Make Your Financial Dreams A Reality – Affiliate Programs
Make Your Financial Dreams A Reality
Angela Dawn Huggins
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About The Author
Angela Dawn Huggins
My website will make you financially free
www.peopleaffiliates.com
huggins_angela@yahoo.com
New Year Resolutions to a Better Financial Future – Mortgage
New Year Resolutions to a Better Financial Future
Nowshade Kabir
There could not be a better time to mull over the changes needed in our life style than at the beginning of a New Year. This is also a good time to set yearly goals and make resolutions. Each year, according to statistics, almost a third of us make some kinds of New Year Resolutions. Interestingly, although financial future is our main cause of anxiety, our personal finance, according to surveys, gets only to the fifth place in the list of most common New Year resolutions.
For those of us who are still in the process of making New Year resolutions, my suggestion is to give high priority to financial aspects.
Here are some resolution ideas that may change your financial future over the course of time.
Saving
Lets make one thing clear! What ever amount of money you make it
Real Estate: Financial Considerations $$$ – Home
Real Estate: Financial Considerations $$$
Dan Auito
Raw land as opposed to improved property is much more difficult to finance through traditional lenders. The main reasons are that it generates very little income, development costs can be expensive, there are no buildings or improvements that can be used as collateral, and it is often considered speculative.
For those reasons mentioned we find that sellers are often our first choice regarding financing. It is typical for a seller of raw land to accept 10 percent down and the rest to be paid over time at a specified below market interest rate. This would be an example of an installment land contract. Other forms are contract for deed, mortgage and note and purchase money mortgages. In these cases, a real estate attorney usually drafts these contracts and a bank will act as an escrow agent to facilitate verifiable records of payments received. The seller often retains the deed until the property is paid for in full.
If you want to investigate bank financing, then you may start out by offering 30 percent down with a seven-year mortgage, with the bank getting an extra percentage point over and above the current interest rates for standard loans. This may not be accepted, but it does give you a starting point to see just what they may be willing to do.
If you plan on building on your land, then having a development plan with an appraised set of blue prints for the project will help the lender in justifying your loan. If you can use equity from other property, then paying substantial down payments may also be an option.
Final words of caution here are to know values and don