GetPreQualified Free Real Estate, Foreclosure, Credit Repair and Financial Articles

8000 first time home buyer tax credit from fha

2009-05-14T09:12:00.000-07:00

FHA home loan mortgages will soon be a lot better for first time home buyers. Hud and FHA plan on giving buyers an $8000 bridge loan that they can use now to buy a home rather than wait to get their refunds. Not all of the details have been outlined yet.

FHA first time home buyer tax credit program

Simmons & Gottfried, PLLC - A New Law and Mediation Firm Launched January 16, 2009

2009-01-23T10:18:00.000-08:00

Alona Gottfried, Esq. and Jared C. Simmons, Esq. started a new law and mediation firm: Simmons & Gottfried, PLLC on January 16, 2009.

Simmons and Gottfried, PLLC will offer legal services in the areas of collaborative divorce law, business law, family law, commercial law, transactional law, personal injury and employment law. Mediation services are also available to resolve law suits, business disputes, potential law suits, divorces and other family law and domestic partnership disputes, real estate disputes and many other areas of disputes.

To contact Alona M. Gottfried call 480-998-1500. The law offices of Simmons & Gottfried, PLLC are located at 3877 N. Seventh St. Suite 340, Phoenix, AZ 85014-0001.

Keys to Getting to the Next Level In Business

2009-01-19T08:54:00.000-08:00

The first step is to admit that you can see the next level but have not had the success in getting there yourself. If you can identity the results you have and the results you want to achieve, your ability to cause that success for yourself will go up dramatically. Without a written action plan, your ability to produce the results that you desire go down exponentially.

Plan your work and work your plan.

Innovative Management Solutions

How is the Escondido Real Estate Market?

2008-08-21T09:26:00.000-07:00

The Real Estate Market in Escondido is not much different than much of the larger market across the country. Property prices are down and foreclosures are up. It will probably be a few years before things start to stabilize again. The next wave of foreclosures should happen in 2009 when all of the option arms start resetting. Once we are through this I think we will know where we are at.

http://www.mylesweisman.com/

What is a RELO?

2008-07-30T12:50:00.000-07:00

What is a RELO? RELO is short for relocation. RELO Properties are owned by a RELO company, or real estate company, even employer for transferred employees. A home buyer should check with a real estate company's relocation department for good home buying deals. Employees should check with employer's HR department.

What is a RELO?

Should I get renters insurance?

2008-07-30T09:02:00.000-07:00

Should I get renters insurance? Get Renters Insurance If Renting A Home After Foreclosure. Renters Insurance is often missed by renters. If you have owned a home your homeowners insurance policy will not cover you if you are now renting a home. Make sure that you check your current insurance company for renters insurance and shop around.

Should I get renters insurance?

Renting a Home Until Your Credit Rebounds After A Foreclosure

2008-07-30T09:00:00.000-07:00

Renting a Home Until Your Credit Rebounds After a Foreclosure. Renting a home is a great way to reestablish credit following a bankruptcy. It takes 3 years from foreclosure to be able to qualify for a mortgage. (Should I rent or buy a home now)

What Does REO Mean? Real Estate Owned

2008-07-30T08:59:00.000-07:00

What Does REO Mean? Real Estate Owned and REO stand for banked owned property from a foreclosure. Buy a REO properties. Maybe get a good deal, but do your inspections, use a real estate agent. (What is an REO)

Ask A Real Estate Agent What Your Home Is Worth

2008-07-30T08:52:00.000-07:00

How does a realtor know what my home is worth? Ask A Real Estate Agent What Your Home Is Worth. Real estate agents are very knowledgeable when it comes to determining the value of your home. Selling your home, refinancing your home, getting divorced, talk to a real estate agent first to get an idea of your home's value before you make plans and pay for an appraisal. (What is my home worth?)

How Do I Know What My Home Is Worth?

2008-07-30T08:49:00.000-07:00

How Do I Know What My Home Is Worth? Determining the value of your home can be achieved by many valuation methods. Are you looking to sell your home, refinance your home, or just know so you can sleep at night? Depending on your reasons, you will pick an appropriate valuation method to determine the value of your home. (What is my house worth?)

Real Estate Articles

How do I get a mortgage?

2008-07-30T08:44:00.000-07:00

How Do I Get A Mortgage? Qualifying for a mortgage requires meeting particular guidelines. To Qualify, every borrower must show ability to pay, willingness to pay, and credit worthiness. There are different ways to qualify as long as the basics are met. Your first step should be to speak with a loan officer and see what documentation you will need for the loan. (How do I get a mortgage?)

Home Buyer Articles

What Are Points? Should I Pay Points?

2008-07-24T07:41:00.000-07:00

Should I pay points? What Are Points? Should I Pay Points? Paying points lowers your mortgage interest rate. Answer the question Do I Pay Points Or Not based on Money, Budget, and Time. You need to consider how long you are going to stay in your home to really see if it is worth the extra money.

Should I pay points for a mortgage?

What Is A Mortgage Broker?

2008-07-24T07:39:00.000-07:00

What is a Mortgage Broker? A Mortgage Broker arranges mortgages for home buyers and home owners. Mortgage Brokers have flexibility in the loan programs they can offer, offer a wide variety of loan products, some can offer FHA mortgages and Reverse Mortgages.

What is a mortgage broker

What Is A Mortgage Lender? A Mortgage Banker?

2008-07-24T07:36:00.000-07:00

What is a Mortgage Broker? What is a a Mortgage Banker? Essentially these two are the same. They are a mortgage broker on steroids. Mortgage lenders lend money for mortgages for buying a home and refinancing. Mortgage bankers can also lend money. Both can sell mortgages retail or wholesale. (What is the difference between a mortgage lender and a mortgage banker?)

First Time Home buyer information

Do Not Get Fooled By The Yield Spread Premium

2008-07-24T07:32:00.000-07:00

What is yield spread premium? Yield Spread Premium is the difference between a mortgage broker and mortgage lender. Mortgage Brokers disclose Yield Spread Premiums on the Good Faith Estimates and Mortgage Lenders do not. (what is YSP)

First Time Home buyer articles

Lynx-Gas-Grills - What Is The Best Gas Grill?

2008-07-23T08:30:00.000-07:00

The Lynx_Gas_Grill is the best in the business. What is the Best Gas Grill? The Lnyx Gas Grill is certainly one of the world's best gas grills. Durable, hand made in the USA, stainless steel, infrared, red brass burners all make the Lynx Gas Grill system one of the best. (Lynx-Gas-Grill information)

Green Articles and Information

What Happens If My Rate Lock Expires?

2008-07-23T08:25:00.000-07:00

What happens if my rate lock expires? If your rate lock expires you need to know what to do to protect yourself. Mortgage companies and mortgage lenders handle expired rate locks differently depending on company policy, interest rates, and who dunnit. You may be in for a real shock if you loose your rate lock. Interest rates go up and down daily. You could end up with a rate much higher than you were originally quoted. Be sure to know when your mortgage rate lock is expiring so you can stay of top of your loan officer. (What to do if you loose your lock)

Mortgage Articles

FICO Score Factors That Do Not Affect Your Scores

2008-07-18T16:03:00.000-07:00

FICO score factors that don't affect your credit scores are important to know. Know what what to not do to improve your credit scores. You may be unknowingly doing things that are hurting your credit scores. (What doesn't affect my credit score)

How To Deal With A Collector

2008-07-18T15:58:00.000-07:00

If you have collections you must learn how to deal with a bill collector. If you ignore collectors calling you you could do more harm, but you must know the rules of the Fair Debt Collection Practices Act. (How do I get collectors to stop calling me)

Credit Articles

How Do I Stop Identity Theft?

2008-07-18T15:52:00.000-07:00

How Do I Stop Identity Theft? Stopping ID Theft comes from preventing ID Theft. Stopping ID Theft takes some effort as ID Thieves get better and better. Use a credit monitoring service like LifeLock Identity Theft Prevention to keep an eye on your credit report. (I want to protect my identity)

I want to learn more about credit

Author Terms of Participation - Become An Author On GetPreQualified

2008-07-18T15:26:00.000-07:00

Author Guidelines and Terms of Participation, Become an Author On GetPreQualified.com and get your content online. Publish your expert knowledge. General requirements to submit articles to GetPreQualified. Read the guidelines. (I want to publish online articles)

I want to publish real estate articles

Article Editorial Guidelines - Become an Author on GetPreQualified

2008-07-18T15:22:00.000-07:00

Article Editorial Guidelines for GetPreQualified. Submit your articles to GetPreQualified. Become an expert in your field of expertise. Follow our guidelines to publish your mortgage, real estate, credit repair, debt settlement, debt negotiation articles. (I want to publish articles online)

I want to publish articles on GetPrequalified.com

What Is A Fraud Alert? How To Do A Fraud Alert?

2008-07-18T15:19:00.000-07:00

What Is A Fraud Alert? How To Do A Fraud Alert? Both important consumer credit protection measures to take to help prevent ID - Identity Theft. Place a fraud alert on your credit report if you want to protect your credit and identity. (How do I do a fraud alert on my credit report)

I have credit questions

What To Do If My Mortgage Balance Is More Than Home Is Worth

2008-07-18T15:14:00.000-07:00

My mortgage balance is more than my home is worth. Many homeowners face homes values less than mortgage balances. FHA Secure, refinance while subordinating a second mortgage are options. You may also want to try NACA as a solution. This is also a great time to try to renegotiate your terms on your mortgage. You may be able to get a reduction in principal as well as lowering your mortgage interest rate. (My mortgage is upside down)

I have mortgage questions

Solar Electric Arizona – Are There Enough Solar Electric Contractors

2008-07-17T09:04:00.000-07:00

Solar Electric Arizona is a no brainer, but are there enough solar certified electric contractors and installers? The home solar electric market is in Arizona is in high demand and there is strong supply of panels. Contractors and installers must keep up or conversion efforts to solar electricity will be slowed. (Solar Electricity in Arizona)

Stop Global Warming

What Is The Pickens Plan - Wind Power Generation

2008-07-17T08:59:00.000-07:00

What is the Pickens Plan? Wind power generation is the Pickens Plan. The Pickens Plan calls for increase natural gas vehicle use and wind driven turbine power generation in the mid section of the US to reduce the U.S. dependency on foreign oil. (How does the Pickens Plan work?)

Alternative Energy Solutions and Going Green

Sample Pre-Approval Letter and Advice On Sales Contract

2008-07-13T13:08:00.000-07:00

Answers to frequently asked mortgage and sales contract questions about pre-approval letter and advice on making an offer to a home seller. Bonus information about getting pre-approved. When you bring a pre approval letter to a seller, it is telling them that you are dealing in cash. It is one less thing for them to worry about. Getting prequalified is ok but it is not a pre approval. (how to get pre qualified to buy a home)

Advice on making an offer to a seller

Buying an Investment Property Different From Buying a Home?

2008-07-13T13:05:00.000-07:00

The process of buying an investment property is similar to that of buying a home to live in. There are some differences in how you qualify for an investment property and the loan will have a higher interest rate. (Are mortgage rates higher for investment property?)

Buying investment property in a down market

Should I Pre Qualify With My Husband As First Time Buyers?

2008-07-13T13:02:00.000-07:00

My husband has a lot of debt, should we try to buy our home together? We are first time home buyers and want to buy our first home, but don't know what to do. (Get Prequalified)

first time Home buyier information

Buy A Home After Bankruptcy - With Co Signer Or Wait

2008-07-13T12:58:00.000-07:00

I want to buy a home after bankruptcy. Can I buy it with a co-signer or will I have to wait? Buying a home after bankruptcy - several options. Wait or have someone else buy home for you and you rent from them. Fannie Mae guidelines state that you must wait two years from the filing date of the bankruptcy to be eligible to buy a home. The BK must be discharged as well. (Buying a home after bankruptcy)

Home buying articles

Buying Green Energy With Green Pricing, Green Marketing, and Green Tags

2008-07-12T14:23:00.000-07:00

Buying green energy without a home solar electric system is possible in many different ways. Green Pricing, Green Marketing, Green Tags all support going green with renewable energy sources like solar, wind, biomass, geothermal, and hydroelectric. (How to go green)

Stop global warming

Home Solar Electric Still Expensive - How To Pay For These Systems?

2008-07-12T14:20:00.000-07:00

Home solar electric systems are still too expensive for most Americans. Learn how to pay for some of these solar energy systems. Some incentives and rebates are available now, but more are on the way. Fossil fuels and global warming are forcing solar energy research and funding sources. How to buy a solar energy system

I want to go green

Home Solar Systems And What Do They Cost?

2008-07-12T14:18:00.000-07:00

Home solar systems and what do they cost are common questions for anyone looking at saving money, going green, and saving the environment at home. Home owners have many options for at home solar solutions, but many of them are expensive. What is the cheapest solar system I can put on my home?

How can I go green?

What Is The Best Mortgage For Recent Debt Management Program?

2008-07-11T23:38:00.000-07:00

The best mortgage program following a recent debt management, debt settlement program is an FHA loan. Teacher loans may work from Fannie Mae and Freddie Mac. (Can I get a mortgage after a CCCS program?)

Does debt consolidation hurt your credit?

How Can I Find An FHA Lender With The Lowest Closing Costs?

2008-07-11T23:33:00.000-07:00

Find an FHA lender with the lowest closing costs. Start with knowing what closing costs to expect then shop for a FHA licensed mortgage lender or mortgage broker. You may want to speak with a few FHA lenders before you make your final decision. (What is the best FHA loan)

FHA articles

Home Buying Articles

Debt Consolidation Mistakes – Are balance transfers bad?

2008-07-11T23:26:00.000-07:00

Are balance transfers bad? Debt Consolidation with credit card balance transfers. Mistakes with balance transfers, hard money loans, and other debt schemes. Consolidating debt with credit card balance transfers effective yes but tricky. Introductory offers, 0% Interest Rate Offers have their price if you make a mistake. If you miss a payment the universal default rate will kick in. (Debt Consolidation Mistakes)

Should I do a balance transfer?

I need debt help

Is Closing Old Credit Card Accounts Bad?

2008-07-11T09:54:00.000-07:00

Closing old credit card accounts can hurt more than help your credit scores. Credit scores do not count closed credit card accounts and your debt to limit ratio can be negatively impacted to lower your credit scores. Your best bet is to just cut up the card so the account stays on your credit report. Roughly 15% of your credit score is calculated from you credit history. When you cancel the card, the credit history gets canceled as well. (Should I close my credit card?)

Ask EdGar

How Do I Get Rid Of PMI On My Mortgage?

2008-07-11T09:51:00.000-07:00

How to get rid of PMI, Private Mortgage Insurance, on my mortgage is a common question in the mortgage industry. PMI will stay on your mortgage for at least two years, among other conditions. The new rules require that you have at least 22% equity in your home. (How to get rid of PMI)

What Is Consumer Credit Counseling Services - CCCS?

2008-07-11T09:47:00.000-07:00

What is Consumer Credit Counseling Services, CCCS? CCCS is counseling services to help consumers get out of credit card and unsecured debt fast. Typically companies are members of national associations that govern their activities and ethics. Be on the look out for debt consolidation companies that are for profit. Some creditors wont work with for profit debt management companies.

What is CCCS?

I want to get out of debt

What Is Debt Settlement?

2008-07-11T09:30:00.000-07:00

What is Debt Settlement? Debt settlement is not debt management or CCCS, it is settling collection accounts and charged off creditor accounts. Accounts are typically settled for less than originally owed. You can save yourself up to 60 cents on the dollar in most cases by doing debt negotiation.

Find me a debt negotiator

What is debt settlement?

I Am Self Employed With Tax Write Offs - How To Calculate Income

2008-07-11T09:23:00.000-07:00

To qualify for a mortgage how do self employed small business owners with tax writeoff calculate their income? Buying a home while self employed is harder than if used to be if you do not have much money in the bank and you write everything off. You will now have to show income to the mortgage underwriter if you want to buy a home. Lenders have tightened down lending criteria due to the recent mortgage meltdown.

I'm self employed, can I get a mortgage?

Debt Consolidation Program The Best Option?

2008-07-11T09:18:00.000-07:00

Debt Consolidation is one option for getting out of debt. What other options are there for paying off your debt and becoming debt free? Options depend on being a home owner or not. If you have equity in your home you may be able to use that to pay off your debts. If you are like many homeowners now, your home may not have much equity with the real estate market down turn. (Does Debt Consolidation Work)

Does Debt Consolidation Work?

What Is Debt Negotiation - Does Debt Negotiation Work?

2008-07-09T09:01:00.000-07:00

What is debt negotiation? Does debt negotiation work? Most people never find out because they know little about how to settle and negotiate with collectors. Collectors want to settle to get something versus nothing if you are considering filing a bk, you may want to consider debt negotiation as an alternative to bankruptcy.

What is debt negotiation?

Ameri Dream or Nehamiah - What Is The Difference

2008-07-09T08:56:00.000-07:00

What is the difference between Ameri Dream or Nehemiah? Both are down payment assistance programs which allow people to buy homes with little or no money out of their pockets. But there is a minor difference between these two programs. Ameridream will allow you up to a 10% gift while Nehemiah will only allow you to go to 6% of the purchase price as a gift. (What is the difference between Ameridream and Nehemiah )

What is an fha loan?

How do I get free money to buy a home?

India Expands Solar Energy Programs – Energia Solar

2008-07-02T09:03:00.000-07:00

India Expands Solar Energy Programs to increase solar energy efficiency, stopping global warming and climate change. India wants reliable abundant source of clean renewable energy. India's energy demands are a threat to climate change. I am glad to see that they are taking on initiatives to help combat the issue of climate change. The issue of climate change is a global one and all nations need to be united in the effort to bring our carbon use to an acceptable level. (India solar energy initiatives)

Global solar energy programs

Solar Panel Systems - About Money Or Personal Principles

2008-07-02T08:55:00.000-07:00

Solar Panel Systems can save your electric bill. Save money on your monthly electric bill. Minimize impact on global warming and climate change. It is an ethical decision for many because solar panel systems are expensive. We must work to improve the technology around solar energy. It is abundant and a viable solution to help with our power needs. (solar panels)

What is solar energy

Paneles placas solares

energia solar

Richard Branson Starts Virgin Fuels To Help Stop Climate Change

2008-07-01T17:21:00.000-07:00

Richard Branson starts Virgin Fuels to help stop climate change. Virgin Fuels and Branson invest in renewable energy projects to promote and develop a sustainable future. Climate change is here to stay. Richard Branson is committed to making a difference in our world climate. We need more people to step forward to lead the way to a healthy planet. (Who is Richard Branson)

How can I stop global warming

What Is My Carbon Footprint?

2008-06-30T09:27:00.000-07:00

If you ask what is my carbon footprint when buying a home, you can get a home that is energy efficient, a home that saves you money, but a blank stare from your real estate agent. Send them this link. If we all worked together to reduce our carbon footprint, we could make a huge difference in our impact on solving global warming. (what can I do to stop global warming)

How to stop global warming

Going Green Is Easy - Committing To It Is Hard

2008-06-30T09:23:00.000-07:00

Going green, or reducing your impact on the environment is easy. What is hard is your commitment to it. The only commitment harder might be losing weight, or marriage - it is for life. Going green doesn't mean buying solar panels and going off the grid. You don't even need to have a wind turbine in your front yard either. (information on going green)

How can I go green?

The Top 2008 U.S. Green Cities

2008-06-30T09:20:00.000-07:00

The top 2008 U.S. Green Cities provide green spaces, bike lanes, energy conservation initiatives, urban community gardens, green power and buildings. (how green is my city)

How green is my city?

What Is Green Power, Renewable Energy, Alternative Energy, Conventional Power, Bio Fuels?

2008-06-30T09:16:00.000-07:00

Green Power and Renewable Energy - best power sources for the environment - little or no global warming unlike conventional power from fossil fuels. We should also be looking at geo thermal, bio fuels, solar energy and wind energy. (How to stop Global Warming)

Alternative Energy Articles

I Drive A Toyota Prius And Am Smug Like On South Park

2008-06-26T15:08:00.000-07:00

Drive a Toyota Prius yourself and you'll see that great gas mileage, saving money, easy to drive, a lot of leg room, making a difference for the environment is all great stuff. Even Cartman cannot complain about a Toyota Prius. (Smug Prius Owners)

Am I a smug Prius Owner?

Driving Green - Is There Such A Thing

2008-06-26T15:03:00.000-07:00

Driving Green is not about switching to a new alternative fuel car in this article. Review ways to change driving habits to improve gas mileage. I just did a recent driving test on my own. I made two changes, I drove slower and took my foot off the gas when I saw a red light coming. I got an extra 2-3 miles per gallon. (How to get better mileage)

Easy ways to get better gas mileage

Go Green Tips - Energy Efficient Housing Ideas

2008-06-26T14:59:00.000-07:00

Energy Efficient Housing Ideas, Go Green Tips, Ways to Save Money are in vogue again. This time around there are some new ideas and new reasons. Believe it or not, putting aluminum foil on your windows is not such a bad idea. It blocks out the sun when it is hot and actually keeps heat from coming through. Aluminum is not a very good conductor of heat. (How do I stop Global Warming)

How can I stop global warming?

Buying Cars and Selling Cars Can Be Hell, What To Look Out For When Shopping For Automobiles Cars Trucks

2008-06-25T17:12:00.000-07:00

Buying cars and selling cars are not my ideas of fun things to do. Where Do You Start? Bank repossessed cars for sale, autotrader, or driving around to car dealers? (Buying Cars, Selling Cars)

Buying Cars, Selling Cars Articles

Best Gas Mileage For A Car, Truck Or SUV?

2008-06-25T16:59:00.000-07:00

Best Gas Mileage advertising campaigns are still being trumped by Best In Class messages. Why? Americans are driving less and buying more cars - why keep advertising for SUV's with Best in Class gas mileage? (What cars have the best gas mileage)

Buying Cars - Automobiles Cars Trucks

Additional Articles on Cars

Buying An Alternative Fuel Car - Honda Civic GX versus Toyota Prius

2008-06-24T11:10:00.000-07:00

Buying an alternative fuel car is a new option for buying cars now. Gone are the days of muscle under the hood, try out - do I want natural gas or electric? (Natural Gas Car)

Natural Gas Honda

Buying Cars - What To Consider When Buying a Used Car

2008-06-24T11:07:00.000-07:00

Buying cars can be a little tricky. Things to consider when buying a used car are: car's history, price, and can a mechanic look at it first. A little up front work when buying a car can save you down the road. If you are not comfortable with the car deal, don't do it. (How to buy a used car)

Buying Cars Selling Cars

Property Tax Consultants - 1031 tax deferred exchange explained

2008-06-24T11:02:00.000-07:00

1031 Tax Exchange is a great way to defer capital gains taxes on sold real estate investments. There are some rules to follow - learn the basics. (property tax consultants)

What is a 1031?

Fortuna Murcia Property Spain - Real Estate Investing

2008-06-24T10:57:00.000-07:00

Real Estate Investing in Fortuna Murcia Spain Property could be a smart thing to do in 2008. Regions in Spain have huge inventories including Fortuna and Murcia. There is an abundance of real estate for sale in Fortuna and Murcia Spain. Now could be a great time to buy in the Spanish Real Estate Market. (Fortuna Murcia Spain Real Estate information)

Fortuna Murcia Article

Property Lanzarote Real Estate Market Getting Better?

2008-06-24T10:53:00.000-07:00

Property Lanzarote Real Estate seems to be an appealing place to buy a vacation home to the people of the UK. Get a property there while you can. Buying property now in Lanzarote can be a great investment for the future. Prices wont stay this low forever. Buying property in the Canary Islands in Lanzarote can have its challenges. (What to look out for when buying in Lanzarote)

Lanzarote Real Estate Market Information

How To Do A Short Sale Request

2008-06-16T09:58:00.000-07:00

Asking for a short sale request from your mortgage lender is a option for stopping foreclosure. The short sale process takes time and effort, learn more. (Short Sale Process)

GetPrequalified.com

Get me out of Debt

Is a Short Sale An Option To Stop Foreclosure

2008-06-16T09:55:00.000-07:00

Use a Short Sale as one option to stop a foreclosure on your home. If you plan to do a short sale start early it take some time to get it approved. Working with you bank can be tricky and it might take awhile. Banks aren't know for their speed in processing a short sale transaction. You must be patient and be willing to play the game with them. (Short Sale Information)

GetPrequalified.com

Get me out of Debt

Common Questions and Answers About the Foreclosure Process and Deficiencies

2008-06-16T09:43:00.000-07:00

It is not bad enough that you may have or already have lost your home to a foreclosure process, but you may not be out of the woods yet with deficiency notices and taxes due on forgiven mortgage balances. Here are some common questions... You may be forgiven on the taxes if your foreclosure was on a primary residence but there are some stipulations for this. (More info on Foreclosure Deficiencies)

GetPrequalified.com

Get me out of Debt

FICO Score Factors That Do Not Affect Your Scores

2008-06-16T09:37:00.000-07:00

FICO score factors that don't affect your scores are important to know. Know what what to not do to improve your credit scores. (Don't worry about that car dealer pulling your credit.)

GetPrequalified.com

Get me out of Debt

Government Federal Local - What Do I Get From The Bush Economic Plan

2008-06-13T15:35:00.000-07:00

Government Federal Local and The Bush Administration has pushed through several economic stimulus plans over the years. Like the previous plans, the US Government gives you money based on your family size so that you spend it on consumer products. Here is the Bush Stimulus plan explained and you will find some ideas about what to do with your money. (The Bush Economic Stimulus checks)

GetPrequalified.com

Get me out of Debt

Low Cost Personal Loans - Tips to Getting the Right One

2008-06-13T15:30:00.000-07:00

A great way to establish credit or improve your credit history and scores is to get a personal loan. Remember, not all loans are created equal and you can get yourself into trouble if you do not go about getting one the right way. Learn tips to help you out. Getting the wrong loan can make your life a living hell. (Tips to getting a low cost loan)

GetPrequalified.com

Differences Between Men and Women in Debt and Financial Matters

2008-06-13T15:27:00.000-07:00

Do you remember the book Men are from Mars and Women are from Venus? Well, the differences he spoke about in that book exist in the areas of debt and finances. Read more about the differences. (The difference between men and women about money)

GetPrequalified.com

Using the Internet to Manage Your Personal Finances

2008-06-12T09:05:00.000-07:00

It is easy to get behind in today's fast paced society. We are pulled from many directions and sometimes our credit and bill paying suffer. What solutions are there? We present one - the internet. (Internet banking may be the best way to keep your money organized)

GetPrequalified.com

Arkadi Kuhlmann of ING Direct Puts the Customer First

2008-06-12T09:01:00.000-07:00

A great online bank, ING Direct, is designed to be simple, inexpensive, and deliver great customer service. Its President and CEO, Arkadi Kuhlmann has built the United States' largest internet bank by standing for his belief in fixing a banking system gone bad. ING stands as one of the most solid and prominent banks on the internet today. (More on why ING rules internet banking)

GetPrequalified.com

Why I Love ING Direct USA

2008-06-05T09:19:00.000-07:00

Doing business with ING Direct USA is a pleasure for one our freelance writers. Read his story and what he has to say about ING. Arkadi Kulmann is considered to be one of the best ceo's in the world and most people have never heard of him. (click for Full Story)

GetPrequalified.com

Preventing Identity Theft - Things to Watch Our For

2008-06-05T09:15:00.000-07:00

Here are some simple steps to identify and prevent identity theft. The key to identity theft protection is to be smart and go with your gut. If something does not feel right, it probably is not. Make a phone call if in doubt. You must be very diligent in protecting your social security number and other financial information. You financial information in the wrong hands could be disastrous. (click for Full Story)

GetPrequalified.com

The Bad News About a Big Tax Return

2008-06-05T09:12:00.000-07:00

Sorry to break it to you, you are not alone - getting a big tax return could be costing you more money than you think. Find out why and what to do about it. The best scenario when it comes to tax refunds it to not get one. I would rather have the money in my pocket than the governments. (click for Full Story)

GetPrequalified.com

Got Money To Put Somewhere - The Best and Simplest Places to Put Cash

2008-06-04T07:11:00.000-07:00

There are so many things we can do with our money nowadays. Where you put your money depends on what your goals are for it. Get back to the basics. Here are three simple places to put your hard earned cash. (click for Full Story)

GetPrequalified.com

Emergency Fund - What Do I Need To Know?

2008-06-04T07:08:00.000-07:00

What happens when you have an emergency and need cash? Can you go to your bank and get quick easy access to your money that you have set aside over the years. If you cannot then this article is for you. Read these simple easy tips and save yourself a lot of headache when it comes to planning for a financial emergency. (click for Full Story)

GetPrequalified.com

Has The Housing Crisis Hit Bottom?

2008-06-04T07:04:00.000-07:00

The U.S. Housing Crisis is really bad - that's all we hear in news day in and day out. Foreclosures, too many houses for sale, another mortgage company filing for bankruptcy - when will it all end? To tell, take a look at historical data and compare to what is happening in many markets across the country. Buying in a down market is a great long term move, is it time to buy your dream home? (click for Full Story)

GetPrequalified.com

Why Roth IRA's Totally Rule

2008-06-03T11:06:00.000-07:00

Roth IRA's and Traditional IRA's both have their place in individual retirement planning. Hands down, the Roth IRA is the first place to start with your retirement planning. For information on how a Roth IRA could benefit you, (click for Full Story)

GetPrequalified.com

Tax Deductions For A Homeowner - Benefits To Owning A Home Versus Renting

2008-06-03T11:04:00.000-07:00

It is typical that if you called me to pre qualify for a new home we would discuss the advantages of owning a home. On the list of discussion topics are tax deductions in the form of mortgage interest paid on the loan. If one considers the tax write offs applied over a 12 month period of time with mortgage payments there can be significant savings over someone who rents. Owning a home can be one of the best tax shelter left. (click for Full Story)

GetPrequalified.com

Tax Deductions for a home buyer - The benefits from buying a home

2008-06-02T15:10:00.000-07:00

Buying a home can be a tense time for some folks. It can also be an expensive time. Thanks to the IRS, you can get some of your money back in the form of tax deductions for some of your expenses. The tax benefits of buying a home. (click for Full Story)

GetPrequalified.com

How to teach your kids about spending and saving money, credit, retirement and taxes

2008-06-02T15:07:00.000-07:00

If you have kids, or have had them, one of the toughest things to teach them about in my opinion is money. We as human beings get really funny about money, how much we make, how much we spend, how much we owe. I think that if we start young with our kids in teaching them about money we can save ourselves as parents in the future. Teaching you kids about money (click for Full Story)

GetPrequalified.com

The Lowdown on Capital Gains Taxes

2008-06-02T15:04:00.000-07:00

It is easy to see what is so attractive about “timing” the stock market -- buying stocks, bonds, or funds after an atypically awful week on Wall Street, then turning them around a few weeks later when the inevitable rebound takes place. The market has its somewhat predictable ups and downs, and anyone with half a brain knows when it’s been taking a beating, right? A tricky little item that many young and first-time investors have no idea about, though, is the pitfall of capita ... Most real estate investors don't plan on the impact of capital gains taxes when doing their real estate investing. (click for Full Story)

GetPrequalified.com

Past Due IRS Taxes - Offer In Compromise

2008-05-30T11:57:00.000-07:00

Find out about an Internal Revenue Service Offer In Compromise. Great program, but few get approved. Make sure you have a very strong case before you pay someone to help you. Offer in compromise programs do work. You need to be ready for a long process. Bottom line is an offer in compromise can save you thousands of dollars. (click for Full Story)

GetPrequalified.com

Tax Season Again - 7 Tips to Avoid Mistakes and Save You Time

2008-05-30T11:55:00.000-07:00

After the New Year, we in the US, turn our heads to the tax season. Do not make mistakes, they could cost you a lot of money and time. Accountants, CPA's, tax preparers, and every taxpayer are all busy to either file their taxes on time or to file an extension. Follow these tips to keeping out of trouble. (click for Full Story)

GetPrequalified.com

Filing For An Extension On Your Federal Income Tax Is Easy With Form 4868

2008-05-29T15:40:00.000-07:00

Tax day, or April 15th has come and gone and your taxes are not complete. Need extra time, file an extension now. Find out more about the process in this article. Just because you didn't file by April 15th doesn't mean that you are in trouble with the IRS. For information on how to stay on track with the IRS (click for Full Story)

GetPrequalified.com

Use Mediation to Solve Your Real Estate Disputes

2008-05-24T13:24:00.000-07:00

Resolving disputes in court can take years. In real estate disputes, taking years to settle differences on your house might not be a favorable or even valid option at all. Mediation is a make sense alternative to going to court and it is binding like going to court. Mediation is much cheaper than going to court. (click for Full Story)

GetPrequalified.com

Use a Home Staging Company To Sell Your House

2008-05-24T13:19:00.000-07:00

Looking to sell your home for top dollar and quickly? "Staging" is the way to go. Your idea of what looks like nice in your home is not what a potential home buyer thinks looks nice in your home, ahh their home... Staging presents your home in a neutral and attractive way to the widest range of potential home buyers. In theory, "staging" isn't hard or costly, but in reality, many homeowners find it difficult because it's often hard to see something objectively when we lov ... Staging your home will add thousands to your bottom line when selling your. Staging your home is definitely worth the time. (click for Full Story)

GetPrequalified.com

How To Sell Your Home Quickly In Arizona

2008-05-19T21:40:00.000-07:00

Selling your home in today's Arizona real estate market does take some work. But with proper planning, working with a seasoned real estate agent, giving some additional buyer incentives, and sticking to your plan you can sell your home and get most of what you want for it. (click for Full Story)

GetPrequalified.com

A Perspective of The 2008 Arizona and General Real Estate Markets

2008-05-19T21:38:00.000-07:00

If you listen to the media, selling your home might seem like a big mistake as compared to selling a few short years ago. Here are some predictions about the market in Arizona and in general and a few suggestions that you might use to sell your home faster. (click for Full Story)

GetPrequalified.com

How Important is Marketing in Real Estate?

2008-05-19T21:36:00.000-07:00

With the real estate and mortgage industries in a down market, if you are looking to sell your home, you will need to set yourself apart to be seen. Being seen can get your property sold. (click for Full Story)

GetPrequalified.com

Selling Your Home In This Market? Tips to Help it Sell Faster

2008-05-19T21:34:00.000-07:00

Talk about a competitive buyer's market for selling your home. It does take some work to get your home ready to sell and to keep it in ready condition. Follow these tips to set yourself apart. (click for Full Story)

GetPrequalified.com

How Do I Market Real Estate On The Internet

2008-05-18T19:57:00.000-07:00

Marketing real estate listings on the internet has been going on for years now. Yet there are still quite a few people who simply do not know how to use the Internet to sell properties. This article gets you started... (click for Full Story)

GetPrequalified.com

When is the right time to buy a home?

2008-05-18T19:54:00.001-07:00

Since January 2007, this has been the question on so many individuals' minds. I have heard real estate agents answer this question by giving specific months in the future that they predicted would be the month to buy. (click for Full Story)

GetPrequalified.com

I Want To Buy A House But I Don’t Have Any Money!

2008-05-18T19:51:00.000-07:00

You are renting, do not have any money and you want to buy a home. Sounds great, and you should check out buying a home! One of the first steps to wealth is owning your own home. Check out FHA Purchase Home Loans. (click for Full Story)

GetPrequalified.com

To get your incentive you have to use your builder's mortgage company - Beware!

2008-05-18T19:48:00.000-07:00

Builder Closing Cost Incentives...Are they worth it? Builders all across the country have their own mortgage companies, or they work specifically with a particular mortgage company. Using a builder's mortgage company can be easy in terms of paperwork from the builder to the mortgage company, but it might not be the best situation for you as a consumer. (click for Full Story)

GetPrequalified.com

I heard my company has an Employee Housing Assistance Program

2008-05-16T09:10:00.000-07:00

Employers are searching for ways to compete and succeed in today’s fast moving marketplace. Employer Assisted Housing programs from Fannie Mae are a benefit that many companies are now considering. EAH plans are gaining momentum because they make an employer have a more desirable place for an employee to work and are great as a recruiting tool. (click for Full Story)

GetPrequalified.com

Give Up The Escalade and Starbucks to Buy a Home

2008-05-16T09:08:00.000-07:00

If you are looking to qualify for a mortgage - there's two things to check that could make a significant impact on whether you qualify for a mortgage or not. Evaluate your car payment and evaluate how you spend your money on a daily basis. (click for Full Story)

GetPrequalified.com

I'm relocating - Relocation tips - Get Pre Qualified

2008-05-16T09:05:00.000-07:00

Congratulations! Your new job starts in two months and you need to relocate across the country. Relocation is a big deal so planning from the very beginning will make a huge difference in a smooth and worry free move. Find some tips in the article that might save you some hassles down the road. (click for Full Story)

GetPrequalified.com

Realtors in even more danger of less business and mortgage brokers under fire - again!

2008-05-16T09:03:00.000-07:00

Congress does not get it. They have to punish someone for the misfortunes of some bad mortgage lending practices that were allowed to go on from the largest mortgage lending banks in the US. Now these very banks are counseling Congress on a new law, HR 3915 which will significantly hurt the way consumers buy homes in the US. (click for Full Story)

GetPrequalified.com

Your First Step - Get Pre Qualified for a Home Loan Before You Shop With a Realtor

2008-05-14T12:35:00.000-07:00

Getting all dressed up for the dance and having your date not show up can be really upsetting. So can finding the dream home only to find out after your sales contract that you do not qualify to buy it. Start with your finances first, then you will know what you are capable of purchasing and can set your eyes on the right properties. (click for Full Story)

GetPrequalified.com

Finding the Ideal Home Builder - 5 Tips for Success

2008-05-14T12:33:00.000-07:00

Finding the ideal new home takes some time and work. Buying a new home from a home builder with the many choices on the market can lead to even more time and energy. With so many choices, how do you know if you are doing the "right" thing. Here are some tips to assist your home buying journey. (click for Full Story)

GetPrequalified.com