June 2013

Found 6 blog entries for June 2013.

Even though mortgage rates have taken a sharp upward turn in the last few weeks rates are still low by historical standards. However, a high-risk borrower could find themselves approved for an interest rate that is one to two percentage points higher than the national average. To qualify for the lowest rate lenders need to see you as a low-risk applicant. There are several things to consider when determining what risk a lender may determine for you.

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Most people are aware that your credit score is the first thing a lender will look at; the higher the score the lower the interest rate. Credit scores run from 300-850. To qualify for the lowest rates you will need to have a credit score of 740 and higher. But even if you have a high credit score your

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If you're a gardening enthusiast, you might be surprised to know that you can't always take your plants with you when you move. If you're planning to put your home up for sale, a little advance planning is needed in order to ensure you won't have to start over from scratch at your new residence.

Before placing your home on the market, take inventory of the plants in your garden and decide what you might be able to keep. Small specimens of shrubs and flowers could easily be transplanted into containers so they can be removed before the new owner takes possession. Once you've determined what's salvagable, make sure you have adequate containers on hand to place these plants in after you dig them up.

It can be helpful to have an inventory of your

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The Federal Housing Administration (FHA) is the nation's largest provider of mortgage insurance for low down payment loans. This government program is making some critical changes that could cost borrowers thousands of dollars over the course of their loans. The FHA is now requiring borrowers who use their insurance to pay premiums for the entire life of their loan. How can this change affect you?

mortgage and money

 FHA's Role

Typically, if a borrower is not able to put down at least 20 percent of the home's purchase price, lenders require them to pay mortgage insurance for the first few years of their mortgage. Once their principal balance drops below 80 percent of the home value, borrowers are usually able to cancel mortgage insurance. In fact, private

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If you have been thinking about making Alaska your home, perhaps you are under the impression that this will mean an end to your family garden.  But, do not despair, many generations of Alaska residents have been successfully providing a harvest for the family table.  Their experience can help you have a thriving cold-climate garden too. 

decorative garden architecture

Some things to consider when planning your garden would include making space for a small greenhouse and learning all about raised-bed gardening. Traditional gardening is also possible with certain plants, especially those transplanted from seedlings grown indoors.  Hydroponics and grow lights are another way to extend the short Alaska growing season.

There are very good reasons to make an effort to raise some

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Let's face it, finding the right vacation home can be a huge hassle.  You have to look at all of your options to ensure that nothing slips through your fingers and that you do not pay too much for something you may not use on a constant basis.  This is why looking at the foreclosures in Anchorage, Alaska may be your best bet.

 Travel rest from work.

If you are an outdoorsy person that loves to go out into the woods and spend the day hiking or exploring, Anchorage could be right up your alley.  The city has plenty of great wooded areas as well as a fun and upbeat nightlife that will have younger people raring to go out while in town.  There are a plethora of things to do in the city that will be fun for people young and old.

Achorage also offers a wide variety of homes

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There was a story posted recently on the Yahoo Contributor Network by an individual who explained how he and his family had paid off their $156,780, 30 year mortgage in less than five years from the day they purchased the home. Click here if you'd like to read their entire story.

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Do you think you could do the same? Should you?

Could You?

If you read the entire story, you'll see the steps this family took to pay off their mortgage early. The one common theme you'll notice is that what they did was not extraordinary. They simply looked for ways to make their existing income go farther, and they implemented those ideas. I'm sure anyone could find ways to stretch their existing income farther. In fact, many of the things this family did are

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