
How To Save Thousands Of Dollars In Interest And Pay Your
Mortgage Off Years Sooner
How To Buy A Home With Zero Down Payment
Don't Get Stuck With A Money Pit!
Home Inspector Reveals Six Signs That Could Mean
Expensive TroubleHere's How Your Credit Score Will
Affect How Much House You'll Be
Able To Buy...There is a new "buzzword" in the mortgage industry.
Actually, it's two buzzwords: Credit Scoring.
In their never ending search to find an easier way to rate a person's financial
ability, mortgage companies are using a system called credit scoring (Also called
"FICO" scores - I won't even tell you what that means).
When lenders pull up your credit report, they can look at
all of the debts that you have, how much you owe, how well you make your
payments, and many other things like if you've had any bankruptcies within the
last several years.
With your credit report, lenders now get a "credit score" which takes all of this
information and creates a "credit score" for you. This credit score is a number
that lenders use to decide which types of loans that you will be able to get and be
As with all new things, there is controversy over these credit scores.
Some types of loans require that you have a certain credit score to get the loan -
no exceptions. And credit scores change over time. As a matter of fact, just
applying for credit can lower your credit score.Now that you know what a
credit score is, here's how
to make sure you have the
best one possible...First of all, don't apply for any new credit cards or consumer loans.
Don't go down to the furniture store and take them up on the "No interest, no
payments, no nothin' for one year" financing program -- and of all things, don't go
out and finance a car!
You can do all of these things after you buy your house and get your mortgage,
but for your own sake, don't do it before. Buying things on credit not only hurts
your credit score, but it also leaves less money for you to use as a house
Lenders look at this figure also to determine how much money they will lend you,
and how much they will charge you to lend it.
So wait until after you've bought your home and moved in to get that new couch
or big screen TV-- and there is another reason to wait.
After you buy your home, you can get a loan for up to 125% of your home's value
to buy whatever you want.
And when you get a loan against your home, all of the interest you pay is taxdeductible!Here's A Way You Can Save
Thousands Of Dollars In Interest and
Pay Your Mortgage Off Years Sooner!Most people think when you get a mortgage you're stuck with it for 30 years, but
what they don't realize is by using a couple of easy and painless ways to make
some extra principle payments you can cut years off the life of your mortgage
and save thousands of dollars in needless interest costs.Here are a couple of
easy strategies you can use:
1. Round up to the nearest hundred
This is an easy strategy to take advantage of, and the results are dramatic!
Let's say you have a mortgage of $100,000 over 30 years at 8% interest. The
monthly payments would be about $734 dollars a month. Now, let's see what
would happen if you rounded that payment to the next $100 by increasing your
payment by $66 extra each month.
Just this one simple strategy will save you over $48,000 in interest payments
over the life of your mortgage, but it will also shorten the length of your mortgage
by 7 1/2 years!
2. Use Your Income Tax Refund To Make One Time Pre-Payments
Let's say you have that same $100,000 mortgage, and you have a $1000 tax
refund this year. [very possible with your new homeowner deductions] If you take
that $1000 and apply it to your mortgage...you'll save over $8600 and shorten
your mortgage by 1 year and 1 month! Not bad for a simple one time prepayment.
3. Start Out With a 15 Year Mortgage
One of the best things you can do -- if you can afford it -- is to start out with a 15
year mortgage instead of 30. It's actually not that much more expensive, and the
interest you save is incredible.
With the same $100,000 mortgage at 8% over 15 years, your payment would be
about $200 more ($955) and you would be paying $72,017 in interest over the
life of your mortgage instead of $164,160!
That's worth considering.Here's How To Buy A Home With
Zero DownMost people think you need thousands of dollars for a down payment to buy a
home, but what they don't realize is there are hundreds of loan programs and,
many times, lenders are only interested in showing you the loan programs that
are the easiest to process, or pay them the most money.
Consequently, they only work with 3 or 4 loan programs. Loan programs that
require 5%, 10% or even 20% down payments!
The one thing you need to know is that you CAN buy lovely homes in City with
ZERO DOWN PAYMENT.
We specialize in searching out and researching the very best loan programs in
the country by continually monitoring over 200 different loan programs to find:
• The Best Zero Down Payment Loans
• The Best Low Down Payment Loans
• The Best Low Interest Loans
• The Lowest Monthly Payment Loans
• The Lowest Total Cost Loans
We make our latest research findings available to you with our FREE Home
Loan Analysis -- A detailed custom report that shows you the very best
home loans for your specific needs and preferences.
Here's How It Works
To get started, all you have to do is let us know you'd like a FREE Home Loan
We'll call you back to talk about your needs and preferences in a loan and then
we'll prepare a detailed report showing the best scenarios for you.
The information in this report will save you thousands of dollars. Don't settle for
just 3 or 4 loan programs, when you can have access to the best loan programs
in the country for FREE.Don't Get Stuck With A Money Pit!
Home Inspector Reveals 6 Signs That
Could Mean Expensive Trouble...Most people think a house that has expensive defects will be very obvious to
detect, but often the most expensive defects are hidden and take a little more
investigating. Here are six signs to look for when inspecting a house...
Roof problems usually take the form of leaks. These can be difficult to spot from
the outside. In fact, the surface of a roof may look perfectly sealed. However, if
you view the roof from the attic, you may quickly spot water marks where it is
2. Plumbing System
A home has two water systems. The first brings fresh water in; the second takes
sewage out. Both are vital to your enjoyment of the home, and if either breaks
down, repairs can be costly. That's why it's very important that you have a good
sense of the condition of the homes water systems before you buy.
3. Electrical Systems
In a modern home, having a working electrical system is absolutely essential.
You want to have enough power to operate all your appliances plus any tools you
have plus your lights, all at the same time. Also...you want to be assured that you
aren't going to get a shock -- or worse -- from your wall plugs or light fixtures.
4. Heating and Cooling Systems
Like the plumbing and electrical systems, the heater and air conditioner are vital
to any home -- and they can be expensive to fix if they break down. A thorough
home inspection will include an examination of these for problems.
5. Bad Paint and Wood Rot
The face a home presents to the world is composed of its exterior material and
the paint that goes on top of it. Inside, the walls are usually made of drywall. By
carefully examining the paint coat you can often determine not only whether the
home needs cosmetic work but also whether there's an underlying problem.
When inspecting it's important to take the time to look at both the outside and the
inside paint. Check several places on several walls. You can learn a lot with just
your eyes and a screwdriver for poking.
6. Cracks and other scary indicators
The foundation holds up a home. Quite literally, if your home has a bad
foundation, it could fall down. More likely, however, a bad foundation means
cracks will appear in walls, doors won't close properly and floors will be uneven.
This condition could get progressively worse, lasting for decades, before there is
any serious threat of the structure itself collapsing. Nevertheless, a bad
foundation is a serious problem for any property and must be assessed carefully.
It might easily be the reason that a buyer could demand and a seller could agree
to a lower price, if not direct corrective work.