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Hidden Costs of Refinancing a Mortgage

By | November 12th, 2010|


The hidden costs of refinancing can raise the costs of refinancing your mortgage. Everyone will pay different amount to refinance their mortgage because of the hidden costs of refinancing. Some of the hidden costs of refinancing your mortgage can include your closing costs, title insurance, lender insurance and prepaid costs. The hidden costs of refinancing your mortgage can include your interest rate. When refinancing your mortgage, the interest rate can be affected by your credit history and credit costs. Avoid the hidden costs of refinancing by understanding exactly what you're paying for when refinancing a mortgage.

Loan Modification Can Affect Credit Scores

By | November 12th, 2010|

Loan modification can affect credit scores. Refinancing a mortgage appears on credit history. Loan modification can make home ownership affordable, but can affect credit scores. Homeowners having trouble paying their mortgages can apply for loan modifications, but it will affect their credit scores. Homeowners applying for loan modification programs have damaged credit histories and low credit scores. Homeowners enter a trial loan modification period in the loan modification process and that trial period can affect their credit scores.

Investment Income Tax Won’t Hit Most Homeowners

By | November 12th, 2010|

New investment income tax won't hit most homeowners. The Obama health care bill contains a new investment income tax but it won't hit most homeowners. Homeowner's with investment income over $250,000 will be hit with a new investment income tax. Investment income includes investment profit from a home sale, but the investment income tax won't hit most homeowners. Homeowners hit by the new investment income tax must have investment income over $250,000, so the investment income tax won't hit most homeowners.

Buy Land to Avoid Property Encroachment

By | November 12th, 2010|

Buy land to avoid a property encroachment lawsuit. To avoid property encroachment buy the disputed land. Obtain an easement on your vacation property or buy land if a property is in danger of encroachment. Solve zoning issues with an easement or buy the disputed land to avoid property encroachment. A vacation property in danger of encroachment can avoid a lawsuit with an easement or the purchase of the disputed land. Encroachment on a neighbor's property? Buy the land from your neighbor to avoid property encroachment or obtain an easement to avoid the property encroachment.

How to Think about Debt When Buying a Home

By | November 12th, 2010|

How to Think about Debt When Buying a Home Michelle sent me the following question: I am currently reading your book 100 Questions Every First-Time Home Buyer Should Ask because my husband and I are hopefully buying a home within the next year. It is a very helpful book! There is something I never understand, [...]

Emergency Essentials: Preparing Your Paperwork and Personal Information for an Emergency

By | November 11th, 2010|

Emergency Essentials: Preparing Your Paperwork and Personal Information for an Emergency We want to focus on family, festivities, and fun during the holidays, but, unfortunately, accidents don’t always take a holiday. You’ve probably already done the hard part. You’ve set up retirement accounts and various insurance policies to protect your home, your business, your life, [...]

HUD Announces Pilot Program to Help Homeowners Pay For Energy Improvements to Their Homes

By | November 10th, 2010|

HUD announces a pilot program aimed to help homeowners pay for green energy improvements to their homes. The HUD and FHA PowerSaver pilot program offers homeowners the chance to install green technology in their homes. New FHA PowerSaver loans will offer homeowners up to $25,000 to make energy-efficient improvements of their choice, including the installation of insulation, duct sealing, doors and windows, solar panels, and geothermal systems.

New Tax Laws for 2011

By | November 10th, 2010|

New Tax Laws for 2011 Over the last decade, dozens of tax acts have been passed, filled with hundreds of changes to the tax law. But this year alone, there have been nearly a dozen new tax acts. Ironically, nearly all of the new laws that affect individuals like you and me expire at the [...]

Finding An Apartment: Use The Internet To Find An Apartment

By | November 9th, 2010|


There’s a ton of information online, but sometimes it’s hard to sift through the scams and to find the actual deals. Always try to talk to an actual person when finding an apartment, and NEVER sign a lease before you see the place. Here's my three best tips on how to use the internet to find an apartment. You might not find an apartment online, but your search for finding an apartment should start there.

Running Out Of Money: Retirement Withdrawal Strategies in a Low-Interest Rate Environment

By | November 9th, 2010|

Here’s the question I get most often: What percent of my retirement funds can I safely withdraw without fear of running out of money? A close second is: How can I generate enough income from my portfolio in this low-interest-rate environment? Understanding the role bonds play in your portfolio is critical to both of these [...]

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