http://homehelperservices.net en-us http://homehelperservices.net N/A vfetty@dbs-inc.org Thu, 29 Jul 2010 15:05:34 CDT 20 http://homehelperservices.net/articles/50/1/Military-Financing Are you a military veteran, on active duty, a reservist or a military spouse? You may qualify for a very useful benefit: a Veterans Administration (VA) home loan. Eligible veterans are given VA-guaranteed loans made by private lenders such as banks, savings & loan companies, or mortgage companies. After applying for the loan via a lender and the loan is approved, the VA will guarantee a portion of it to the lender. The lenders generally limit VA loans to $359,650, but there is technically no maximum. Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/49/1/Debt-Consolidation-Loan Once you've found yourself in debt it may feel like a downward spiral from which you don't know how you'll ever regain your footing. It's hard enough to find simple answers and may seem impossible when the collection agencies constantly call your house and threaten the security of you and your family. Ultimately your decision to choose debt consolidation loans or a consumer credit counseling program to consolidate credit card debt should be based on your own personal financial situation. Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/48/1/Home-Equity-Loan Do you have equity built up in your home? Do you need money for college tuition or for medical bills? A Home Equity Loan may be what you are looking for to help with eliminating large expenses. More Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/47/1/Home-Equity-Line-of-Credit Do you have equity built up in your home? Do you need money for college tuition or for medical bills? A Home Equity Line of Credit may be what you are looking for to help with eliminating large expenses. Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/46/1/Refinance Are you looking to lower your interest rate and save some money on your mortgage payment? Do you need some extra cash for home improvements? Refinancing your mortgage loan is a great option to give your wallet some slack. Before you look into refinancing your home, please see the following information: Check that interest rates have dropped enough to make the cost of refinancing sensible. Compare the total costs to refinance, as well as interest rates, to determine if refinancing will save you money. Generally, the lower the interest rate, the more points the lending institution will charge. Shop around for a lender. Ask each for a list of charges and costs you must pay at closing. * A lower interest rate gives you less interest to deduct on your income tax, which may increase your tax payments and decrease the total savings from refinancing. Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/45/1/New-Home-Loans Are You Ready To Buy? You have saved up for many years and now you are ready to do something about it. You may prefer to meet with an online lender, a mortgage company, bank, or even an independent mortgage broker before house hunting to determine in advance how much you can afford and the mortgage amount for which you can qualify. This step is called pre-qualification and can save you time and trouble by making certain you are looking in the correct price range. Missy Moore Mon, 05 Dec 2005 00:00:00 CST http://homehelperservices.net/articles/31/1/Subprime-Home-Loans Do you have less-than-perfect credit? Did you know that you may actually still be able to get a home loan even though you have credit problems? Borrowers with flawed credit history are defined as subprime. Missy Moore Mon, 07 Nov 2005 00:00:00 CST http://homehelperservices.net/articles/19/1/How-Are-Your-Loan-Payments-Figured%3F Consumers tend to pay mortgages over long periods of time usually 15 to 30 years because they are such large loans. The principal balance is reduced gradually by monthly payments slowly at first then rapidly toward the end of the loan. So you ask what costs are actually in a mortgage payment? When escrow is used, a monthly mortgage payment is called a PITI payment. Missy Moore Mon, 07 Nov 2005 00:00:00 CST http://homehelperservices.net/articles/11/1/Down-Payment Have you been saving up for your dream home? Do you have questions about the down payment? The down payment presents the biggest obstacle to home ownership for most buyers, especially first time buyers and those in lower income brackets. Fortunately for those people, lenders have become more willing to underwrite mortgages with small down payments. Missy Moore Mon, 07 Nov 2005 00:00:00 CST http://homehelperservices.net/articles/9/1/What-Are-The-Costs-of-Refinancing%3F Are you looking to lower your interest rate and save money on your mortgage payment? Do you need some extra cash for home improvements? Refinancing your mortgage loan is a great option to give your wallet some slack. Before you look into refinancing your home, please see the following information: Check that interest rates have dropped enough to make the cost of refinancing sensible. Compare the total costs to refinance, as well as interest rates, to determine if refinancing will save you money. Generally, the lower the interest rate, the more points the lending institution will charge. Shop around for a lender. Ask each for a list of charges and costs you must pay at closing. Missy Moore Mon, 07 Nov 2005 00:00:00 CST