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Dream Home 2008: Choosing a Loan Plan

Thursday, May 8th, 2008

Dream Home 2008: Choosing a Loan Plan

Even though it’s not that easy for just anyone to buy a dream home, it is possible to get a home these days with FHA lending even with a 599 credit score. Even if you don’t have a lot of capital or a lot of money to put down, you can still get the home of your dreams at a very affordable price. A lot of us think that buying a home is a tough process, needing a large down payment, although this isn’t always the case, especially if you work with a professional loan officer and real estate agent. The home you can afford depends on your budgets. If you put a down payment on your home purchase, it will go towards your overall purchase, so remember that. The more money you put down on a home when you purchase, the lower your monthly payments will be, and you’ll save a lot on interest over the long run.

Those of you don’t own a home may live in rental houses and apartments, you still may be able to buy. This can be a worthwhile solution, although your still paying money towards your housing that you could instead be putting towards a home of your own. Owning a home is an american dream for many of us, especially when it comes to the dream home we all hope to own one day. Apartments and homes are great to rent, but homes offer you some tax advantages and tax write-offs.

Save up your money for a down payment and pay down your current monthly bills so you have a good debt to income ratio. All across the United States, you can find of lot of banks and lenders that offer easy to get loans for purchasing your own home or real estate property at low interest rates, your best bet right now is FHA financing. With a very low interest rate, the payment is managable.

Keep in mind, you need to choose a loan plan that’s best for you, that fits your needs fixed or ARM. You can go through a traditional bank, through a lender, or use a service online, or a mortgage broker. There are many different ways that you can go, although real estate agents seem to be the most common these days. Great professional real estate agents will be more than willing to help you get a great deal on the home and spent time with you to walk through the process.
Anytime you buy a house, you should always plan ahead, get yourself a real estate agent, and then pursue your perfect home.

If you plan your budget and take things one step at a time, you’ll be closer than you think to the home of your dreams.
If you choose to only keep renting and pay money toward something you don’t own to your landlord, your home purchase will be further away. Take action now and stop renting, find the home of your dreams and put your money towards owning it instead, it’s always better.

If your credit score is below 600 for now that’s ok also, we can put you into a credit repair program and get you into a property for now and we will work toward getting your credit score up to 600 then that way we can work on getting you financing.

If you have questions about real estate at anytime please email me ron@minnesotainvestors.com

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Open House Search: Search Houses Listed in Minnesota

Tuesday, April 8th, 2008

Open House Search: Search Houses Listed in Minnesota

We will be adding a new function to the website over the next 24 to 48 hours. You’ll be able to search thousands of Twin Cities listings with just a couple of clicks. These will be listed properties exclusively with agents. Also available will be Open House listings for you to search. You will be able to search the SOLD listings as well. You will be able to save your search also with a function and link we will provide you. The links and search functions should be installed shortly so please stay tuned. This is almost like searching the MLS, but not exactly, a lot of the same houses though. You won’t have access to all of the same info an agent has, but you will get to see a lot of the same houses. Also as you’ll notice we’ll provide you with a google MAP, mortgage calculators, local links, school district info, and county records. We will be adding more things as we go a long, and some various different type of calculators. Please take some time to fill out some info on our site and get pre-approved to go look at properties. Please contact me anytime at ron@minnesotainvestors.com

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