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Recent Posts
- How to Build a Real Estate Investment Portfolio with Minimum Risk
- Financing a Second Home, Mortgage Lenders Make the Rules
- Thirty Year Verses Fifteen Year Mortgage – Which Amortization Is For Your Home?
- Fannie Mae and Freddie Mac – Pervasive Impact on the Real Estate and Mortgage Industry
- Subprime Mortgages – A Propagation of Fraud and Everyone Is Guilty
- A Financially Rewarding Community Service Home Business
- A Breakthrough in the Cost of Diabetes Testing Supplies
- Diabetes Mellitus – Understanding Causes, Symptoms and Treatment
- Financing Investment Property – Second Home or Rental Income
- Credit Restoration – Using Section 609 of the FCRA to Restore Credit
- Financing Your Business – How to Obtain Working Capital to Grow or Start a Business
- Business Owners – An Unsecured Solution to Financing Your Business Growth
- Mortgage Modification – Saving Your Home From the Big Bad Wolf
- A Breakthrough in the Cost of Diabetes Testing Supplies
- Applying For a Mortgage – How Lenders Evaluate a Loan Application
- Need Business Capital – Merchant Credit Card Advance
- Financing Your Business – How to Obtain Working Capital to Grow or Start a Business
- Prescription Drug Discount Cards – Yes, They Really Save Money and for Many – Lots of it.
- Direct Mail Marketing – A Strategy to Deliver Your Message and Get It Read
- Mortgage Risk And Mortgage Refinance
- Buying a New House Before Selling the Old One
- Need Business Capital – Merchant Credit Card Advance
- Home Buying Tips – How to Get a Bargain on a Real Estate Investment
- Buying Real Estate – Evaluating Rental Investment Property
- Adjustable Rate Mortgage (ARM) – A Viable Alternative for the Short Term Home Owner?
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Author Archives: Michael Roche
How to Build a Real Estate Investment Portfolio with Minimum Risk
Many investors buy second homes with the idea of converting them to rental properties at some point in time. Seasonal properties in highly desirable vacation locations with close proximity to beaches, golf or skiing can be excellent investments.
Over time, it does not take exceptional income or wealth to build a substantial real estate portfolio that will make the retirement years very comfortable. It does take a stable source of income, a stable personal environment and a commitment to stay the path. The conservative or low risk approach not only provides peace of mind but allows for small mistakes to be made without compromising the ultimate goal.
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Financing a Second Home, Mortgage Lenders Make the Rules
The rules state that the borrower must have control of the property; meaning that the property will not be listed with a management company and the borrower will not execute a rental agreement. Continue reading
Thirty Year Verses Fifteen Year Mortgage – Which Amortization Is For Your Home?
Fifteen year amortized mortgages have great advantages over thirty year terms; shorter term pay off, lower interest rate and rapid equity build up. There is one glaring problem with them as an option for most home buyers. Continue reading
Fannie Mae and Freddie Mac – Pervasive Impact on the Real Estate and Mortgage Industry
Although both Fannie Mae and Freddie Mac have been disparaged in recent years due to their role in the real estate market meltdown, they are still and will continue to be the dominate influence in the mortgage industry. For decades their mortgage market platforms have provided Americans with uninterrupted access to funds for their real estate purchases. Their government sponsored status empowers them with ultimate creditability in international financial markets insuring that funds will be available for real estate purchases in the predictable future. Continue reading
Subprime Mortgages – A Propagation of Fraud and Everyone Is Guilty
Citi Group SVP, chief underwriter, Richard Bowen stated that he notified senior management of fraud on 60% of these mortgages and impropriety on up to 80%. How could this happen? Easy, you create a program that is an open invitation for fraud and invite all of America to participate. Continue reading
Posted in Featured
Tagged 60 minutes, bad credit, banking crisis, Banks, citi group, countrywide, fannie mae, fnma, freddie mac, mortgage fraud, mortgage underwriting, subprime mortgage
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A Financially Rewarding Community Service Home Business
What makes distributing prescription discount cards a powerful business model? To begin with, it is free to the consumer so there is no “buying” decision by to be made by the consumer. The distributor is paid each time the card is presented to the pharmacist. Continue reading
A Breakthrough in the Cost of Diabetes Testing Supplies
The Community Diabetic Program member will receive a savings of over 50% off retail, over-the-counter test strip pricing. Enrollment and supplies are free. Continue reading
Diabetes Mellitus – Understanding Causes, Symptoms and Treatment
The most common symptoms of diabetes mellitus are those of fluid imbalance leading to urinary frequency and dehydration. Severe dehydration causes weakness, fatigue, and mental status changes. Symptoms may come and go as plasma glucose levels fluctuate. Hyperglycemia (high blood sugar) can also cause weight loss, nausea and vomiting, and blurred vision, and it may predispose to bacterial or fungal infections. Continue reading
Financing Investment Property – Second Home or Rental Income
Mortgage underwriters are conscious of potential deception by borrowers who reach out for the better terms of second home financing. Other than qualifying for the new property without the benefit of future income, the property should be more than fifty miles from the borrower’s primary residence and make sense as a vacation destination to qualify as a second home. Continue reading
Credit Restoration – Using Section 609 of the FCRA to Restore Credit
A simple, relatively unknown but proven legal strategy can be implemented to raise credit scores. If accurate derogatory information in the consumer’s file cannot be verified, the reporting agency is required to remove it. This law requires every company that reports credit events, not just the original creditor companies, to be able to produce verifiable proof of the negative event. It holds the credit reporting agencies accountable for the negative information they pass on. Continue reading
Financing Your Business – How to Obtain Working Capital to Grow or Start a Business
Difficult economic conditions have fostered non-traditional funding sources that fill the void that the banks have found it necessary to create Continue reading
Business Owners – An Unsecured Solution to Financing Your Business Growth
When The Banks Say NO! – You Can Count On The Merchant Credit Card Advance Difficult economic conditions are affecting nearly every facet of America’s business community. High unemployment, deterioration of investment portfolios and overall lack of confidence in … Continue reading
Posted in Business Opportunities, General
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Mortgage Modification – Saving Your Home From the Big Bad Wolf
The U.S. Department of Housing and Urban Development (HUD) defines a Mortgage Modification as a permanent change in one or more of the terms of a mortgagor’s loan, allowing the loan to be reinstated, and resulting in a payment the borrower can afford. Frequently a Loan Modification can help prevent a foreclosure through renegotiating the existing mortgage terms, which may include the following actions: Continue reading
A Breakthrough in the Cost of Diabetes Testing Supplies
The Community Diabetes Program member will receive a savings of over 50% off retail pricing for their testing strips and enrollment in the program is free. Continue reading
Applying For a Mortgage – How Lenders Evaluate a Loan Application
Underwriters have flexibility in the debt sector and strategies can be employed to keep debts in line with lender requirements. Installment loans do not count in the qualifying ratios if there are ten or fewer installments remaining. An auto loan with eighteen payments remaining may be paid down to ten months therefore eliminating the debt for qualifying purposes. Continue reading
Need Business Capital – Merchant Credit Card Advance
Business owners that accept credit cards now have a source of working capital that transcends the underwriting restrictions and collateral requirements of bank lines of credit through credit card receipt advances. Continue reading
Financing Your Business – How to Obtain Working Capital to Grow or Start a Business
So where does one find access to working capital or a loan to start a business. The good news is that difficult economic conditions have fostered non-traditional funding sources that fill the void that the banks have found it necessary to create. Continue reading
Prescription Drug Discount Cards – Yes, They Really Save Money and for Many – Lots of it.
Millions of Americans have to pay top dollar for their medications because they have no prescription insurance. The people that can afford it the least are charged the most. For those who are uninsured or underinsured, prescription drug discount cards can provide significant savings at the pharmacy. Continue reading
Posted in Business Opportunities, Medical
Tagged medications, online pharmacy, Pharmacy, prescription, prescription drugs prices
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Direct Mail Marketing – A Strategy to Deliver Your Message and Get It Read
So how do you get direct mail solicitations opened? One method is to provide something of real value in the envelope and call attention to it on the face of the envelope. A major insurance company mailing hundreds of thousands of solicitation mailers per month was considering abandoning their direct mail campaigns because their resulting rate of leads had dwindled in recent years. Continue reading
Mortgage Risk And Mortgage Refinance
When interest rates decline significantly, refinancing usually makes sense. Be aware that refinancing a mortgage can prove to be expensive as there are closing costs to be paid. Loan origination fees, settlement costs, state and local taxes and property appraisal are applicable to every refinance. Continue reading
