It’s true – your previous mortgage isn’t a lenders top priority. Lenders make money off of you not paying down your mortgage – having paid down your previous mortgage can actually hurt you! This is a key reason you should be using an experienced real estate agent.
Fall in love with one of this years fall color trends – Back-To-Nature Green! Deep greens are effortlessly elegant. Consider investing in an upholstered green piece. An armchair or sofa would be stunning in a deep green! #designtips
Affordability is your ability to repay debt. You need to be able to show sustained and stable income either by pay slips/IR3 if employed OR financial statements if self employed.
They will also look at all of your accounts and general cost of living. All store cards,credit cards, laybys, oxipay,afterpays, personal loans are taken into account. If you do have short term debt we an often help consolidate this debt.
Like this video if you think this is fast for Credit repair we were able to remove 89% of Lashona‘s negative accounts including her student loans in charge of accounts.
Feel free to visit our website at www.pinnaclecreditmanagement.com
If you need credit repair or know someone that needs credit repair fast call her office at 858-252-6053 ask for Andre .
FOR SALE: 17 Tabernacle in Calera, OK
Built in a gated community with a spacious floor plan, vaulted ceilings in the living area, wood accents, beautiful granite counter tops in kitchen and bathrooms, and hardwood throughout. Plus, You are just minutes from the heart of Durant OK and Choctaw Casino. You get lots of space in this 2400 sq ft 4 bedroom 2.5 bath for only $299000
Below is a list of 𝗧𝗵𝗶𝗻𝗴𝘀 𝗬𝗼𝘂 𝗦𝗵𝗼𝘂𝗹𝗱𝗻’𝘁 𝗗𝗼 𝗔𝗳𝘁𝗲𝗿 𝗔𝗽𝗽𝗹𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲. Some may seem obvious, but some may not.
1. 𝗗𝗼𝗻’𝘁 𝗖𝗵𝗮𝗻𝗴𝗲 𝗝𝗼𝗯𝘀 𝗼𝗿 𝘁𝗵𝗲 𝗪𝗮𝘆 𝗬𝗼𝘂 𝗔𝗿𝗲 𝗣𝗮𝗶𝗱 𝗮𝘁 𝗬𝗼𝘂𝗿 𝗝𝗼𝗯. Your loan officer must be able to track the source and amount of your annual income.
2. 𝗗𝗼𝗻’𝘁 𝗗𝗲𝗽𝗼𝘀𝗶𝘁 𝗖𝗮𝘀𝗵 𝗶𝗻𝘁𝗼 𝗬𝗼𝘂𝗿 𝗕𝗮𝗻𝗸 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝘀. Lenders need to source your money, and cash is not really traceable.
3. 𝗗𝗼𝗻’𝘁 𝗠𝗮𝗸𝗲 𝗔𝗻𝘆 𝗟𝗮𝗿𝗴𝗲 𝗣𝘂𝗿𝗰𝗵𝗮𝘀𝗲𝘀 𝗟𝗶𝗸𝗲 𝗮 𝗡𝗲𝘄 𝗖𝗮𝗿 𝗼𝗿 𝗙𝘂𝗿𝗻𝗶𝘁𝘂𝗿𝗲 𝗳𝗼𝗿 𝗬𝗼𝘂𝗿 𝗡𝗲𝘄 𝗛𝗼𝗺𝗲. New debt comes with it, including new monthly obligations. New obligations create new qualifications. People with new debt have higher debt to income ratios…higher ratios make for riskier loans…and sometimes qualified borrowers no longer qualify.
4. 𝗗𝗼𝗻’𝘁 𝗖𝗼-𝗦𝗶𝗴𝗻 𝗢𝘁𝗵𝗲𝗿 𝗟𝗼𝗮𝗻𝘀 𝗳𝗼𝗿 𝗔𝗻𝘆𝗼𝗻𝗲. When you co-sign, you are obligated. Even if you swear you will not be the one making the payments, your lender will have to count the payments against you.
5. 𝗗𝗼𝗻’𝘁 𝗖𝗵𝗮𝗻𝗴𝗲 𝗕𝗮𝗻𝗸 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝘀.Remember, lenders need to source and track assets. That task is significantly easier when there’s consistency among your accounts.
6. 𝗗𝗼𝗻’𝘁 𝗔𝗽𝗽𝗹𝘆 𝗳𝗼𝗿 𝗡𝗲𝘄 𝗖𝗿𝗲𝗱𝗶𝘁. It doesn’t matter whether it’s a new credit card or a new car. When you have your credit report run by organizations in multiple financial channels, your FICO® score will be affected. Lower credit scores can determine your interest rate and maybe even your eligibility for approval.
7. 𝗗𝗼𝗻’𝘁 𝗖𝗹𝗼𝘀𝗲 𝗔𝗻𝘆 𝗖𝗿𝗲𝗱𝗶𝘁 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝘀. Many clients erroneously believe that having less available credit makes them less risky and more likely to be approved. Wrong. A major component of your score is your length and depth of credit history (as opposed to just your payment history) and your total usage of credit as a percentage of available credit. Closing accounts has a negative impact on both of those determinants in your score.
Have you taken the Enneagram Test?
I took the free one for now; Link in my bio😉
Loyalists are responsible, trustworthy, and value loyalty to family, friends, groups, and causes. Their personalities range broadly from reserved and timid to outspoken and confrontative.
How to Get Along with Me
Be direct and clear.
Listen to me carefully.
Don't judge me for my anxiety.
Work things through with me.
Reassure me that everything is OK between us.
Laugh and make jokes with me.
Gently push me toward new experiences.
Try not to overreact to my overreacting.
What I Like About Being a Six
Being committed and faithful to family and friends.
Being responsible and hardworking.
Being compassionate toward others.
Having intellect and wit.
Being a nonconformist.
Confronting danger bravely.
Being direct and assertive.
What's Hard About Being a Six
The constant push and pull involved in trying to make up my mind.
Procrastinating because of fear of failure; having little confidence in myself.
Fearing being abandoned or taken advantage of.
Exhausting myself by worrying and scanning for danger.
Wishing I had a rule book at work so I could do everything right.
Being too critical of myself when I haven't lived up to my expectations. #enneagram
Imagine not having to worry about your wealth? With knowledge comes power. Learning more about how to manage your money effectively can make the world of difference on your lifestyle. Register your interest at #mybigmoneygoal (link in bio)
Price reduced!! Now just $429,000! LOVE to golf? Want to enjoy Life in High River? Then 604 High View Gate is a perfect space for you! ⛳️🌾🌤 Golf course living! This massive 2 storey, on a quiet street, in a quiet neighborhood, backing directly onto the High River Golf Course - is ready to move into. The main floor features a front living room perfect for those big family gatherings, a rear family room with a fire place and golf course views, a large kitchen with tons of counter space, boot room, bathroom, laundry room and furnace room. Don't forget the massive deck out back just a few yards away from #1 green. Up the stairs to 2 massive bedrooms, main bathroom and the master bedroom with huge 4 piece en suite bathroom. The professionally finished basement with oversized has living & recreation areas, a small den. Yard is fully irrigated!
Let’s go take a look! 🏡🔑
Gift cards for your referrals. Refer someone who successfully buys or sells a home with us and receive free gift cards. We look to help those who help us. Contact me for more details about referring someone to buy/sell a home. We would love to assist.
Neighbors of Hope Now Realty - Rancho Cucamonga
🚨JUST LISTED 🚨 📍'Vantage' 2013/21 Ross Street, Benowa
2 🛌 2 🛀 2 🚗
Asking Price: $535,000
Contemporary Village Living - Central Location - Vacant ⏰Open home Saturday & Sunday 9:30 - 10:00am or anytime by appointment.
Click below for additional information 👇
https://www.remaxpropertycentre.com.au/5048625/ ☎️ Alex Wohler 0490 320 818
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1 41 hour ago
The difference between personal and business credit! .
If you have a business contact Leap21 to build your business credit! .
If you want to start a business...this should be included in your business startup! .
Click link in bio to make an appointment
In October, there will be a new set of rules for FHA loans used to finance condo purchases. This is good news for buyers who have smaller budgets and live in more urban areas with a high volume of condos to choose from. By relaxing some previous building qualification standards, the new rules could make it much easier for FHA loan candidates to buy condos.
Learn more in our latest blog post via link in bio @directorsmortgage
ACE Divino is a residential project, it is located in Greater Noida. It offers spacious and skillfully designed 2BHK and 3BHK apartments. The project is well equipped with all the basic amenities to facilitate the needs of the residents. The site is in close proximity to various civic utilities.
ACE Divino Highlights:
Pay 10% now & nothing till offer of possession
Home starting at Rs.33.30 lakhs
4 Acres of greens
Dancing fountain/ Zen Gardens
Skywalk on top floor
RERA Registration No: UPRERAPRJ6734
A home that has all the best qualities🤩💫
📍3391 Pinestream Rd | 5🛏,5🛁| Listed by: Robbie Jackson | Click on link in bio for more info📲
Charming traditional family home beautifully renovated with open floor plan. Light filled sunroom opens to kitchen/keeping room and deck overlooking pool. • #dorseyalston#luxurylisting#luxury#dreamhome#instalove#photooftheday
I think the popular "rent vs buy" debate ignores the much bigger question: How MUCH should you spend on your primary residence.
I did a "buy vs buy" study, looking at representative home buyers 30 years ago in 1989. Morgan and Hannah have the exact same starting cash and income and differ only in how much home they bought. Their net worth varied dramatically after 30 years!
You often hear that your primary home is an investment. That’s true, but it’s more akin to a forced savings account with a negative return. Over the 30 years each of my friends owned their homes they both paid in 1.5X the home’s final worth in total payments. So while they were paying down the principal on that loan, the net result after expenses was effectively a savings account paying -1.5% interest per year. That doesn’t mean buying is bad. Your primary residence is an expense however you live. But don’t fall into the trap of believing a bigger home is a better investment.
The impact is even bigger if you're trying to FI/RE. Hannah's net worth was over 2.5X that of Morgan's but her invested assets ended up 4.6X higher. Compounding the problem even more Hannah's living expenses were lower. That means Hannah hit her FI/RE number years ago and Morgan still can't retire on 4% of her investments.
If you want to dive deeper into this, I wrote a whole blog post on it and even linked to the exact spreadsheet I used with all the numbers and references. You can find it on my site at personalfinanceclub.com (link in bio).
As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.
172 1,78511 September, 2019
Penthouse Vibez🏙 -
After Executing What I Teach You From My Wholesaling Event Sep 27th 😏
Would You Rather Have A Mansion Or A Penthouse & Why❓
231 1,31312 September, 2019
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