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Home Ownership Made Easy This network is dedicated to exploring ways to build wealth through home ownership. And at the same time take the mystery out of buying a home. Welcome to the world of home ownership! It's an exciting world, full of anticipation and opportunity: A chance to pursue your dream, establish roots and take your first steps toward long-term financial security. For most of us, the purchase of a home is the most important financial commitment we'll make in our lifetime. Yet our schools don't teach us how to go about it, and many of the books available on the subject are complex and confusing. Is owning a home right for every one? More importantly, is it right for you? Home ownership brings with it the advantage of enforced savings. Unlike a rent payment, some of the money you pay on your home goes toward building up your equity. Home ownership is a good place to begin building your wealth. An investment in home ownership has the potential for stable profit that you will not find anywhere else in today's climate of low interest rates, and volatile stock markets. More importantly, home ownership is one of the very few investments available to many of us that has the potential to appreciate significantly while it continues to enhance the quality of our lives. You can enjoy the freedom and independence of owning your own home at the same time you build equity for the future. Mortgage rates are the lowest we've seen in a very long time. And the trend is that interest rates will be low for many years. What does this mean for you? Affordability! It means that the monthly carrying costs for a home are extremely affordable, and will continue to be so for many years. You may even find that you can carry a house for an amount that is quite comparable to today's high rental costs. And with rent, you can expect your costs to increase over the years. Your mortgage payments, however, will remain the same throughout the term of your loan. How can you take advantage of today's low interest rates? You can finance a move to an upgraded home or you can purchase a recreational property. Where else can you enjoy your investment while it gains in value? If you are looking for just this sort of knowledge. Welcome HOME! Home ownership can sometimes be a complex undertaking, requiring the services of a team of experts, including a realtor, lawyer, mortgage broker, insurance agent, home inspector, renovators and movers. This network is dedicated to exploring ways to build wealth through home ownership and at the same time take the mystery out of buying a home. Especially your first home! If you are looking to buy your first home. Welcome HOME! If you are a realtor with advice on how to buy a home. Welcome HOME! If you are a mortgage broker with sound advice on how finance that home. Welcome HOME! If you are a lawyer with good advice on managing the details. Welcome HOME! If you are a home inspector with advice on inspections. Welcome HOME! If you are an insurance agentwith sound advice on property insurance. Welcome HOME! If you are a renovator with excellent advice on how to add value to a home. Welcome HOME! If you are a moverwith advice on how to prepare and pack for the move. Welcome HOME! If you are a home owner with a positive story about how you bought and / or financed your home. Welcome HOME! If you are a home owner with a story about pitfalls to avoid. Welcome HOME! We'd love to hear from you! If you are looking for a home in the Greater Toronto Area, including Brampton, Mississauga, Oakville, Burlington, Etobicoke and Toronto, Allan Todd invites you to attend a Home Ownership Made Easy Workshop. For workshop outline and to reserve your seat: click here Spam messages will be deleted immediately. Sales solicitation is not permitted on this board. |
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| 11/09/06 | It is a Buyers Market - Are You Ready To Buy Your Home? # |
Allan Todd - Realtor
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All indications now point to a buyers market in the Greater Toronto Area and elsewhere - if you have been waiting to buy a home - this may well be the right time for you. To learn more about buying a home, I invite you to attend one of my FREE Home Buyer Workshops. Visit www.homebuyerworkshop.ca Post Reply Reply by Private Message (new win) |
| 11/09/06 | Buy the RIGHT kind of mortgage # |
Steve Smith
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I'm with a large national mortgage and real estate company that educates people on how to get the RIGHT kind of mortgage for thier needs. Don't be intimidated by the banks, and traditional mortgage companies, who just care about themselves, and not your best interest. If you are looking to refinance an adjustable rate mortgage, or looking to buy a home for the first time, please give me a call. I am able to do business in just about every state. 702 358-2161.
Steve Smith
World Leadership Group
StevenSmith4@wlgdirect.comPost Reply Reply by Private Message (new win) |
| 10/19/06 | re: www.pedromortgage,com # |
David Austin
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Hello Pedro, nice site! I see you're in the mortgage business as well. I'm on the flip side - I don't originate mortgage loans but what we do is guide homeowners to restructure their loans to biweekly mortgages for tremendous savings on principal and interest.
Perhaps, we can network to a mutual advantage. I certainly wouldn't mind having loan origination links on my site to help generate additional interest and profits. Take a look at my site - let me know your views.
Look to hear from you at your earliest.
Our main site.
http://www.mm2000.us
Our reseller site.
http://reseller.mm2000.us
Best regards,
David Austin
CEO - Recruiting Division
Finance Brokerage Group
Wilmington, Delaware
Mortgage Manager 2000
http://www.mm2000.us
MSN: mr_manager
Yahoo: mr_managerman
> PEDRO ESPANA wrote:
> greetings my name is pedro i am in the mortgage business.i have a website www.pedromortgage.com it has free information on it.any questions feel free to contact me @ 800-214-8256 ext 0 thank you...pedroPost Reply Reply by Private Message (new win) |
| 10/15/06 | Relocation to NW Arkansas # |
Judy Luna
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Hello all,
I am a new member of the RYZE network and this is my first post. As a REALTOR(R), one of my concerns is affordability of housing. NW Arkansas is not only a great place to live, but (unlike many areas of the country) it is still affordable for the average person. The economy is strong (we have some big companies headquartered here--Walmart, Tyson Foods, and JB Hunt Trucking, for example) and the area is booming. There is a lot of new construction, and one can purchase a very nice new home with prices starting at about $150K.
For more information about the area and about real estate, please visit my main website at:
http://www.JudyLuna.com
To search for homes, I have another homesearch website at:
http://www.NWArkansasHomeSearch.com
Y en Español:
http://www.CasasEnArkansas.com
The latter website in Spanish also has general home buying information.
And finally, for updates on the area, read my blog at:
http://nwarealestateblog.blogspot.com
Thanks for your attention.
Post Reply Reply by Private Message (new win) |
| 09/26/06 | No SSN(Soc. Sec. No.) Needed to BUY Your Dreamhome! # |
Cecille "Marizel" Mercado
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...Only Tax ID No. is. If you want to know more info, please PM me or email at marizel@kragent.com
Thanks,
Cecille Mercado
http://www.KirkleyRealtors.com
Post Reply Reply by Private Message (new win) |
| 09/23/06 | New to this room # |
Steve Smith
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Hi everyone I'm Steve and I'm in the Las Vegas area. I'm with World Leadership Group,which is the 5th largest mortgage and real estate marketing company in the country. If I can be of help to anyone here let me know.
Steve Smith
World Leadership Group
StevenSmith4@wlgdirect.com Post Reply Reply by Private Message (new win) |
| 09/21/06 | New to this room # |
Steve Smith
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Hi everyone,
My name is Steve and I'm with a mortgage and real estate company in the Las Vegas area. I'm always looking for people that want to learn the mortgage business. You can do this on a PT basis, and I can hire people ANYWHERE in the country. If you have a need for a mortgage or looking to re-finance, please send me a message.
Steve Smith
World Leadership Group
StevenSmith4@wlgdirect.comPost Reply Reply by Private Message (new win) |
| 09/21/06 | Brand New Homes in Fresno,CA and Mesquite Texas for under $300K # |
Cecille "Marizel" Mercado
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Hi, my name is Cecille and I am a homeowner of 2 homes. The first one was kind of chaotic bec. of lender's faults but the second one which is just about to close on Monday, Sept 25 is super easy.
The Texas properties are duplexes with 3bds/2ba per unit. Close to downtown Dallas and job centers. Approx. $220K per duplex.
Fresno properties are from $279K-$300K, brand new homes, 4beds/2ba in approx. 8,000sq.ft. lot. This is the second home we bought. It's a great location..it's very close to downtown and schools.
Please go to http://www.KirkleyRealtors.com under Featured Listings to find these great buys!
There's a special loan programs for these developments and incentives/discounts for investors.
Thank you,
Cecille Mercado
http://www.KirkleyRealtors.comPost Reply Reply by Private Message (new win) |
| 09/07/06 | 6 Things You Must Know Before You Buy # |
Robert Hill-Bey
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"Subtle changes in the way you approach mortgage shopping, and even small differences in the way you structure your mortgage, can cost or save you literally thousands of dollars and years of expense." Before you commit your hard earned dollars to monthly mortgage payments, consider these 6 issues. Effective consideration of these areas can make your payments work much harder for you.
1. You can, and should, get pre-qualified or pre-approved for a mortgage before you go looking. Pre-approval is simple and can give you peace of mind when shopping for your home. Your local lending institution can provide you with written pre-approval for you at no cost or obligation, and it can all be done quite easily over the phone. More than just a verbal approval from your lender, written pre-approval is like money in the bank. It entails a completed credit application and a certificate which guarantees you are a mortgage to the specified level when you find the home you are looking for. Pre-qualification is also important. It is valuable information. It gives you a head up on any problems in your credit file and empowers you to correct them prior to buying a home. A written pre-qualification letter or pre-approval certificate shows to the seller you are serious about buying.
2. Know what monthly dollar amount you feel comfortable committing to. When you discuss mortgage pre-approval with your lender, find out what level you qualify for, but also pre-asses for yourself what monthly amount you feel comfortable committing to. Your situation may give you a pre-approval amount that is higher(or lower)than the amount of money you would want to pay out each month. By working back/forth withyou lender to determine what this monthly amount is and what value of home this translates into at today's rates, you won't waste time looking at homes that are not in your price range.
3. You should be thinking of your long term goals and expected situation to determine the type of mortgage that will best suit your needs. There are a number of questions you must ask yourself prior to committing to ant type of mortgage. (1) How long do you think you will own this home, (2) What direction interest rates are going in and how quickly? (3) Is my income expected change (up or down) in the near term, impacting how much money I can afford to pay. The answer to these and other questions will help you determine the most appropriate mortgage you should be seeking.
4. Make sure you understand what prepayment privileges/payment frequency options are available to you. More frequent payments( for example weekly or biweekly) can literally shave years off your mortgage. Structuring your payments so that they come out more frequently will significantly lessen the amount of interst that you will be charged over the term.
For the same reason, authorized pre-payment of a certain percentage of your mortgage, or an increase in the amount you pay monthly, will have a major impact on the number of years you will have to pay and could shorten your payment term considerably. These two payment options can cut years off your mortgage and save you thousands of dollars in interest. However, not every mortgage has these prepayment options built in, so make sure you ask the proper questions.
5. Ask if your mortgage is both portable and/or assumable. A portable mortgage, where available, is one that you can carry with you when you buy your next home and aviod paying any discharge penalties. This means you will not have to go through the mortgage process again unless you are moving up to a more expensive home. An assumable mortgage is one that the buyer of your home can take over when you move up to your next home. This can be a very powerful tool at the negotiating table making it much easier and more desirable for a buyer to buy your home and again saves you any discharge penalities.
6. You should seriously consider dealing with a Mortgage Expert. Consider dealing only with a professional who specializes in mortgages. Enlisting their services can make a big difference in the cost and effectiveness of the mortgage you get. For example, they can make the process faster thereby avoiding costly delays. Typically there is no cost or obligation to inquire.
I hope the information provided makes the process of buying your home easier. For more free reports at no obligation visit http://www.beyrealtyandassociates.com Post Reply Reply by Private Message (new win) |
| 08/29/06 | How To Stop Pay Rent and Start building Wealth # |
Robert Hill-Bey
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Why Rent You Can Own? FREE report shows how you can stop paying rent and start building equity in your own home... visit http://www.beyrealtyandassociates.comPost Reply Reply by Private Message (new win) |
| 07/21/06 | www.pedromortgage,com # |
PEDRO ESPANA
|
greetings my name is pedro i am in the mortgage business.i have a website www.pedromortgage.com it has free information on it.any questions feel free to contact me @ 800-214-8256 ext 0 thank you...pedro Post Reply Reply by Private Message (new win) |
| 06/22/06 | Introduction and looking for a loan # |
Samuel Chee
|
Hi,
My name is Samuel Chee and I am a student at Loyola University Chicago. I know time is money and I really want to start investing in real estate now. I want to start young so that I do not have to worry about my situation later in life. I have done many infomercial home-based businesses and was not satisfied or made any money. That is why I am looking into real estate.
I am looking at properties in Chicago and internationally. If you or anyone you know can help finance a 20 yr old looking to start his real estate portfolio, please message me.
Thank you for listening and thank you for letting me introduce myself.
-SamPost Reply Reply by Private Message (new win) |
| 05/26/06 | Increase your ability to get into a home # |
Charlie McCants
 |
Making it easy to get a home. Credit Scores are a key factor in owning a home and the amount of interest we pay to get in a home. Many of us have lived in an apartment for years and those years have not enhanced our credit scores when we decided to purchase a home. With the recent launch of our new product "Rent Reporting", you now have the opportunity to tap into several of the most important ingredients to maximizing credit scores. With Rent Reporting you can Build New Credit, add Positive Payment History, and add Length of Credit History from rent payments. We have the first mover's advantage in the entire network marketing industry offering this high demand product. Not only can we help others with their derogatory credit by offering Credit Repair but now with Rent Reporting we can also help build credit by adding rent payment history to all 3 major credit bureaus! This service is for the person that has good credit with the desire to have better credit or the person that need more points to get lower interest rate on their next refinance or mortgage. This is a great service for Realtors and Mortgage Professional to enhance their business, the consumer who wants to enhance their credit, the individual that wants to add income by offering this service to apartment complexes in their area or the business owner that wants to diversify their revenues with a new profit center. We all have choices in life, whether we take action or not - we made a choice. For more information about this service or other services we offer, which choice you will make. Charlie McCants keychoices@gmail.com Post Reply Reply by Private Message (new win) |
| 03/13/06 | Home Buyer's Handbook in English & Spanish!!! - Free!!! # |
Isidro Alvarez
 |
Hello there!
I would like to share with you my FREE Home Buyer's Handbook. This six page handbook is available in English and in Spanish and will help the seasoned as well as the first-time buyer. These tips will ease the mortgage process and help assure you a comfortable landing in your new home.
Topics Covered:
* Rate Shopping
* Nuances of the Contract
* Points vs. No Points
* Credit Scoring
* Pre-Payment Penalties
* Negative Amortization
* Junk Fees
* Glossary of Terms
Pass this information on to those whom you think might benefit from this handbook
Contact me at: isidro@castillolends.com for fastest results!
Gracais por su tiempo.
Espero que tengas un buen dia.
Isidro Alvarez
Mortgage Consultant / Owner
Castillo Financial ****Your dream. Our purpose.****
www.castillolends.com
Post Reply Reply by Private Message (new win) |
| 03/12/06 | New Member # |
Stephanie Turner
 |
Hello, My name is Stephanie, most people on line call me Lady D. I live in Michigan, and am married.I have a small business making novelty candles and bath and body products. I also own a small home based Mobile Signing Agency. My husband and I are not homeowners but we hope to own a home someday soon. Being a Mortgage Closer doesn’t make me knowledgeable in buying a home. I would like to learn as much as I can about buying a home.
Thank you in advance.Post Reply Reply by Private Message (new win) |
| 03/10/06 | Home Buying Assistance # |
Susan Milner, Realtor
 |
Hi everyone, I am a REALTOR in SW Florida & offer a free e-book on my website for home buyers. Its not local in nature so feel free to request it regardless of where you live.
You can find the link here:
http://www.SusanMilner.com/buyers.html
If you are looking to move into or out of, the SW Florida area (Cape Coral, Ft. Myers, Lee county, etc) please contact me for assistance anytime.
Yours in Success,
~Susan Milner, e-PRO REALTOR
http://www.SusanMilner.comPost Reply Reply by Private Message (new win) |
| 02/20/06 | re: Don't Sign ANYTHING Until You Read This First # |
Gary Mialocq, Ph.D.
 |
The luckiest person in the world is the person who has never met a lawyer, let alone used one. I've been investing in real estate since 1980 and have NEVER used a lawyer. This is simply an ad for prepaid legal and I won't comment on my experience with them. Lawyers are supposed to know contracts. I specialize in land trusts and 98% of lawyers are clueless in this area.
> Ivo Jackson wrote:
> Greetings to the group,
>
>If you are in the market for a new home, congratulations!
>
>However, you shouldn't ever sign a contract of any kind without having your lawyer review it first. A written contract is legally binding, and if you don't know your rights and responsibilities, you could end up very unhappy.
>
>Even if you take a homeowner's class (and you should), you should still get your lawyer to review it first. Lawyers draw up contracts; that's why lawyers should review them before you sign them.
>
>Don't have a lawyer? Why, becuase you can't afford $175 to $300 an hour? Neither can 80% of Americans.
>
>If you have 5 minutes, go to http://www.prepaidlegal.com/info/jacksonlv
>
>to watch a short movie about how you can protect your legal rights - for good.
>
>Stay up and stay active,
>
>I.C. Jackson Post Reply Reply by Private Message (new win) |
| 01/13/06 | Don't Sign ANYTHING Until You Read This First # |
Ivo Jackson
 |
Greetings to the group,
If you are in the market for a new home, congratulations!
However, you shouldn't ever sign a contract of any kind without having your lawyer review it first. A written contract is legally binding, and if you don't know your rights and responsibilities, you could end up very unhappy.
Even if you take a homeowner's class (and you should), you should still get your lawyer to review it first. Lawyers draw up contracts; that's why lawyers should review them before you sign them.
Don't have a lawyer? Why, becuase you can't afford $175 to $300 an hour? Neither can 80% of Americans.
If you have 5 minutes, go to http://www.prepaidlegal.com/info/jacksonlv
to watch a short movie about how you can protect your legal rights - for good.
Stay up and stay active,
I.C. Jackson Post Reply Reply by Private Message (new win) |
| 01/02/06 | Agents in New York # |
Yolanda Washington
 |
I am looking for Agents in New York, can someone help me? Post Reply Reply by Private Message (new win) |
| 11/06/05 | How you keep your property will determine its value tomorrow (some tips..) # |
Carlo Ruggeri
|
Some tips in how to improve your home when it's in need of repair when you sell or if you buy...
Do not take contractors who solicit door-to-door, ask for cash up front, want payment for the whole project in advance, who try to talk you into spending your money on temporary repairs.
When there are projects to be done to improve it, you want to be sure you are placing your house in the right hands.
Plan your project, if you are expanding or upgrading your house have drawings or sketches made before you hire a contractor make sure that those plans are approved by your local municipality and than get a contractor to quote, don't hire anyone just because has a truck and look a good labourer...
With this message I would like to thank all of you for your trust and support in 2005 and look forward to keep in touch with you in 2006...
Post Reply Reply by Private Message (new win) |
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