Can You Buy A Home With Bad Credit In 2010

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Can You Buy A Home With Bad Credit In 2010

The housing market is much different in 2010 than it was years ago. After working in the real estate industry for the past nine years, one of the most common questions I'm asked on a daily basis is if it's still possible to buy a home if you have bad credit.

In this 10-part series, I will be discussing 10 ways to purchase a home if you have credit-related issues.

First, its important for you to know that due to the tighter restrictions mortgage companies and banks have in place these days, traditional types of lending are out. If you've got issues on your credit report, don't expect to be able to walk into your local bank branch and qualify. It probably won't happen.

Method # 1 of 10: Seller Financing

Seller financing (also called "owner financing") can be a very useful tool for those wishing to purchase a home but have credit issues preventing them from utilizing a traditional lender.

In this type of transaction, a buyer negotiates the terms of the sale directly with the owner and then makes monthly payments as agreed. The parties can negotiate the interest rate, the repayment schedule, and several other conditions of the loan. The buyer can also request special conditions of the purchase, such as the inclusion of appliances, furniture, or even vehicles.

In most cases, this type of financing is usually only for a short term, allowing a preset amount of time for the buyer to better his/her financial situation so they can qualify for additional financing later.

Under this type of financing, a balloon payment is commonly due within 1-5 years, giving the buyer plenty of time to arrange for future financing using conventional methods. It is extremely rare to find a seller willing to offer a standard 30 year term in order to pay off the loan.

For example: Tony and Tasha have found the perfect home at the perfect price. They go to Bank of America and apply for a mortgage. Because of long standing credit problems, they are turned down for a mortgage loan. They realize it will likely take 6 months before they will be able to clear up their credit issues.

Because they don't want to take a chance in losing their dream home, they approach the homeowner to see if they would be willing to owner finance the home for them for the first 12 months, giving them plenty of time to get their credit in order and secure a traditional loan at a bank. Once all the terms are agreed upon, they are able to move into their new home, making their monthly payment directly to the homeowner. Eight months later, they refinance the home into their own names. The bank pays the seller for the purchase price of the home and Tony and Tasha continue on with their lives.

Of course there are benefits and downsides to seller financing so this approach should be used with caution, and with the assistance of a knowledgeable real estate professional to guide you.

Even though its possible to buy a home with bad credit, would you really want to? In most cases it's probably better to spend the 3 to 6 months repairing your credit so you can get the best financing, rather than have to deal with higher interest rates. Any credit problem can be removed or improved in less than 6 months, if you know exactly what to do.

In my new book, "Break the Shackles of Bad Credit: 133 Strategies to Fix Your Credit in 2010", I discuss many step-by-step methods of doing this.

But if you insist on purchasing a home with bad credit, be on the lookout for the next installment in this series where I'll be discussing method # 2 of buying a home in this market with bad credit.

Buying Your First Home in Summerville, SC

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Buying Your First Home in Summerville, SC

Summerville, SC is one of the most affordable cities in the Charleston metro area for buying a home. As a result, it attracts many of Charleston's first time home buyers. If you're one of the many home buyers in this category, here are some tips to help make your first home investment successful.

1) Take advantage of the $8,000 tax credit! Eight thousand dollars is a lot of money to most people, but for first time home buyers this amount of savings can really make a difference on a lower scaled budget. The deadline for this is November 30, 2009, so you'll need to close by that date in order to get the credit.

2) Think about resale down the road. Usually the first home you buy is just the first home you buy. You're probably not planning on spending the rest of your life in this home, so it's especially important for first time buyers to choose a home that will have good resale value down the road. Whether you plan on staying in your first home 3 years or 10 years, you'll want to have a home that will appeals to future buyers. Doing this will not only ensure that you can sell your home in the future, but it will also bring a higher price when it comes time to sell. Talk with your Realtor about which Summerville neighborhoods have performed well over the past five years as far as home sales are concerned.

3) Get pre-approved before you go look at homes. Buyers who already have a mortgage may have a good idea about what price range they should be looking in. However, if you're a first time home buyer, there is really no way to determine this unless you talk with a lender. You may get approved for $80K or $150K. And, in Summerville, that's the difference between a condo and a house! It's important to know how much money you'll be approved for before you go look at homes. You don't want to find the perfect house and then find out that you can't actually buy it. Also, many buyers think that they have to use a mortgage lender who is located in the Summerville area. This is not the case. You can use any lender that you trust (and if you're not sure where to start, your Realtor should be able to recommend good lenders for you to contact).

4) Don't overextend yourself! If you currently rent a home, figure out how much you spend every month in the rent and bills. Remember that when you own a home, you're not only responsible for the mortgage payments and regular bills, but also taxes, insurance, and HOA fees. The taxes and insurance will be based on your home value. The HOA completely depends on which neighborhood you choose and the amenities that it offers. The good news is that you'll know all of these amounts before you close on your home. Be sure to talk with your lender about how much you want to spend in your monthly payments and also whether you want taxes and insurance included in that monthly mortgage payment. Also, talk with your Realtor about these costs. He or she can recommend contacts for insurance so that you can shop around and get the best rate. Your Realtor can also get HOA estimates so that you'll know how much a neighborhood costs, so to speak, when you're driving around and comparing these.

Buying A Home With Less Than Perfect Credit

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Buying A Home With Less Than Perfect Credit

Purchasing a home is a large financial commitment. A buyer's credit score will affect their ability to obtain a mortgage. This is especially true when their FICO scores are below 620. What does an individual with a low credit score to do when looking to obtain a mortgage? Below you will find tips on obtaining a mortgage with a low credit rank.

One thing that helps individuals obtain a mortgage even when having a poor credit score is that FICO scores are putting less weight on medical bill collections. Medical bills actually account for more than half of all unpaid collections on consumers' credit reports.

Expectations In Obtaining A Mortgage With A Low Credit Score

Get Ready To Shell Out A Bit More: Individuals looking to acquire a mortgage with less than perfect credit should expect that they will pay more than those with credit scores on margin or better. If you have previously gone through a short sale it is advisable to wait at least two years before trying to obtain a new home loan.

Recognize That You Will Want To Refinance ASAP: A buyer that obtains a mortgage with an imperfect credit ranking should look to refinance in two years. This will give individuals plenty of time to raise their credit score. A mortgage obtained with bad credit is only a short term solution that gets buyers into a home. Never allow bad credit to follow you any longer than it needs to. Refinancing to a lower interest rate as credit scores increase is a way to ensure that doesn't happen.

Speak With A Mortgage Broker Regarding Your Options: There are many options in regards to obtaining a mortgage. A popular option is a thirty year mortgage; this however may not be the best option with a low credit rating. Check with a mortgage broker to look at other options such as an adjustable rate mortgage. This is one way to borrow money for a home loan while helping to repair and maintain a better credit score. Often times an adjustable interest rate is lower than a fixed mortgage rate, at least in the short term.

Seek Out A Co-Signer: If a borrower has other assets, they may be able to secure a better mortgage interest rate when securing a home loan with a co-signer. Check with the Federal Housing Administration about having a co-signer on the loan. When damaged credit is involved it is particularly important to check with HUD, FHA, the FHFA, Fannie Mae and Freddie Mac to help along the way to homeownership even with poor credit.

Bust Through Your Inner Blocks And Receive Total Selling Success

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Bust Through Your Inner Blocks And Receive Total Selling Success

Choosing to shift into being in the business of service rather than selling someone will make all the difference in supporting your ideal clients in easily being able to step forward into working with you to the point where they are thanking you as they give you their credit card number! (Seriously, I see it happen ALL the time. It's 110% possible.)
To create that shift - from SELLING to SERVING you begin by: A) becoming aware of your current Money Mindset B) deciding to use that awareness to transform to a new upleveled Money Mindset for purpose-filled success

Money Mindset Principle: Activate Alignment

Before you can be in alignment you need to check in... are you in or out of alignment? How do you know when you're OUT of alignment? Just check in and see if any of these resonate for you...

At some point you've copied someone else's sales script (you don't even feel connected to it, there are just words on a page). You might find yourself hopping from program to program, not fully taking in any lessons and really not implementing any of it. You might find yourself hardly ever - if ever, let's be honest - setting up sales conversations. You spend a lot of time engaged in questioning and doubt. You spend a lot of time looking for perfection and end up with paralysis. You're marketing without feeling connected. And maybe you tell yourself that you don't need to sell. Your materials look a lot like everybody else's and it feels like a torture chamber in your head. You might find yourself afraid to be different from your parents or your friends or your community. Or you find yourself engaged in a lot of hard work for very little return and you have difficulty hanging on to money, always looking for the next quick fix. And you might feel like you don't deserve it. So just check in... without judgment, simply check in.

What is it for you? Now, most importantly - What can you do about this so you can move into alignment? When you move into alignment with money energy you can be in alignment with your selling conversations .

Shift Into Alignment in Three Simple Steps!

Step 1: The first thing you can do is connect in with your uniqueness - your strengths - and the value in these strengths. Hint: When you connect in with what excites you, you connect in with what you're passionate about. That kicks into motivation,that kicks into action, which equals aligned action and activating alignment!

Step 2: Connect with people who can reflect and hold your value, worth and uniqueness for you. There is no need to go it alone - we are meant to learn from one another and support one another.

Step 3: BE willing to share your strengths and be compensated in return. And how does this impact your sales? Again, I'm sure you can feel it already. Being out of alignment is not a very strong place to have a selling conversation from. You start closing off the ability to receive wealth in the form of inspired ideas which then limits opportunities and limits your ability to generate. It has you operating from fear, and when you're operating from fear, you're using only 4 percent of your creative brain. Being in alignment allows for a full exchange of energy, money and service.

Your Call To Action:

1. Connect to your Uniqueness a. What excites you? b. Where is your passion?

2. BE willing to share your strengths & be compensated a. Set up a prospect meeting as soon as possible (even if you have to start with your pet... get started!)

Heather Dominick is the creator of the EnergyRICH(r) Entrepreneur Success System and EnergyRICHcoach.com, a company devoted to teaching coaches, healing practitioners and creative entrepreneurs how to partner Universal Energetic Principles to make more money in your business so you can better serve the world. Get started with your free EnergyRICH Success CD: http://www.energyrichcoach.com

Bullying Help for Parents and Children

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Bullying Help for Parents and Children

Many parents have the wrong attitude towards bullying. Some think that its mostly harmless teasing that toughens children up and prepares them for the big bad world they will be living in as adults. Unless their child is coming home from school with bruises, cuts, and tears flowing then they probably wont even realize that theres a problem. Some are bullies themselves, and will quite happily ignore any issues, or simply use the dreaded, stand up for yourself command. These are not the correct ways to stamp out or ease any problems.

Studies show that around 50% of children report being bullied with around 15% saying that the bullying occurs on a daily basis. These are staggering and very depressing numbers. There is a therefore a high probability that your child will be confronted with nasty bullying behavior at some point during her schooling.

If you have been through bullying yourself, or if you have experience of dealing with a bullied child, then you will know how much of a negative impact it has on a child. It can destroy a childs confidence and make her physically sick. It can ruin her whole school life, making her feel friendless, unsupported, isolated, depressed, shy, nervous, anxious, scared, and it can rip apart the very essence of her well-being to the point where her health greatly suffers. Harmless teasing that she should deal with? I dont think so!

If your child is unfortunate enough to suffer from being the target of a bully, or bullies, then it is not guaranteed that she will come to you for help and support. Do not assume that because you havent been approached by your child for help that no help is needed. The fear that goes with being bullied is immense, and children often do not seek assistance from anyone. As a responsible parent that loves your child deeply, you therefore need to know what to look out for, to notice the signs and signals that may point to your precious offspring being targeted by bullying types.

Some of the signs to look out for that may be an indication that your child is being bullied are:
- Not enjoying school and looking for ways to avoid attending.
- Bruises, cuts, welts, scratches, rips in clothing with no proper explanation for them.
- Sudden changes in the route to school or avoiding the school bus.
- Being ill on the mornings before school.
- Bed wetting or an unusually poor sleep routine.
- Asks money more often, or starts stealing.
- Seems to dread attending school.
- Her possessions go missing.
- Says she is okay when clearly she is not.
- Becomes withdrawn, anxious, or depressed, and refuses to talk about it.
- Shows signs of becoming a bully herself, especially to her siblings.
- Unwilling to participate in school activities.
- Shows an interest in suicide.
- Her school work deteriorates or grades go down suddenly.
- Has nightmares or cries herself to sleep.
- Her eating suffers doesnt seem hungry.
- Starts skipping school.
- A sudden drop in confidence.
- You notice a difference in the way her peers treat her.
- Has far less friends than you would expect, or misses out on social activities.
- Insists that you take her to school for no obvious reason.
- Shows a big difference in her mood at weekends or holiday times.
- Any sudden changes in personality, habits, or mental state.

Of course, some of these signs will not point to bullying at all and are completely normal in the average childs life, but look out for abrupt changes and a combination of signs. It is essential that you be aware at all times, ready to act if you think that bullying may be the cause of any of these troubles, and communicate with your child about it as soon as possible.

As soon as you know your child is the victim of bullying then talk to her as soon as possible. Be gentle, reassuring, and understanding. Do not try to brush away the problem or make it seem small and insignificant because it is not. Ensure that you tell her that it is not her fault many children feel that they are to blame when they are bullied. Try to discover the depth of the bullying. If its a teasing issue, encourage tried-and-tested methods that might help. Ignoring the bully, walking away, or using humor to deflect the bullying, is sometimes the perfect solution.

If you need to contact your childs school for help then write down what is happening, who is doing it, and when it is occurring. You child may not want you to intervene, so explain that the school is used to dealing with bullying and most bullying situations need adults to intervene to stop them. As you begin to tackle the bullying be sure to keep an ongoing record of every step taken and everything that your child tells you is happening. Be as accurate as you possibly can because bullies can be extremely good at denying and twisting the truth to support their actions.

Seek the help of your childs teacher at first to form a plan of action to stop the problem. Your childs school should have an anti-bullying strategy or trained anti-bullying staff.
Do not attempt to confront the bully yourself, or the family of the bully. Your emotions are almost certain to be running very high in defense of your child, and its likely that you will make the problem worse. Do not seek revenge just focus on stopping the bullying.

Schools have anti-bullying policies in place and these are usually very effective. As soon as it is necessary, your childs school will contact parents of the bully and explain the consequences of continued harassment. If the problem persists then these consequences should be enforced immediately.

By learning what to look for, spotting the signs from your child and talking to her, understanding the problem and being sympathetic, and acting in the appropriate way, you should be able to put an end to a thoroughly miserable part of your childs life.

Click here to ease your worry by finding real solutions to your parenting issues. Gary Thomas is a father of five who assists parents with the problems that often come with raising children. Get more tips for successful parenting at http://parentingadvicepages.com/.

Bizarre Cleaning Approaches Nobody Ever Told You About

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Bizarre Cleaning Approaches Nobody Ever Told You About

Its a common fact that most people don't like that moment when they have to clean their place up. Not that they dont take pleasure in it. The whole process just takes way too much time they could otherwise spend elsewhere.

Of course, some people love cleaning, others have chosen it to be their job. But we can all agree on one thing - we love the scent of freshness in the air and the look of our flashy windows. It also makes us feel more productive because it really takes big amounts of energy and willpower to perform a task of such magnitude.

Let us now take a look and discuss some of the unusual approaches to house cleaning, sources of inspiration, guides and more. Some of them are gaining popularity slowly over time, while others still count as underground.

Guides

When you dont know how to do something you usually ask a friend or a professional to give you a hint or two. But in present days where the Internet has become probably the most widespread way of communication, you can find what you are looking for there, in a matter of seconds. And if you still dont agree with this statement, get your smartphone and search for an on-demand cleaning app in the area you reside in. Yes, people create such apps and they are becoming more popular with each day.

This is what you can do with the use of the web:

1. Read articles that guide you through natural or lesser known cleaning methods.

Have you ever heard the phrase you can find everything in google before? Well, that is true. Every single day people share enormous amounts of information on any subject you can think of. All you have to do is to type your query in the search engine and you will get all the guidance you need. This explains how you got here in the first place.

2. Watch a tutorial video on youtube

Video sharing sites are popular too when it comes to tuition. They are even better than articles because you can actually see how to do stuff in the process of making.

3. Ask directly

There are sites like Yahoo answers or Quora that provide a fast response to all your questions, written from people to people.

The Out of the Ordinary Approaches to Cleaning

Below you will find a list of some of the most unusual yet best ways to clean furniture, appliances, clothes and other.

1. Freeze your jeans

As ridiculous as this may sound, it works. It looks like this method simulates the cleaning process well enough for you to rely on it. Just be sure to save space for food too, or the other way around.

2. Clean air vents

Clean your vents well and apply car wax on the in- and outsides. This way dust will stick to them instead of being stuck and hard to remove.

3. Mirrors

Use air-fresheners to clean your mirrors and leave a nice fresh smell while on them. It does the job perfectly. Otherwise, newspapers work too, absent the smell.

4. Kill moss from your roof

If you sprinkle some powdered laundry detergent on your roof it will kill moss and wash it away when the next rain falls. A smart one.

5. Sponges and cutting boards

This sounds simple but have you ever thought of doing it before? To kill bacteria on sponges and cutting boards, put them in the microwave for three minutes. Do this every once in a while to make your kitchen a safer place.

6. Use vodka to clean mold away

Pour some vodka in a spray bottle you are about to throw away. Apply on the infected spot, wait for about fifteen minutes and scrub it away with a toothbrush.

7. Black tea

Theres an alternative use of this divine drink. You can clean wooden floors and furniture with it and bring their true color to life once more.

8. Ketchup and mayonnaise

These two are not only used to give a flavor to your food. They have other useful uses. For example, with ketchup, you can remove tarnish from copper and brass cookware. Squeeze some on a cloth and rub it on a pan. Rinse it with warm water, dry it out and see the magic.

Mayonnaise, on the other hand, helps remove crayon marks from wooden surfaces and makes your house plant leaves shine.

9. Beer

It appears not only people love beer. Slugs, snails and fruit flies are also drawn by its aroma. If you use this to your advantage, you can drown them by pouring beer in a jar or a plate and save your garden.

10. Bread

With fresh white bread, you can remove fingerprints from walls and dust from oil paintings.

11. Rubber glove

Put on a damp rubber glove used for dishwashing and run your hand over hair covered upholstery.

12. Baby oil

This is another way to shine your wooden furniture. You know what to do.

What about you? Do you have any other unusually strange cleaning methods in and around the house?

Birthday Party Ideas Lazer Tag, Rock Climbing, Bowling and Arcade at a Family Fun Center

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Birthday Party Ideas Lazer Tag, Rock Climbing, Bowling and Arcade at a Family Fun Center

Are you planning a birthday party? Sometimes it's difficult to come up with fun birthday party ideas. The last thing you would want a party to be is boring. Whether you are planning a children's party, an older kid's birthday party or birthday parties for adults, you will definitely get an enthusiastic response if you include Lazer Tag, rock climbing, bowling and arcade at a Family Fun Center.

Xtreme Adventures Family Fun Center offers all these activities under one roof, along with the Xtreme Caf. Just imagine how the birthday will go. You need not decorate the venue. You need not prepare the food. You only have to choose from the sumptuous menu based on your budget. And the fun part of the party is guaranteed.

Lazer Tag will definitely be the highlight of the party. Lazer Tag, also called Laser Tag and Laser Quest, is like a high tech version of the traditional cops and robbers or cowboys and Indians game. In Lazer Tag, the players wield high tech hand-held devices which emit infrared beams. They also wear infrared-sensitive targets. Each player's goal is to tag the other players while avoiding being tagged. The game is, therefore, a balance of offense and defense and can be played by practically all ages. There are no physical projectiles that could hurt upon hitting, as in the case of paintball. Force is not necessary and physical strengthe is not a requirement. Mind and body coordination, dexterity and tactical skills are winning combinations, though. They are also further developed by the game.

At Xtreme Adventures Family Fun Center, Lazer Tag is played in a huge state of the art two level arena that measures 6000 square feet. Considered the first of its kind in Tampa Bay, the playing arena is made up of ancient chambers, snaking passageways and deep jungle through which the players do battle. The setting makes the Lazer Tag game much more exciting. Players can play as individuals or in teams.

Xtreme Adventures Family Fun Center still has another version of the Lazer Tag game. This is called Lazer Frenzy. In Lazer Frenzy, players have to navigate a Lazer Maze with crisscrossing multi-colored laser beams. Each time a player breaks a beam, an alarm buzzer is triggered and points are deducted from the erring player. The object of the game is to reach the end of the maze at the shortest time with the least buzzer alarms. Loud pounding music and a floating haze throughout the maze pumps up the adrenalin of players who can play as individuals or in teams.

Also exciting is the rock climbing activity at Xtreme Adventures Family Fun Center. This is for those who seek even more physical challenges. Rock climbing is not just fun. It is good exercise, too.

On the other hand, those who have a more laid back taste for fun might enjoy the bowling alleys of Xtreme Adventures Family Fun Center instead. Bowling is a game that even senior citizens can safely play.

Of course, the Xtreme Adventures Family Fun Center arcade will definitely not be passed up by kids and teens. Even adults often cannot resist feeling young again with the various challenges available there.

The birthday parties you set at Xtreme Adventures Family Fun Center will not only surely be fun filled but can also strengthen the bonds among those who gather for the celebration. In fact, many companies choose the same venue and activities for their corporate team building programs. It is also a favourite place of many Youth Ministry Groups because of its wholesome atmosphere.

So the next time you run out of birthday party ideas, consider Lazer Tag, rock climbing, bowling and arcade at the Xtreme Adventures Family Fun Center

Xtreme Adventures
24810 State Road 54
Lutz, FL 33559
Phone: (813) 949-3866
Fax: (813) 949-3875
Email: leila.xtreme@gmail.com
Website: www.xtremeadventures4fun.com