tag:blogger.com,1999:blog-135577482011-12-14T19:14:48.031-08:00The Internet's best site on information about home mortgages, home loans, refinancing and more.Ralph Brownlynoreply@blogger.comBlogger351100tag:blogger.com,1999:blog-13557748.post-1126327797109009082005-09-09T21:49:00.000-07:002005-09-09T21:49:57.203-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Obtaining a Home Equity Loan Online <br />by Brad Triggs <br /> <br />Private lenders, banks, and mortgage companies are all setting up shop on the internet, and all make it possible to obtain a home equity loan online. Competition between lenders is stiff, so be sure to check a few companies that offer applications about their rates, products, and customer service. <br /> <br />A mortgage site that provides a home equity loans will also give more detailed information for the typical uses of a home equity loan. Many people choose to get a home equity loan in order to consolidate existing debts- such as credit cards, loans, educational expenses, and car payments. Home equity loans are also used in order to finance home improvements that you'd like to make but don't have the cash on hand to pay for them, since the loans tend to be more economical than some of the other options for obtaining financing. <br /> <br />There are a few different versions of home equity loans that you can apply for and receive, and when you apply for a home equity loan online you'll make a decision as to whether or not you need a line of credit, a fixed loan, or what is called a 125% loan. The line of credit is a good choice if you want to have money available to borrow at any time, such as for home improvements or sending children to college. A fixed loan option is perfect for individuals who know exactly how much money is needed and only want to borrow once, while a 125% loan is useful for people who want to consolidate debts but do not have much equity in their home yet. The 125% loan allows the borrowers to borrow up to 125% of the property value and usually offers a fixed interest rate. <br /> <br />Brad Triggs provides more information and <br />free mortgage quotes at his website: <br />e-Loans-Now.com - Home Equity Loan Online <br /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112632779710900908?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com161tag:blogger.com,1999:blog-13557748.post-1125641902218517532005-09-01T23:18:00.000-07:002005-09-01T23:18:22.260-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br /> <br />The Power of Home Equity Loans <br />by Syd Johnson <br /> <br />A home equity loan is a great way to consolidate your debts, get a lower interest rate and manage your household budget. After a few years of paying down your mortgage you can use your new home equity to eliminate all your other debts. A home equity loan allows you to get a loan using the equity in your home as collateral. <br /> <br />This makes it a secured debt because you have an actual possession, the house that can be sold if a creditor needs to reclaim the money that you borrowed. <br /> <br />How does the home equity loan help you? <br />Consolidate your bills. If you are like most homeowners, you are juggling several different debt payments including student loans, credit card bills, car loans and more. If you want to consolidate all of your debts then a home equity loan is probably the best way to go. <br /> <br />You are borrowing against stored cash, the equity in your home, so you can usually get a better deal from your bank and borrow larger amounts than if you tried to get a personal loan with no collateral. In addition, you will probably get a low interest rate that is great for cutting down credit card and other high interest debt. <br /> <br />The rate will be slightly higher than you would get on a first mortgage so some caution must be followed before you decide that a home equity loan is the solution to your debt problems. <br /> <br />The interest on your home equity loan is tax deductible. This gives you an even better opportunity to get rid of your debt. Once you factor in the savings from your tax deductible interest payments you will see that the cumulative interest that you pay for borrowing is even less. <br /> <br />A home equity loan is not without risk <br />It is often said that the best way to get out of debt, is to stay out of debt. If you cannot pay off the new debt that is now secured with your real property, you can lose your home. A home equity loan is a temporary proposition and must be approached in such a manner. <br /> <br />If you are overwhelmed and overextended, only a long term financial strategy that includes budgeting, paying off existing debts and possibly increasing your income can really lead to a debt free lifestyle. <br /> <br />This article may be freely distributed as long as there's an active link to http://www.rapidlingo.com <br />Syd Johnson <br />Editor <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112564190221851753?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com1tag:blogger.com,1999:blog-13557748.post-1125034610752072792005-08-25T22:36:00.000-07:002005-08-25T22:36:51.256-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />What Type of Loan Do You Need <br />by Mike Yeager <br /> <br />There are many types of loans available to consumers. There is no shortage of people willing to lend money to qualified individuals. It is a matter of knowing what you need and what is available to you. Student loans, personal loans, auto loans- all types to offer to you. In order to get the best loan that fits your needs, You can find this information by contacting lenders, or researching online <br /> <br />If you are in the market to purchase a home, finding the right home loan is crucial to investing wisely. There are many lenders who want your business. Many of them have different rates they can offer or added incentives for purchasing your mortgage through them. Personal loans are similar in that you can shop around for the best fit for your needs. Many times with auto loans, car dealerships can offer you a better rate if you get your loan through them instead of your bank. Military loans, just as they sound, are issued for military personnel and may offer a lower rate. Whatever you are looking for, check out your possibilities completely though. <br /> <br />There are also loan traps. A good example of this is a payday loan. While a great way to get money in a hurry for an emergency, they have added fees that can make your loan very costly. These loans let you barrow money from your future paycheck. Once you get your paycheck, they then deduct they money you borrowed plus interest and fees from you checking account. Unless you need money quickly and can afford the added expenses, they should be avoided. <br /> <br />In order to find the best loan for your needs, research your options. You can find information online by using a major search engine. Just type in the type of loan you are looking for and you will find many choices. Look into as many as you can. Ask questions. Negotiate the interest rates and the fees. Several companies will offer to approve your loan online. If have questions, call the customer service number. Get all your information together and compare your notes. Finding the right loan isn't too difficult, if you take the time to research your options. <br /> <br />Mike Yeager, Publisher <br /> <br />http://www.a1-loans-4u.com/<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112503461075207279?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com1tag:blogger.com,1999:blog-13557748.post-1124344919888856062005-08-17T23:01:00.000-07:002005-08-17T23:01:59.943-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Why Choose a Home Improvement Loan <br />by John Mussi <br /> <br />If you are looking to increase the value of your property by adding an extension, or double glazing, new conservatory, patio, heating system, or new kitchen a home improvement loan could be the easiest and cheapest way to make those improvements to your home. <br /> <br />With a UK Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan. With competitive rates and a quick decision a home improvement loan could well be just what you need to enable you to finance your dream improvements. <br /> <br />With a low cost, low rate, cheap, low interest UK Home Improvement Loan, you can afford the extension, new kitchen or bathroom, conservatory, landscaped garden, redecoration you want right where you are, in your own home. You can add value to your property and save all those moving costs too. <br /> <br />A UK Home Improvement Loan is great if you want to raise a large amount; are having problems getting an unsecured loan; or have a bad credit history – you may be able to get a UK Home Improvement Loan even when you have been turned down for an unsecured loan. <br /> <br />Get the home of your dreams without moving house with a UK Home Improvement Loan. <br /> <br />You may freely reprint this information on your website provided the following caption remains intact. <br /> <br />“This information courtesy of http://www.directonlineloans.co.uk Click here to see full range of loans.” <br /> <br />John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online secured loan via the http://www.directonlineloans.co.uk website. To find a loan that best suits your needs visit http://www.directonlineloans.co.uk <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112434491988885606?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1124254213833239242005-08-16T21:50:00.000-07:002005-08-16T21:50:13.866-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Your Home - A Hidden Source Of Financing <br />by News Canada <br /> <br />(NC)-Your home is more than just a place to hang your hat. In addition to being a source of pride and protection, it can be a valuable source of equity. <br /> <br />With interest rates still near record lows, now may be a good time to consider a renovation, purchasing a new car or making some investments. The equity in your home may help you secure the necessary funds to achieve your goals <br /> <br />One way to access the equity in your home is to refinance your existing mortgage. While this increases the size of your existing mortgage, it may yield a lower interest rate and lower monthly payments than a traditional loan. One caution, however; increasing the size of your mortgage means it will take longer to pay it off. As a consequence, you will be paying more interest. <br /> <br />Another way to access the equity in your home is to open a line of credit that is secured against your home. Just as with refinancing, a line of credit may be available at an interest rate that is lower than a regular loan.. <br /> <br />A line of credit gives you payment flexibility that is not available with a conventional mortgage. Not only do you have control over the length of the loan and how you repay it, you also have the flexibility to pay off the debt at anytime without penalty and you can control the amount of payment you make each month - the minimum, as little as interest only, or as much as you can afford. The larger your monthly payment, the quicker you will pay off the line of credit and the lower your overall interest costs. <br /> <br />If minimizing the amount of interest you pay over the lifetime of the debt is important, then a secured line of credit may work for you. To qualify, you generally require 25 per cent equity built up in your home. Legal fees or registry fees may apply. <br /> <br />"If you are considering leveraging your home equity, you should meet with a qualified lending expert," says Gail Kassie, Director, Mortgages and Home Financing Products, BMO Bank of Montreal. "A lending expert will explain your options, offer a variety of solutions, and help you make the best decision to suit your needs and your budget." <br /> <br />Information provided by BMO Bank of Montreal. For more information visit www.bmo.com. <br /> <br />- News Canada <br /> <br />News Canada provides a wide selection of current, ready-to-use copyright free news stories and ideas for Television, Print, Radio, and the Web. <br /> <br />News Canada is a niche service in public relations, offering access to print, radio, television, and now the Internet media, with ready-to-use, editorial "fill" items. Monitoring and analysis are two more of our primary services. The service supplies access to the national media for marketers in the private, the public, and the not-for-profit sectors. Your corporate and product news, consumer tips and information are packaged in a variety of ready-to-use formats and are made available to every Canadian media organization including weekly and daily newspapers, cable and commercial television stations, radio stations, as well as the Web sites Canadians visit most often. Visit News Canada and learn more about the NC services. <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112425421383323924?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com3tag:blogger.com,1999:blog-13557748.post-1124168681988748372005-08-15T22:04:00.000-07:002005-08-15T22:04:42.966-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />How to finance a new extension <br />by John Mussi <br /> <br />Want to improve the look of your property? Want to add value to your property? <br />The extension plans are ready but the finances are not. <br />Rather than waiting another year why not consider a Home Improvement Loan. <br />Make the dream become reality with a UK Home Improvement Loan. <br /> <br />Are you planning an extension to your home, a new kitchen, would you like to have double glazing, a new conservatory, patio, or a new heating system, or are you undertaking the general up keep of your home but finding it hard to pay for? <br /> <br /> Article continues below... <br /> <br /> <br />A Home improvement Loan could be the easiest and cheapest way to make improvements to your home. <br /> <br />A UK Home Improvement Loan is a low cost, low rate, cheap, low interest loan secured on your UK property. As the home owner, it frees you up to do whatever improvements you want on your property. <br /> <br />With a UK Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan. Home Improvement Loan rates are variable, depending on status. Your monthly repayments will depend on the amount borrowed and term. <br /> <br />A UK Home Improvement Loan can help you with: <br />An extension or loft conversion <br />A new kitchen <br />A new bathroom <br />A conservatory <br />Landscaping your garden <br />New furniture <br /> <br />You may freely reprint this article provided the author's biography remains intact: <br /> <br />John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online loans via the http://www.directonlineloans.co.uk website.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112416868198874837?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1123984690355701892005-08-13T18:58:00.000-07:002005-08-13T18:58:10.386-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Home Loan Searching Just Got Easier <br />by PRWEB <br /> <br />HomeLoansLocal.com's new website offers national home loan search covering every city in the United States with free listings offered to mortgage brokers. <br /> <br />CHARLOTTE, NC December 2, 2003-- The home loan industry recently received a new site on the World Wide Web to serve as a comprehensive industry search portal- http://www.HomeLoansLocal.com <br /> <br />Because it focuses on home loans in all 50 states across the United States, it stands apart from more traditional sites targeting home loan seekers. "Looking over the web, I saw a need for a comprehensive resource for home mortgage seekers like me." stated James London. "Home Loans Local was developed as a complete home loan portal offering mortgage seekers the ability to find a mortgage broker in their city, while at the same time providing a wealth of information to guide users through the home loan purchasing process." <br /> <br />Home loan seekers are also provided with a unique opportunity to stay current with journal articles directly related to the mortgage industry by direct links. Featured articles form news sources across the country provide detailed and timely information necessary to stay well informed. <br /> <br />The site's hands-on features like home loan calculators, an up to the minute listing of current mortgage rates, a complete mortgage dictionary, as well as reviews of online mortgage lenders provide users with a valuable set of tools. <br /> <br />The site also presents mortgage lenders a unique opportunity to list their services in their city. Mortgage Lenders are allowed to add their listing at no cost. "This is an attempt to make our directory as complete and useful as possible for the end user." <br /> <br />"For someone looking for a home loan locally, Home Loans Local is an excellent place to search," added London.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112398469035570189?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1123917960683407992005-08-13T00:26:00.000-07:002005-08-13T00:26:00.733-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Home Equity Loans are the Latest Home Loan Craze <br />by PRWEB <br /> <br />Are home equity loans, with floating interest rates, the best home loan or mortgage option available? <br /> <br />(PRWEB) November 20, 2004 -- "Mortgage rates are rising. Now is the time to lock in!" This is the ringing tone of the mortgage industry today. After record lows of the last 40 years have passed us by, mortgage companies and brokers have found their newest fountain of youth...the Home Equity Line of Credit. But is this the right mortgage for homeowner's today, given that the Fed has increased rates this year, and doesn't seem to be indicating they will change that stance anytime soon? <br /> <br />Many mortgage companies would rather sell you the "hot product" than answer this question. America's Mortgage Solution is a company built on educating the Mortgage shopper, not just plugging you in for profit. Should you get a fixed rate mortgage, or is an adjustable rate loan a better choice for you? There are literally thousands of mortgage loans to choose from, and sometimes things that sound too good to be true really are. It takes a professional mortgage consultant to answer your home loan questions, and due to the influx of "mom and pop" mortgage firms in the last few years, professionals are hard to find. The average loan officer has been in the industry for less that 5 years, and that hardly qualifies one as an expert. <br /> <br />Online mortgages are more and more the rage, and finding the right, consumer friendly institution is a challenge. You can visit www.americasmortgagesolution.com for answers to all of your mortgage<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112391796068340799?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1123832245649840802005-08-12T00:37:00.000-07:002005-08-12T00:37:25.696-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Consolidate all your debt into one monthly payment <br />by John Mussi <br /> <br />Are you feeling overburdened with debt? Are you paying out too much every month for your credit cards, store cards and loans? Then why not replace them all with one, lower, convenient repayment through a consolidation loan? <br /> <br />Consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one - giving you one easy to manage payment, and in most cases, at a lower rate of interest. <br />Secured on your UK home, low cost, low rate, cheap, low interest debt consolidation loans can sweep away the pile of repayments to your credit and store cards, HP, loans and replace them with one, low cost, monthly payment - one calculated to be well within your means. <br /> <br />With a Debt Consolidation Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases. <br /> <br />A UK Debt Consolidation Loan is a low cost loan secured on your UK home. It frees up the spare capital (or equity) in your home to repay your store card and other debts. <br /> <br />It can reduce BOTH your interest costs AND your monthly repayments, putting you back in control of your life. <br />Debt Consolidation Loan rates are variable, depending on status <br />Your monthly repayments will depend on the amount borrowed and term. <br /> <br />John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online loans via the http://www.directonlineloans.co.uk website.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112383224564984080?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1123733413831905262005-08-10T21:10:00.000-07:002005-08-10T21:10:13.856-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Why Choose a Home Owner Loan <br />by John Mussi <br /> <br />Most people choose a home owner loan as it can release the capital that is tied up in their property for immediate use. The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation. <br /> <br />Home owner loans are available for practically any reason. One of the most common types of home owner loans on offer are debt consolidation loans where the objective is to reduce monthly outgoings to a more manageable amount. <br /> <br />A UK Home Owner Loan is great if you want to raise a large amount; are having problems getting an unsecured loan; or have a poor credit history. Many lenders look more favourably on people who are home owners as this demonstrates a commitment to repay a large amount of money over a long period. <br /> <br />A UK Home Owner Loan is a cheap, low cost, loan secured on your UK home. It frees up the equity in your home for you to use on whatever you want. <br /> <br />You may freely reprint this information on your website provided the following caption remains intact. <br /> <br />This information courtesy of http://www.directonlineloans.co.uk Click here to see full range of loans. <br /> <br />John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online secured loan via the http://www.directonlineloans.co.uk website. To find a loan that best suits your needs visit http://www.directonlineloans.co.uk <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112373341383190526?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com2tag:blogger.com,1999:blog-13557748.post-1123653628312648222005-08-09T23:00:00.000-07:002005-08-09T23:00:29.686-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Can I Sell My Private Mortgage Notes <br />by Afra AmirSanjari <br /> <br />In this country millions of homes are sold every year. In most cases buyers go to a bank or finance company to seek mortgage financing. <br /> <br />In some cases, 200,000 in the U.S., home buyers rely on the seller rather than a financial institution to provide financing because: <br /> <br />- The purchaser may not qualify for a traditional mortgage. <br />- The purchaser may be a relative looking to save on closing fees. <br />- The seller may be interested in having a long-term income stream. <br /> <br />Often the seller is pressured into providing financing for the purchaser instead of receiving a lump sum. This forces the seller to assume the role of a mortgage company, worrying about servicing and collecting a monthly income stream. A stream, which may or may not be consistent, depends on the payer's ability to meet their monthly obligations. <br /> <br />Peacock Capital provides an option to note holders nationwide who are ready to sell their homes and use the equity for their own purposes. <br /> <br />We will purchase the note for a lump sum and collect the monthly checks. No more worrying about the "Check is in the mail" Or, "Will they stop paying, forcing a foreclosure?" Or, "Has my buyer kept up with their insurance payments?" Etc. <br /> <br />Afra AmirSanjari is the Principal for Peacock Capital. <br />Peacock Capital specializes in solving the cash flow challenges of Small/Medium Businesses, Government Vendors and Individuals with innovative financial solutions by providing a network for securing operating capital. <br />http://www.peacockcapital.com <br />info@peacockcapital.com <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112365362831264822?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com2tag:blogger.com,1999:blog-13557748.post-1123557706029491652005-08-08T20:21:00.000-07:002005-08-08T20:21:46.053-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Easing Your Way Into Homeownership - Part 2 <br /> <br />How Your Real Estate Agent Can Help You Qualify For A Low Down Payment Mortgage <br />by W. Troy Swezey <br /> <br />It's important that your agent become familiar with your current financial situation. Before you meet with your agent to discuss your financial situation and housing needs, you'll want to collect some basic information to make the process easier. Be prepared to show recent paycheck stubs or pay vouchers to certify sources of income; a complete list of current credit card, auto and other consumer credit payments you make each month; and recent bank and savings statements. These documents will help you and your agent determine how much home you can afford. It's also important that you disclose any prior credit problems or late payments. Your agent may be able to suggest ways to remedy any negative remarks on your credit report that could disqualify you from a low down payment loan program. <br /> <br />In addition, because most lenders will require that you have several months of house payments in the bank as a reserve, your agent may be able to suggest ways you can increase your savings in the weeks and months leading up to your home purchase. Don't forget that some programs allow you to apply a cash gift from a family member to cover the required down payment and losing costs. <br /> <br />Your agent also may know a motivated seller who would be happy to assist you in accomplishing your home purchase by caring a second mortgage. A second mortgage is helpful because it reduces the amount of the first mortgage you need to obtain. In some cases, a second monthly payment and generally is required to protect the lender when a down payment is less than the standard 20 percent of the loan amount. Even if your seller isn't willing to take a second mortgage to complete the sale, he or she may be willing to pay your closing costs, which will reduce the amount of cash you need to have on hand up-front. <br /> <br />With interest rates edging up, innovative mortgage financing programs that require a low down payment are even more important than ever to first-time buyers. A professional real estate agent can help you sift through the countless programs that are available and help find the one that's mortgage can eliminate the need for private mortgage insurance, which is added to your right for you. <br /> <br />W. Troy Swezey is the author of -EASING YOUR WAY INTO HOMEOWNERSHIP: HOW YOUR REAL ESTATE AGENT CAN HELP YOU QUALIFY FOR A LOW DOWN PAYMENT MORTGAGE." As a Realtor at Century 21 Paul & Associates, he has helped many individuals with their real estate needs. Visit his web site to download his free e-book, "Real Estate Secrets Exposed." http://www.TroyIsMyRealtor.com or mail to: TroyC21@usa.net<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112355770602949165?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com1tag:blogger.com,1999:blog-13557748.post-1123478305075193872005-08-07T22:18:00.000-07:002005-08-07T22:18:25.103-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Easing Your Way Into Homeownership - Part 1 <br /> <br />How Your Real Estate Agent Can Help You Qualify For A Low Down Payment Mortgage <br />by W. Troy Swezey <br /> <br />For many renters, the first step in buying a home is becoming educated about the process. If you're like many people considering a home purchase, you've spent nights and weekends poring over your local real estate section. You've talked to friends and relatives about their experiences. Maybe you've even purchased a book or tow to help you become more familiar with real estate terminology and the various types of mortgages commonly used today <br /> <br />Coming up with a down payment and finding a loan that meets your needs are the greatest hurdles faced by first-time homebuyers. So, you may even have leafed through stacks of brochures and flyers from lenders offering down payments that are far less than the 20 percent you'd always thought you'd need to save before you could buy. With so many excellent first-time buyer programs to choose from these days, you practically need to be an expert to sort through them all <br /> <br />That's why if you're a first-time homebuyer seeking a low down payment loan, you'll save time by selecting a professional real estate agent who is experienced in working with people just like you in the area where you plan to buy. An agent who frequently assists first-time buyers will know from experience which lenders in your area offer a low down payment program that will most closely match your needs. <br /> <br />A professional real estate agent can help you determine whether you are likely to qualify for these special programs, since participation in some may be limited to buyers under a certain income level or for the purchase of homes below a certain purchase price. Your agent also will be able to tell you whether there are other requirements you must fulfill in order to be considered. With some programs, for example, you must attend an educational seminar before you can be considered for one of these low down payment loans. <br /> <br />W. Troy Swezey is the author of -EASING YOUR WAY INTO HOMEOWNERSHIP: HOW YOUR REAL ESTATE AGENT CAN HELP YOU QUALIFY FOR A LOW DOWN PAYMENT MORTGAGE." As a Realtor at Century 21 Paul & Associates, he has helped many individuals with their real estate needs. Visit his web site to download his free e-book, "Real Estate Secrets Exposed." http://www.TroyIsMyRealtor.com or mail to: TroyC21@usa.net<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112347830507519387?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com1tag:blogger.com,1999:blog-13557748.post-1123390464116467192005-08-06T21:54:00.000-07:002005-08-06T21:54:24.150-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Why choose a Remortgage <br />by John Mussi <br /> <br />You would choose a remortgage because it allows you to change your mortgage without moving your home. Remortgaging is the process of switching your mortgage to another lender that is offering a better deal than your current lender thereby saving money. A remortgage can also be used to raise additional finances by releasing equity in your property. <br /> <br />When you remortgage you are ending your old mortgage deal and switching to a new one. This normally involves switching your lender although you can sometimes change deals with your current provider. If you do remortgage with your current lender it normally involves changing your existing deal. <br /> <br />It is important to note that there are costs attached to remortgaging such as redemption penalties. These need to be taken into account when you are considering a remortgage. It is however worth bearing in mind that often the benefits of remortgaging can outweigh the costs involved. <br /> <br />Homeowners may wish to raise money to consolidate other debts. By taking advantage of remortgaging your property you could transfer several debts into one more easily manageable remortgage. <br /> <br />This means you can replace credit card bills, personal loans and other loans with one lower interest rate remortgage and spread lower payments over a longer period. <br /> <br />With a remortgage you can borrow from £25,000 up to £500,000. Remortgage rates are variable, depending on status. <br /> <br /> <br />You may freely reprint this information on your website provided the following caption remains intact. <br /> <br />This information courtesy of http://www.directonlineloans.co.uk Click here to see full range of loans. <br /> <br />John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online secured loan via the http://www.directonlineloans.co.uk website. To find a loan that best suits your needs visit http://www.directonlineloans.co.uk<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112339046411646719?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com6tag:blogger.com,1999:blog-13557748.post-1123293775293665682005-08-05T19:02:00.000-07:002005-08-05T19:02:55.340-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Why Its Important to Get Pre-Approved <br />by John Carle & Sharon Gregresh <br /> <br />Having a pre-approved mortgage will give you the confidence of knowing exactly what you can spend on a home before you start looking. You will also be protected against interest rate increases while you look for your new home. <br /> <br />Your Mortgage Specialist will answer your questions and help you determine which financing terms and options are right for you. Your Mortgage Specialist and Real Estate Professional work as a team to help you find the right home and select the best financing. <br /> <br />Finalizing Your Mortgage <br /> <br />Once you've found the home you want to purchase, there are some documents you'll probably be asked for in order to finalize your financing. They will include: <br /> <br />1. A copy of the real estate listing of the property. If the home is still to be built, the mortgage lender will need to see the architect's or builder's plans and details on lot size and location. <br /> <br />2. A copy of the offer to purchase or the building contract, if this document has been prepared. <br /> <br />3. Documents to confirm employment, income and source of pre-approval. <br /> <br />If you have a pre-approved mortgage, it's a simple matter of finalizing a few details which your Mortgage Specialist will explain to you. <br /> <br />John Carle & Sharon Gregresh are Realtors with Royal LePage - ArTeam in St. Albert, AB. They pride themselves on providing more than just real estate sales and listings. Their clients benefit from a much larger spectrum or real estate services. Contact them any time at information@workingtogether.ca or through their website at www.workingtogether.ca. They can be reached by phone at (780) 458-5595 <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112329377529366568?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1123219956439587102005-08-04T22:32:00.000-07:002005-08-04T22:32:36.460-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />You don’t need 10% or 20% down to get a home loan <br />by Syd Johnson <br /> <br />The rapid increase in home prices over the past couple of years have left many potential home buyers struggling to come up with their 10% or 20% down payment. If you live in a hot market like Los Angeles, Manhattan or Miami, you might be able to afford the monthly payments on a home loan but have a hard time coming up with the one time cash for a down payment. <br /> <br />If you can’t come up with a 10% down payment, home mortgage lenders are becoming savvy to your plight and have created many different solutions to help you get financing for your new home. <br /> <br />5% down is an option <br />One of the top ways to get home mortgage financing is with a 5% down payment. This gives most customers a huge break on the amount of cash that they need to purchase a home. In the past, 5% down home loans were only available through government funded loans like the Veterans Administration Loans. <br /> <br />Zero down and low down payments options <br />Now, many lenders including banks, credit unions and mortgage companies will work with their customers to offer low down payment deals. In addition, you can also do a zero down mortgage. In this case, the entire loan amount will be financed so your monthly payments will be higher than it would have been with a down payment. Also, your home mortgage lender might charge you a slightly higher interest for taking on the risk of approving a client without a down payment. <br /> <br />One of these methods will sure work for your so don’t hesitate to get preapproved for your home loan today. <br /> <br />This article may be freely distributed as long as there's an active link to http://www.rapidlingo.com <br />Syd Johnson <br />Editor<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112321995643958710?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1123126536050658052005-08-03T20:35:00.000-07:002005-08-03T20:35:36.090-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Benefits of a Commercial Business Loan <br />by John Mussi <br /> <br />There are many benefits in choosing a commercial business loan, some of which are <br />listed below. <br /> <br />A commercial business loan is designed for a wide range of UK small, medium and startup business needs including the purchase, refinance, expansion of a business, development loans or any type of commercial investment. <br /> <br />Finance is the lifeblood of a business. Without it you cannot grow. <br /> <br />Commercial business loans are generally available from £50,000 to £50,000,000 at highly competitive interest rates from leading commercial loan lenders. <br /> <br />A commercial business loan can be secured by all types of UK business property, commercial and residential properties. <br /> <br />Commercial Business Loans can offer up to 79% LTV (Loan to Valuation) with variable rates, depending on status and length of term. <br /> <br />Commercial business loans are normally offered on Freehold and long Leasehold properties with Bricks and Mortar valuations required. Legal and valuation fees are payable by the client. <br /> <br />Commercial business loans are available for Self-Declaration with CCJ's & Mortgage Arrears. <br /> <br />Commercial Business Loans cover most types of UK property, including: <br />Development property, new & redevelopment <br />Country properties <br />Retail / offices / factories / warehouses <br />Investment & owner occupied <br />Leisure buildings (Hotels / Pubs) <br />Professional practice premises <br /> <br />You may freely reprint this article provided the author's biography remains intact: <br /> <br />John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online loans via the http://www.directonlineloans.co.uk website.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112312653605065805?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1123049421351371542005-08-02T23:10:00.000-07:002005-08-02T23:10:21.373-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Benefits of a Bridging Loan <br />by John Mussi <br /> <br />A bridging loan has many benefits, some of which are listed below. <br /> <br />A bridging loan as the name implies is a loan used to bridge the financial gap between monies required for your new property completion prior to your existing property having been sold. <br /> <br />Bridging loans are short term loans arranged when you need to purchase a house but are unable to arrange the mortgage for some reason, such as there is a delay in selling your existing property. <br /> <br />A bridging loan can be used to cover the financial gap when buying one property before the existing one is sold. They are looked on as short term lending to cover a specific short term need. <br /> <br />A bridging loan can also be used to raise capital pending the sale of a property. <br /> <br />Bridging loans can be arranged for any sum between £25000 to a few million pounds and can be borrowed for periods from a week to up to six months <br /> <br />Because of the nature of bridging loans they can usually be arranged at short notice and within a few days. <br /> <br />A bridging loan is similar to a mortgage where the amount borrowed is secured on your home but the advantage of a mortgage is that it attracts a much lower interest rate. While bridging loans are convenient the interest rates can be very high. <br /> <br />When considering a bridging loan please remember that you may be paying not only for the bridging loan but also for the mortgage on your existing property. <br /> <br />Bridging loans are widely available and can usually be arranged by your existing mortgage provider. <br /> <br />Although bridging loans are convenient, you need to consider the pitfalls too, like the high interest rates. <br /> <br />You may freely reprint this information on your website provided the following caption remains intact. <br /> <br />This information courtesy of http://www.directonlineloans.co.uk Click here to see full range of loans. <br /> <br />John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online secured loan via the http://www.directonlineloans.co.uk website. To find a loan that best suits your needs visit http://www.directonlineloans.co.uk<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112304942135137154?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1122949127929098872005-08-01T19:18:00.000-07:002005-08-01T19:18:47.946-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Benefits Of Consolidating All Your Debt Into One Monthly Payment <br />by John Mussi <br /> <br />Consolidating all your debt into one monthly payment can have many benefits, some of which are listed below. <br />Do you feel, like many others, that you are you are overburdened with debt or are paying out too much every month for your credit cards, store cards and loans? Then why not replace them all with one, lower, convenient repayment through a UK consolidation loan? <br /> <br />Consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one - giving you one easy to manage payment, and in most cases, at a lower rate of interest. <br /> <br />Secured on your UK home, low cost, low rate, cheap, low interest UK debt consolidation loans can sweep away the pile of repayments to your credit and store cards, HP, loans and replace them with one, low cost, monthly payment - one calculated to be well within your means. <br /> <br />With a UK Debt Consolidation Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases. <br /> <br />A UK Consolidation Loan is a low cost loan secured on your UK home. It frees up the spare capital (or equity) in your home to repay your store card and other debts. <br /> <br />Consolidation loans can reduce BOTH your interest costs AND your monthly repayments, putting you back in control of your life. <br /> <br />Debt Consolidation Loan rates are variable, depending on status. Your monthly repayments will depend on the amount borrowed and term. <br /> <br />You may freely reprint this article provided the author's biography remains intact: <br /> <br />John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online loans via the http://www.directonlineloans.co.uk website. <br /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112294912792909887?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1122859899693230842005-07-31T18:31:00.000-07:002005-07-31T18:31:39.696-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Become A Mortgage Auditing Specialist <br />by Thad Collins <br /> <br />According to U.S. Government Auditors more that 45% of all home mortgages and 75% of home equity loans contain miscalculations or errors in favor of the lender. These errors are costing homeowners to be overcharged billions of dollars per year, and with the number of home mortgages being refinanced because of low interest rates, the figures can only increase. <br /> <br />This problem presents a unique opportunity for entrepreneurs that would like to enter into the Mortgage Auditing Industry. As a mortgage auditor you will help homeowners recover refunds from errors that are due to them, these refunds average $1500 per homeowner. <br /> <br />Consumer Mortgage Reduction Service is looking for people willing to become mortgage auditors. No special skills are required to become an auditor and all processing and calculations are done by CMRS, and auditing specialist can earn up to $300 per client. So if you have the ability to market a program that will allow you to earn a substantial income, then mortgage auditing is for you. <br /> <br />To find out how you can start a successful career as a Mortgage Auditor, and start earning an income you can be proud of. Visit Consumer Mortgage Reduction Service‘s website to find out more at http://www.consumermortgagereduction.com <br /> <br />Consumer Mortgage Reduction Service provides entrepreneurs with the opportunity to start successful equity acceleration and auditing businesses. for more info visit: http://www.consumermortgagereduction.com <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-112285989969323084?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com1tag:blogger.com,1999:blog-13557748.post-1119421384347501762005-06-21T23:23:00.000-07:002005-06-21T23:23:04.396-07:00<a href="http://www.A1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />So which is better fixed rate or adjustable rate mortgage <br />by Syd Johnson <br /> <br />This is a question that keeps coming up when customers start looking at purchasing or refinancing their home. If you look at the average 30 or 15 year mortgage, it seems that the better mortgage depends on the type of customer. <br /> <br />The best mortgage is one that fits in your long term budget, won’t use up too much of your monthly income, and gives you a sense of control over your home so you don’t end up house rich and cash poor. Let’s look at the basics. <br /> <br />Fixed rate gives you stable interest rate and predictable payments <br />A fixed rate mortgage gives you sense of control because you know what your interest rate will be for the next 30 years. The only concern is that the market rate might go down at some point in the future and you will end up paying more than the current interest rate. You can change this by refinancing the loan to lower your payments and get a lower interest rate. <br /> <br />Adjustable gives you ability to change up or down with the market index <br />An adjustable rate mortgage allows you to play with the market rate knowing that sometimes you will be more than the market interest rate, and other times you will be paying slightly less. Overall, if the economy stays healthy you should feel like you made the best decision and did not overpay for your home. <br /> <br />So which one really is better? Depends on interest rate and personality <br />If you’re going to stay in your home for 30 years or more then the fixed rate loan will usually give you a better deal. As your income increases, you won’t have to worry about fluctuating payments so you can put any extra cash towards savings accounts and retirement funds. Otherwise, it depends on how you feel about your monthly payments. <br /> <br />If you think that you can get a better deal by playing against the market rate in the hope that you’ll end up with much lower payments at some point, then you should get an adjustable rate loan. <br /> <br />Talk to a financial advisor or a loan officer about your concerns before decide to get the most up to date options on both types of loans. <br /> <br />This article may be freely distributed as long as there's an active link to http://www.rapidlingo.com <br />Syd Johnson <br />Editor <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111942138434750176?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com3tag:blogger.com,1999:blog-13557748.post-1119330237731701652005-06-20T22:03:00.000-07:002005-06-20T22:03:57.763-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Refinancing…Is It Right For You <br />by Neil Goldberg <br /> <br />With interest rates hovering at all-time lows, it has created a stampede of people who have resorted to refinancing their homes. This has become a very attractive alternative to many who are financially overextended. People are using their homes as cash cows, withdrawing the equity they have built up over the years to pay off their credit card debt. In fact, for some, this may be the choice of preference. <br /> <br />However, there are several pitfalls that many overlook in their rush to use this option. First, you are losing all the equity you have worked so long and hard to build up in your home. Second, you have now freed up all those credit cards which you just paid off, which if abused again will get you right back into the same hot water as before, this time with no equity in your home to save the day. If you do refinance to pay off your credit card debt, you must cancel most of your credit cards to remove this temptation. <br /> <br />Lastly, if you suffer another financial set back, you may now run the risk of losing the family home through foreclosure; all this because you made the tragic mistake of turning unsecured debts, your credit card’s, into a secured debt, your home. You should definitely talk with your financial advisor before you refinance to make sure it is the best option for your particular situation. Remember, what might have been right for your neighbor is not necessarily the right choice for you. <br /> <br />The Credit Counseling Foundation, Inc <br />provides web-based education and personalized consumer credit counseling to clients <br />and the general public in an effort to help consumers use credit wisely. Visit <br />us at http://www.GoDebtFree.com <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111933023773170165?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1119231855153593652005-06-19T18:44:00.000-07:002005-06-19T18:44:15.966-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Why choose a Secured Loan <br />by John Mussi <br /> <br />One of the reasons why most people choose a secured loan is that they are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured loan; or, have a poor credit history. Lenders can be more flexible when it comes to secured loans, making a secured loan possible when you may have been turned down for an unsecured loan. Secured loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. <br />Because a secured loan is secured on property, most lenders will approve your loan even if you have a history of adverse credit such as county court judgements (C.C.J’s), defaults and arrears.This make secured loans very attractive to people who would otherwise not qualify for a loan from their local bank. <br />You do not have to own your own home outright to be able to take out a secured loan; if you have a mortgage you can put the proportion of the home that you own up as security. <br /> <br />You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years. You simply select a monthly payment that fits in your current circumstances. Generally, secured loans tend to be cheaper than unsecured loans and other forms of borrowing. <br /> <br />The interest rate for a secured loan depends upon various factors such as the amount of money you borrow, the length of time and personal details. You can also insure your payments for peace of mind, so you do not have to worry if you lose your job or are unable to work because of accident or sickness. <br />The main benefits of secured loans include, lower monthly repayments than unsecured loans, being able to borrow more money and spreading repayments over a longer period of time. <br />You may freely reprint this information on your website provided the following caption remains intact. <br /> <br />“This information courtesy of http://www.directonlineloans.co.uk Click here to see full range of loans.” <br /> <br />John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online secured loan via the http://www.directonlineloans.co.uk website. To find a loan that best suits your needs visit http://www.directonlineloans.co.uk <br /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111923185515359365?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com3tag:blogger.com,1999:blog-13557748.post-1119161636518876532005-06-18T23:13:00.000-07:002005-06-18T23:13:56.550-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Foreclosure Scams to be Aware of <br />by Mark Lambie <br /> <br />Homeowners facing foreclosure should be aware of unscrupulous lenders and scammers. Don’t get me wrong, most lenders and agencies are reputable and legit. However some lenders, commonly second mortgage issuers will use unethical practices that increase the risk of nonpayment by the borrower. These tactics may include lending a large amount in hopes that the borrower will not be able to keep up with the payments, charging outrageous interest, points or fees. They may also repeatedly refinance the loan without any real beneficial reason to the borrower. Homeowners facing foreclosure are often targets of these scammers because they are seeking any solution possible at the time. <br />One of the most common tricks is an “equity skim”. What is equity skimming? This is when a buyer approaches you and offers to get you out of foreclosure buy paying off the mortgage or offering money when the property is sold. They will often suggest you move out quickly and sign the deed over to them. They will then collect rent from the property and fail to make payments on the mortgage. The lender will continue the foreclosure process and foreclose. Signing over the deed does not mean you are no longer obligated to make mortgage payments. <br /> <br />Another trick scammer’s use is to set up a “counseling” agency. They may contact you offering to do certain services for a given fee. Often times these are thing you can do yourself for free. It is important to note that most services are legitimate and will provide lots of great help. <br /> <br /> <br /> <br /> <br /> <br />Foreclosure Scams to be Aware of <br />by Mark Lambie <br /> <br />Homeowners facing foreclosure should be aware of unscrupulous lenders and scammers. Don’t get me wrong, most lenders and agencies are reputable and legit. However some lenders, commonly second mortgage issuers will use unethical practices that increase the risk of nonpayment by the borrower. These tactics may include lending a large amount in hopes that the borrower will not be able to keep up with the payments, charging outrageous interest, points or fees. They may also repeatedly refinance the loan without any real beneficial reason to the borrower. Homeowners facing foreclosure are often targets of these scammers because they are seeking any solution possible at the time. <br />One of the most common tricks is an “equity skim”. What is equity skimming? This is when a buyer approaches you and offers to get you out of foreclosure buy paying off the mortgage or offering money when the property is sold. They will often suggest you move out quickly and sign the deed over to them. They will then collect rent from the property and fail to make payments on the mortgage. The lender will continue the foreclosure process and foreclose. Signing over the deed does not mean you are no longer obligated to make mortgage payments. <br /> <br />Another trick scammer’s use is to set up a “counseling” agency. They may contact you offering to do certain services for a given fee. Often times these are thing you can do yourself for free. It is important to note that most services are legitimate and will provide lots of great help. <br /> <br /> Article continues below... <br /> <br /> <br />So what do you do if you suspect you are being duped? The most important things is don’t sign any documents unless you fully understand what you are signing. If the party you are dealing with makes any sort of promises make sure they are in writing. If you arrange a contract of sale loan assumption make sure you know weather or not you are released from liability of the debt. Consult with your attorney before agreeing to any deal that involved your home. Should you decide to sell your home to stop foreclosure, have a look at any possible complaints pertaing to the prospective buyer. <br /> <br />Mark Lambie is the owner of Stop Home Foreclosure a website for helping people facing foreclosure <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111916163651887653?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1119053055832550712005-06-17T17:04:00.000-07:002005-06-17T17:04:15.863-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Bad debt can really harm your credit history <br />by Jakob Jelling <br /> <br />While most people use the phrase "bad debt" to refer to a lot of debt, or just owing a lot of money, this phrase actually has a very specific use when it comes to financial issues. Bad debt in this case is a debt that cannot be collected. This usually happens when the person who owes the money goes bankrupt, and does not have the ability to pay toward the debt. <br /> <br />If you are a creditor and the person who owes you money declares bankruptcy, this bad debt can be a problem. After all, even though a good deal of the remaining estate will be separated out to the many different creditors, you will probably not get all of the money that you are owed. For this reason, most creditors try to work with the debtor in order to make it possible to pay back the debt - that way, they'll get all of the money back, instead of just a little. <br /> <br />If you owe money and you do not believe that you can pay it, it might sound like a good idea to have that debt declared as a bad debt. However, this is not the case, as declaring bankruptcy can have lasting effects on your financial situation, whereas being in debt and working to pay off your debts can actually be beneficial in the long run. <br /> <br />When you have a bad debt, it makes a big hit on your credit history. This can be a big problem, especially if you need to get a credit card or a loan. In fact, the credit history can effect pretty much anything you do in the financial world, including mortgages, buying a car, and being able to take out a much needed loan. Therefore, you should do whatever you can to make sure that you'll be able to pay off the debts you have. <br /> <br />To prevent bad debt, you should first minimize the number of debts you incur to begin with. For instance, if you can possibly avoid buying something, then you should wait until after you've saved the money for it, instead of buying on credit. If you already have a lot of debt, then you should look at some of the debt solutions, for instance, debt consolidation. <br /> <br />Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate. <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111905305583255071?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com4tag:blogger.com,1999:blog-13557748.post-1118989038372390352005-06-16T23:17:00.000-07:002005-06-16T23:17:18.406-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Bank vs Broker- How to Choose a New Jersey Mortgage Company <br />by John DiDomenico- New Jersey Mortgage Pro <br /> <br />Choosing a New Jersey Mortgage Company can be quite confusing and stressful. Understanding the difference between your local bank versus a mortgage broker could mean the savings of thousands of dollars. Your local bank has certain guidelines and criteria it must follow. These restrictions often limit the loan products which are available to you. It’s essential to ask your bank which type of credit borrowers they specialize in, also known as Prime and Sub-Prime Borrows. Knowing this can give you a better understanding of the lending institution your dealing with. Mortgage Brokers on the other hand are often smaller companies that have an abundance of resources when it comes to getting you the money you need. New Jersey mortgage brokers are not often restricted to one lender’s guidelines. Therefore, weather it be foreclosure bailout, bad credit refinance, no money down purchase etc, a mortgage broker has a better chance of getting you the loan. Like a bank, a mortgage broker will charge an origination fee to obtain you a loan. However, since a mortgage broker has a larger network of mortgage lenders they can often find you the best deal. The more product knowledge you have when shopping for a mortgage, the more power you have to get the best deal. <br /> <br /> <br /> <br /> <br /> <br />Bank vs Broker- How to Choose a New Jersey Mortgage Company <br />by John DiDomenico- New Jersey Mortgage Pro <br /> <br />Choosing a New Jersey Mortgage Company can be quite confusing and stressful. Understanding the difference between your local bank versus a mortgage broker could mean the savings of thousands of dollars. Your local bank has certain guidelines and criteria it must follow. These restrictions often limit the loan products which are available to you. It’s essential to ask your bank which type of credit borrowers they specialize in, also known as Prime and Sub-Prime Borrows. Knowing this can give you a better understanding of the lending institution your dealing with. Mortgage Brokers on the other hand are often smaller companies that have an abundance of resources when it comes to getting you the money you need. New Jersey mortgage brokers are not often restricted to one lender’s guidelines. Therefore, weather it be foreclosure bailout, bad credit refinance, no money down purchase etc, a mortgage broker has a better chance of getting you the loan. Like a bank, a mortgage broker will charge an origination fee to obtain you a loan. However, since a mortgage broker has a larger network of mortgage lenders they can often find you the best deal. The more product knowledge you have when shopping for a mortgage, the more power you have to get the best deal. <br /> <br />John DiDomenico is the founder of BestNewJerseyMortgages.com who helps educate homebuyers and homeowners on their purchase and refinance needs via the http://www.bestnewjerseymortgages.com website. To find a home mortgage loan that best suits your needs visit http://www.bestnewjerseymortgages.com.. <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111898903837239035?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com5tag:blogger.com,1999:blog-13557748.post-1118879947686612672005-06-15T16:59:00.000-07:002005-06-15T16:59:07.726-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Are Homeowners Due A Refund <br />by Thad Collins <br /> <br />According to U.S. Government Auditors more that 45% of all home mortgages and 75% of home equity loans contain miscalculations or errors in favor of the lender. These errors are costing homeowners to be overcharged billions of dollars per year, and with the number of home mortgages being refinanced because of low interest rates, the figures can only increase. <br /> <br />This problem presents a unique opportunity for entrepreneurs that would like to enter into the Mortgage Auditing Industry. As a mortgage auditor you will help homeowners recover refunds from errors that are due to them, these refunds average $1500 per homeowner. <br /> <br />CMRS is looking for people willing to become mortgage auditors. No special skills are required to become an auditor and all processing and calculations are done by CMRS auditing specialist. So if you have the ability to market a program that will allow you to earn a substantial income, then mortgage auditing is for you. <br /> <br />To find out how you can start a successful career as a Mortgage Auditor, and start earning an income you can be proud of. Visit Consumer Mortgage Reduction Services website to find out more at http://www.consumermortgagereduction.com <br /> <br />CMRS is the fastest growing provider of BEAP programs, offering entrepreneur's the chance to earn a substantial income. visit: consumermortgagereduction.com <br /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111887994768661267?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com2tag:blogger.com,1999:blog-13557748.post-1118802594318700002005-06-14T19:29:00.000-07:002005-06-14T19:29:54.360-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br /> <br />Anyone can get free mortgage quotes online <br />by Syd Johnson <br /> <br />If you are looking a purchase a home in the near future you can get free mortgage quotes online and offline. If you have an existing relationship with a bank or credit union, you can contact their customer service department or walk into a branch office and speak with a loan officer. <br /> <br />Once you provide some preliminary information, you will get a mortgage quote. This quote is not binding, but it is a great start when you’re shopping for a home loan. <br /> <br />Your credit history and income is key to getting accurate quote <br />To give you the most accurate mortgage quote, you must provide your credit history, current income, work history for the past two years and a list of your current assets if you want them to be considered in the analysis of your financial eligibility. You can also play around with the numbers to see how changing your down payment could impact the amount of the loan that you can get. <br /> <br />Try at least two lenders to get a fair picture of your status <br />Get a mortgage quote from at least two potential lenders. This will help you to get a more accurate picture of the maximum amount that you can receive from a lender. Once you have that settled, you can start to narrow down the types of homes and neighborhoods that you can afford. <br /> <br />You can search for lenders online <br />To get started, go to any major search engine and type in “mortgage quote” and you will get some very good results. Sort through the listings and find a site where you enter some basic information and get quotes from multiple lenders. <br /> <br />If you’re not sure that you want to start looking on your own, you can consult a financial planner, mortgage broker, real estate agent or any other type of Real Estate and Finance professional and they can point you in the right direction. <br /> <br />This article may be freely distributed as long as there's an active link to http://www.rapidlingo.com <br />Syd Johnson <br />Editor <br /> <br /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111880259431870000?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1118707152062995132005-06-13T16:59:00.000-07:002005-06-13T16:59:12.080-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Adjustable Rate Mortgages Offer Alternatives For Home Buyers <br />by W. Troy Swezey <br /> <br />When looking for a mortgage to meet your needs, consider these key questions: Is your income expected to increase in the coming years? How long do you plan to live in your new home? And, which mortgage will provide the lowest interest rate <br /> <br />While 15 or 30 year fixed-rate mortgages are the most popular, and Adjustable Rate Mortgage (ARM) offers some interesting alternatives for home shoppers who plan to move again within four or five years. Although interest rates are the lowest they’ve been in 20 years, an ARM provides even lower interest rates during its introductory period. <br /> <br />An Adjustable Rate Mortgage is a home loan with an interest rate that fluctuations with market interest rates. Instead of paying the same rate of interest over the life of the loan, as you would with a fixed-rate mortgage, you usually pay a lower interest rate the first four or five years. Your interest rate then changes in accordance with certain rate indexes. <br /> <br />However, ARMS come with maximum caps on how much the interest rate can increase in a single period (usually a year) and how high the rate can go during the entire life of the loan. Usually, the overall maximum cap is six percentage points, and the annual cap is two points <br /> <br />W. Troy Swezey is the author of “ADJUSTABLE RATE MORTGAGES OFFER ALTERNATIVES FOR HOME BUYERS." As a Realtor at Century 21 Paul & Associates, he has helped many individuals with their real estate needs. Visit his web site to download his free e-book, “REAL ESTATE SECRETS EXPOSED.” http://www.TroyIsMyRealtor.com or mail to: TroyC21@usa.net<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111870715206299513?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com5tag:blogger.com,1999:blog-13557748.post-1118698235603957852005-06-13T14:30:00.000-07:002005-06-13T14:30:35.603-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />Add value to your home with a home improvement loan <br />by Paul Heath <br /> <br />Buying a home is a big and important investment for most people, and understandably property owners want to keep their home in good condition and looking great. However, carrying out home improvements can be difficult if finances are tight and this is where a home improvement loan could really help. You can get some really good deals and rates on loans for home improvements these days, which means that more homeowners can now afford to improve their properties in many ways. <br /> <br />Carrying out improvements on your home will not only improve your quality of life, but will also add value to the property. This means that if you decide to sell the house you will make some – or maybe even all – of the money back because of the increase in the value of the home. So, you will get to enjoy the benefits of the improvements for as long as you are living there, but you can also look upon these improvements as an investment, which can be recouped upon the sale of the property. <br /> <br />You can carry out all sorts of home improvements with this type of loan. You might want to fit central heating or double glazing, you may want a driveway or a new kitchen, or perhaps you are looking to have an extension or a conservatory added. Whatever type of home improvements you are looking into, this type of loan can help your ideas come to fruition, enabling you to enjoy your home to the full and increase the value of your home. <br /> <br />You may reprint this article on your website providing all of the links remain intact. <br /> <br />This article is courtesy of http://www.4a-loan.co.uk <br /> <br /> <br />Paul Heath is the author and owner of http://www.4a-loan.co.uk <br />For loans & finance please visit us http://www.4a-loan.co.uk <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111869823560395785?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com2tag:blogger.com,1999:blog-13557748.post-1118535518320450832005-06-11T17:18:00.000-07:002005-06-11T17:18:38.336-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />A Blanket Mortgage covers multiple properties on the same loan <br />by Syd Johnson <br /> <br />Blanket mortgages are mostly used by commercial developers for one of two purposes: first, they might have a plot of land that they plan to develop into multiple lots and sell them off. <br /> <br />Instead of getting a mortgage on each individual lot, they get a blanket mortgage for the entire development. The second is if someone, not necessarily a commercial developer, has multiple plots already developed and wants to use all of the properties as collateral for a new loan. <br /> <br />One the lots are developed, the owner will get a release to clear the title on each individual lot that is sold. A good application of this would be a commercial development or a subdivision. The blanket mortgage covers the entire thing during construction, and then a release is obtained for each parcel as it is sold off. A release clause must be built into the blanket mortgage that allows the developer to sell off each unit of the property as long as certain percentage of the entire debt is paid off. <br /> <br />The blanket mortgage is a way to do all of your financing with one mortgage application. It covers both current properties that can be used as collateral and potential properties that will arise once a plot of land is developed. <br /> <br />Individual homeowners can use blanket mortgages to cover construction of a new home while they are trying to sell their existing property. Once the old property is sold off, the blanket loan is reduced by the dollar amount of equity in the previous home. Some lenders will allow you to pay interest only on the amount that is budgeted for construction of the new property. <br /> <br />This article may be freely distributed as long as there's an active link to http://www.rapidlingo.com <br />Syd Johnson <br />Editor <div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111853551832045083?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com2tag:blogger.com,1999:blog-13557748.post-1118529390203560822005-06-11T15:36:00.000-07:002005-06-11T15:36:30.210-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />5 Things In Selecting The Best Mortgage You Should Know <br />by Paul Kellum <br /> <br />Your goal is not only to find the best rates and programs, by searching through a huge number of lenders products, and save yourself thousands of dollars on mortgage payments every year, but also, to save time and hassle by simplifying the loan process and reducing the paperwork. Here are some things you can keep in mind when selecting a mortgage provider. <br /> <br />1. Shop For Rates <br /> <br />You should get instant online free quotes, and be able to apply securely online. <br /> <br />2. Apply Online <br /> <br />Be able to use a secure online application and let a qualified loan specialist help you find the best loan program. <br /> <br />3. Get Prequalified <br /> <br />Find out how much money you can borrow for your next home purchase! <br /> <br />4. Get Pre-Approved <br /> <br />Get free, no obligation pre-approved commitment letter that you qualify. <br /> <br />5. Loan Processing And Approval <br /> <br />This is when your loan is processed, goes through underwriting <br />and final approval. <br /> <br />Taking these steps will be in you best interest to secure a mortgage that will benefit you and your family. It will also help to save you money. <br /> <br />Paul Kellum represents a full service mortgage broker / banker with a track record of over 10 years. We service loans relating to residential properties, including purchases, refinance, home equity loans, and home equity line of credit (HELOC), and debt consolidation. You can search and securely apply for the program that best fits your client's financial needs: http://www.loans-mortgage-refi.com/index.html <br /> <br />http://www.loans-mortgage-refi.com/index.html <br /> <br />This is a "Shareware" Article <br />(what's that? read on...) <br /> <br />This article is shareware. Give this article away for free on your site, or include it as part of any paid package as long as the entire article is left intact including this notice. Copyright © 2004 Paul Kellum. <br /> <br />Paul Kellum represents a full service mortgage broker / banker with a track record of over 10 years. We service loans relating to residential properties, including purchases, refinance, home equity loans, and home equity line of credit (HELOC), and debt consolidation: http://www.loans-mortgage-refi.com/index.html<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111852939020356082?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com2tag:blogger.com,1999:blog-13557748.post-1118456121421467772005-06-10T19:15:00.000-07:002005-06-10T19:15:21.430-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />A Better Way To Watch Your Credit Reporting - Part 3 <br />by George M Noceti <br /> <br />At GotoCreditReport.com , we will leave no stone unturned to rectify those errors in your credit report. We follow a simple yet effective strategy. We will challenge the accuracy and completeness of your existing credit report before the credit bureau. Sometimes it may so happen that the bad credit information becomes too old to be mentioned in the credit report. At that time, we can help you restructure your credit report in your favor. We simply send the ball to the credit bureau's court. Now, it's up to the credit bureau to take action. If credit bureau fails to verify the items within 30 business days, you have won. The Fair Credit Reporting Act enables you to remove those items from your credit report. <br /> <br />Like credit report, the importance of a good credit score can't also be undermined. The credit score will give an indication of your future credit risk. But to make your credit report eligible to be counted for credit score, your credit report should have at least one account that is six-month-old. That signifies that your credit report is in great shape and up-to-date. <br /> <br />There are multiple benefits of having great credit scores. An outstanding credit score is the stepping-stone to become eligible for getting loans. Actually, before lending money to any loan seeker, the lender would like to take a quick and objective measurement of the credit risk of the person concerned. And thanks to the credit score system, credit granting process has become faster. <br /> <br />As credit scores have enabled lenders take credit decisions swiftly. So, if your credit report has some rough edges, patch up them with our credit service. Redefine your creditworthiness with http://www.gotocreditreport.com. <br /> <br /> <br />George M Noceti, Managing Partner for http://www.gotocreditreport.com. George has designed a web site to help consumers fix their credit reports in an easy fashion. He can be reached at mailto:george@gotospp.com.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111845612142146777?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1118447167578893652005-06-10T16:46:00.000-07:002005-06-10T16:46:07.583-07:00<a href="http://www.a1homemortgageinfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />A Better Way To Watch Your Credit Reporting - Part 2 <br />by George M Noceti <br /> <br />The fate of your loan application by and large depends on the credit report. So, if your credit report contains some blots or bad credit information, then obtaining loan will become far more difficult. As a matter of fact credit inquiries, credit rejections, late payments, past due and unpaid payments, court judgments, collections, loan defaults, repossession, foreclosure and bankruptcy are the ten worst things that people always try to avoid in credit report. That negative information, once inside in your credit report, will stay on your credit file for anywhere from 3 to 7 years and will make your life miserable. But, to rectify your credit reports, don't opt for any credit repair agency. They may do more harm than good. Actually promising you a new credit identity, they will force you to shell out hefty consultation fees. And ultimate they won't be able to provide you that elusive fresh credit identity. So, stay away from those temptations and think wisely. In no way can they get a new credit identity for you. You just can't remove all those errors almost instantly. It's a systematic and time-consuming affair. And you should consult with the experts who have enormous experience in handling credit reports of varied specification. In other words, simply opt for http://www.gotocreditreport.com. Let us take care of your credit report. <br /> <br />George M Noceti, Managing Partner for http://www.gotocreditreport.com. George has designed a web site to help consumers fix their credit reports in an easy fashion. He can be reached at mailto:george@gotospp.com.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111844716757889365?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0tag:blogger.com,1999:blog-13557748.post-1118377655028422732005-06-09T21:27:00.000-07:002005-06-09T21:27:35.030-07:00<a href="http://www.A1HomeMortgageInfo.com/">www.A1HomeMortgageInfo.com</a> <br /> <br />A Better Way To Watch Your Credit Reporting - Part 1 <br />by George M Noceti <br /> <br />Are you a victim of any credit card fraud or identity theft? Then you definitely need an enhanced defense from those menaces. You can get superior security from http://www.gotocreditreport.com. Actually, those financial offenses take place due to the lack of knowledge of your personal credit status. But, with GotoCreditReport.com , you will get an in-depth analysis of your personal credit with speed and accuracy. Thanks to our comprehensive credit service, we will relieve you from credit worries. <br /> <br />A credit report comprises different information. All the information mentioned in your credit report is very important. For example, there will be some identifying information like your name, address, Social Security number, date of birth and employment information. We will make sure that your personal identifying information doesn't get into wrong hands. Then a credit report will consist of your trade lines i.e. your credit accounts. The type of account i.e. mortgage, bankcard, auto loan etc, the date you opened the account, your credit limit or loan amount, your payment history and the account balance - all will be mentioned in the credit report. Lenders will give you loan on the basis of your credit report. So, any illegal or surreptitious access to your credit report will wreck havoc to your credit scores and your creditworthiness. So, play safe, opt for a credit service from http://www.gotopatches.com. <br /> <br />George M Noceti, Managing Partner for http://www.gotocreditreport.com. George has designed a web site to help consumers fix their credit reports in an easy fashion. He can be reached at mailto:george@gotospp.com.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/13557748-111837765502842273?l=a1homemortgageinfo.blogspot.com' alt='' /></div>Ralph Brownlynoreply@blogger.com0