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| The Art of House Hunting: 8 Tips to Help in Your Search |
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Written by Michele Dawson
Armed with your down payment and your pre-approved mortgage loan, the next step is finding the house that will best meet your family's needs. With realistic expectations, patience, and plenty of research, you'll be well on your way.
Once you narrow it down to the neighborhoods you like, you'll want to determine the maximum house price you can afford. Even though you're pre-approved for a set loan amount, it doesn't mean you can afford it. You'll want to factor in other expenses, including retirement and college savings, vacations, and home maintenance and repairs, when you calculate how much you can afford for a monthly payment. And don't forget to budget for homeowners insurance and property taxes.
Next, differentiate your needs versus your wants. You need three bedrooms, but a fourth room would be nice for a play room or guest room.
If you would like to read more on this article
click here
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| Putting Condo Myths to Bed |
Written by Lew Sichelman
What do you think of when you hear the word "condominium?" If you're like most people, you'll visualize either a high-rise apartment or a row of low-slung, garden-style walk-ups. And you'll be wrong. Of the nation's nearly 6 million condominiums, only 28 percent are in buildings with five or more units, according to a profile of the nation's nearly 6 million condominiums by the Mortgage Bankers Association. The profile is based on data from the Census Bureau's 2005 American Housing Survey.
Truth be told, the condo market is as varied as it is large, the study found. And because the term condominium refers to a type of ownership rather than a type of dwelling unit, a condo can have any number of characteristics, including tenure, type of structure and location.
Click here
to read more.
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| Attitude |
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"The longer I live, the more I realize the impact of attitude on life. Attitude, to me, is more important than education, than money, than circumstances, than failures, than successes, than what other people think or say or do. It is more important than appearance, giftedness, or skill. It will make or break a company- a home. The remarkable thing is we have a choice every day regarding the attitude we will embrace for the day. We cannot change our past- we cannot change the fact that people will act in a certain way. We cannot change the inevitable. The only thing we can do is play on the one string that we have, and that is our attitude- I am convinced that life is 10% what happens to me and 90% how I react to it. And so it is with you- we are in charge of our attitudes."
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Charles Swindol
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