No Down Payment Home Loans

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Didn’t know there was no down payment loan programs that allowed home buyers to get in with literally $0.00. Looks like this is the greatest time to buy a home.


1. Interest Rates are historically low

2. Home prices are low compared to 2005 levels.

3. No out pocket to buyer

Never thought in today’s real estate market would we ever see No down payment home loan programs.   A new down payment assistance program. This program opens the door for those future home owners sitting on the fence.
Most real estate buyers in this program could qualify for $0.00 down payment and $0.00 closing costs with the right real estate specialist.  Literally buying a home with no money out of pocket.
If you don’t have enough for a sizable down payment or just want to save enough money to buy your ideal home appliances then this new No down payment home loan program could be for you.The Benefits of a No Down Payment Program
Even you if have saved a little next egg, there could are many sound reasons why a no down payment option would make sense.

5% of the sales price towards down payment and closing costs

Helps keep your assets where they are, in other investments and/or expenses

Free up some cash for other home buying expenses, such as moving expenses, new furniture, and other costs.

Lets you buy right away and start turning rent payments into potential home equityHow to Qualify for this No Down Payment Home Loan Program

Income limit per household is $90,000,  If US Military, there is no income limit

Cannot have any ownership interest in any other Mortgage/Deed/Warranty Deed

Qualify for FHA, VA, USDA loan with a 640 FICO score or higher

The Debt-to-income ratio can’t be higher than 45%, No Exceptions!

Owner Occupied Only

Not for refinance, Purchases only.Examples of this No Down Payment Program:
Loan Amount                     Down Payment / Closing Cost (5%)

$300,000                             $15,000 Gift

$220,000                              $11,000 Gift

$185,000                               $9,250 Gift

Not Purchase Limits!

Didn’t know there was no down payment loan programs that allowed home buyers to get in with literally $0.00. Looks like this is the greatest time to buy a home. Why? 1. Interest Rates are historically low 2. Home prices are low compared levels. 3. No out pocket to buyer, Wow!

Buyer Tips Real Estate Services

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Congratulations, on making the decision to buy your new home.  You’re probably flying high with anticipation and exhilaration about now, and energized over the prospect of locating your dream home.  And then, you take your first tentative steps initial excitement dissolves into fear; hopes into frustrations or maybe just shear panic ensues as you investigate your options.
You’ve explored the internet until your eyes have glazed over with the massive amount of information and choices.  You’ve met with Realtors who’ve all promised you they can locate that perfect home in your price range but they continue to show you everything but.  You’ve toured a slew of homes that appeared promising only to find out they were either dumps or would break your bank account.   You’ve spoken to lenders who’ve asked for every little piece of financial and family information under the sun and still demand more.  You’ve been asked to sign this document and that document until you’ve lost track of what you’ve signed.  And through it all, you’re no closer to moving into your new home than the day you made the decision to buy.
Everyone including the friend who just bought their house tells you that’s the way it is when you buy or sell real estate – it’s a challenge or nightmare you must endure, like scaling Mt. Everest.  It is a physically and mentally demanding process that will hopefully turn into success and a sense of accomplishment when you reach the summit or end up in failure or defeat when you determine that buying your dream home is out of reach.
The truth is that there is a better way.  There are significant actions you can take to make the buying process smooth, worry-free and maybe even surprisingly enjoyable (alright maybe enjoyable might be a stretch for some).  Yet, there are several ways to make the home buying process less daunting.
The most obvious and yet often overlooked critical first step to a better buying experience is to hire a knowledgeable and professional Realtor as a Buyer’s Agent to represent you exclusively in the buying process.  A Buyer’s Agent is bound by a legal contract between you and the agent to do everything possible to represent and protect your interests exclusively. Only with a Buyer’s Agent can you be assured of getting the best service and counseling throughout the buying process.I know, I know . . . you may have had a less than desirable experience with a real estate agent or two in the past and can’t begin to contemplate the idea of being obligated to one, let alone signing a contract with them.  But let’s remember “not to throw out the baby with the bath water.”

 Let’s be practical for a moment.  Many of us have had a bad experience with a doctor or two, but if you had a complicated and life threatening medical condition, would you ever consider treating yourself instead of seeking out the best qualified medical doctor in that field? In spite of the distain we often have for lawyers and the fact that they are the butt of many of our jokes — if you were being sued for thousands or millions of dollars, would you ever consider defending yourself instead of hiring a top notch litigating attorney with a proven track record.
I’m going to assume the answer would be “No.”  So it begs the question – why would you consider purchasing your own home without ensuring you had the best representation from the start.  Let’s just to take a brief reality check – buying a home is a very complicated, expensive, long and drawn out endeavor that is often fraught with peril.  No one wants to make the mistake of buying a “bad” or “wrong” home.  For most, the purchase of their home is their largest financial investment and the risk of making the “wrong” choice can end with loosing not only your initial investment in the home, but the house itself.
I believe the real reason why some buyers often mistakenly skip the critical first step of hiring a Buyer’s agent to represent them in the purchase of their home boils down to two simple reasons:

1) not knowing the benefits of hiring a Buyer’s Agent to represent their interests exclusively and

2) the misinformed belief that all real estate agents are made equal.
Unless you hire an exclusive buyer’s agent, the agent you engage has a legal responsibility to the seller not to you, even though that agent supposedly is negotiating on your behalf.  This means that unless the sellers give their permission, the Realtor is not allowed to disclose personal information or Seller confidences that might give you an edge – for example, revealing that the sellers are in the midst of an ugly divorce and that the Sellers will take a much lower price just to sell the home quickly or that a relocating Seller will entertain a substantially lower price in order to avoid having to pay two mortgages.

And conversely, a Buyer’s Agent is legally bound not to disclose to the Seller any confidential information about you.  And lastly,  the most significant and probably the least realized advantage to using a buyer’s agent is that they routinely show homes that are for sale “by owner” “by builder,” or “homes not listed on the MLS” which by the way seller’s agents often neglect to do.
Just as there are a few “bad” attorneys, and a few “bad” doctors, the real estate industry is no different.  You will discover that finding a good real estate agent to represent you and having the confidence of knowing your Buyer’s agent is good is truly half the Battle.  Remember, not all real estate agents are alike.
The first step toward having the confidence of knowing you’ve hired the best Buyer’s Agent is to interview a list of prospective real estate agents and have a set of pre-determined criteria rather than selecting an agent by happenstance.  For instance, selecting the services of the first Realtor you speak to; or choosing a friend, or a friend of a friend with a real estate license; or hiring the listing agent representing the sale of a home you are considering purchasing, is not a good way to vet their credentials.
Let’s be honest here, you wouldn’t think of hiring the CEO of your company without interviewing several candidates and gathering information on their educational background, professional experience and business acumen.  There is certainly no reason to do anything less for someone who is going to assist you in the purchase of one of your largest financial assets — your new home.

When you meet with each of these prospective Buyer’s Agents, you should keep in mind that there is more to being a skilled buyer’s agent than being a glorified chauffeur with a real estate license; you should look for a real estate agent who can effectively save you time, money and remove the stress out of the home buying process.

A Good Buyer’s Agent Will Save You Time! A good Buyer’s Agent is first and foremost a good listener.  They will help you save valuable time locating the right home for you and your family by first inquiring and learning more about your specific real estate needs.  A good Buyer’s Agent will go beyond the basics of size and style of a home and will ask you about your needs and assist you in prioritizing the elements you most desire in a house — your “must-haves” versus your “wants” or “wish” list.

They will help you delve into the specifics of your new home and ensure it is compatible with your current lifestyle and future needs.  They will have a general knowledge of the real estate market, so your expectations will be realistic. They will assist you in identifying neighborhoods that suit both your lifestyle and budget by providing you valuable information about schools, traffic, public services, shopping, and real estate value trends.  And lastly, they will outline a process to help you locate the right home in a manner tailored to your specific needs and time frame.
Here is an important tip to keep in mind, if the agent does all the talking and very little listening, they are not going to have an understanding of your goals and what you want to accomplish.  Or worse yet, if they rush to show you houses without first discovering what’s important to you, this agent will likely waste your valuable time showing you properties that have no semblance to what you want or need.

Remember, it doesn’t take competency to drive you around looking at hundreds of homes many of which you can’t afford or aren’t what you are looking for – a taxi cab driver has the skills do this.  You want a Buyer’s Agent that has a proven process to quickly and effectively locate the right home for you and this process should be customized to your specific needs.

A Good Buyer’s Agent Will Save You Money. Here is where the real value of a Buyer’s Agent can come to light (or as they say, “the rubber meets the road”).  Having a Buyer’s Agent to assist you with locating and determining the right home from the onsite is of paramount importance to your ability to save money.  I’m sure you’ve heard the old adage, “Knowledge is King.”

Having a good Buyer’s Agent assist you in knowing what you want and what you should buy and the right price to pay for it is the key.Here is an important tip for you to remember, the time when you make money on your home is when you buy it, not when you sell it. This is particularly true if your timeline for owning the home is relatively short. A good Buyer’s Agent will provide you with market data on value and appreciation trends, information on neighborhood desirability and home feature and design trends that will help you determine the homes current and future desirability.

They will obtain the tax records that will give you the price the Seller paid for the house and when the Seller bought it.  They will compare the current price of that specific home with the selling price of similar homes that sold in the neighborhood and provide you with an informed opinion of that homes real value.  They should be conversant regarding different financial options and be able to refer you to lenders who will help you obtain the best loan with favorable rates and terms based on your circumstances.  They will ensure that you are pre-approved for financing up front so that you will know exactly how much you can afford and how much of an initial investment you will be required to make before you submit an offer.  And, they will utilize your pre-approved status to put you in the strongest possible negotiating position with the home seller.
Last but most importantly, a Buyer’s Agent should have the knowledge and skills to expertly negotiate the best price for you.  Here is an important tip to remember, if the Buyer’s agent who represents your interest is willing to “flip flop” on their compensation, they are going to “flip flop” when it comes to negotiating on your behalf.  You want to choose a real estate agent who is able to communicate their value and hold firm on their compensation fee.  It goes to reason that a Buyer’s agent who is able to effectively communicate their value to you is going to be effective in negotiating the best price and terms for you.

A Good Buyer’s Agent Will Minimize and Often Remove the Stress Related to the Home Buying Process. Buying a home is not as simple as going out and buying a television or car  — it is a complex real estate transaction that involves a whole array of matters including appraisals, financing, legal, physical condition, construction, insurance, title, deadlines, disclosures and most importantly closing.  Navigating all of these issues requires having systems and a well-proven strategy.  There are a whole gamut of ways to do things and only one that is best.  This is especially true in a real estate transaction.

You should run screaming the other way, if your real estate agent has a “fly-by-the-seat-of-your-pants” method of handling a transaction.   A real estate agent without a proactive step-by-step process in place will ensure that your home purchase will be rife with problems from start to finish.  You will be doomed to miss important deadlines, fail to perform vital inspections, skim over essential disclosures documents and mistakenly sign away potential legal rights.
On the other hand, a good Buyer’s Agent will have a spelled out plan to help you navigate each part of the home buying process and will discuss it with you at your initial meeting.  They will introduce you to systems and support personnel who will ensure your transaction stays on track and will have well established policies to handle issues when and if they should arise.  With a well laid out plan of action and a prescribed method for following it, your Buyer’s Agent will help you find, purchase and move into your new home faster and cheaper.
To know how Lynette Williams and her team can help you save time, money and stress in your home purchase, please check out the Buyers Advantage Program for details.



Tree Modern Home Design with Tree

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Not all the trends of architecture make us shudder with pleasure, but the preservation of nature in the construction of contemporary houses is something that we encourage deeply. Completed recently the residence architecture perfectly preserves a beautiful and mature rubber tree lemon-scented. The project consisted of a renewal of a period House, complete with a highly modern extension. This addition is light physically, in order to protect the tree and offers a point of intentional difference to the strength of the existing sandstone House.




According to the architects, the outdoor covered spaces are literally built around the tree, encapsulating and framing the trunk. Wood-clad columns become a background and a fine line of glass opens to the side yard densely planted for continuous access to the natural environment within the interior spaces. And here is where it gets interesting, since the top level are the branches of the tree that floats above the structure of the Fund to provide a unique setting overlooking . The ceiling is treated in stone, giving it a Bohemian look, especially when this covered with fallen leaves.


Materials for kitchen Decoration


As with the ingredients of a recipe, the materials that make up the interior of a kitchen are relevant to the style of this decoration. The sight and touch of these make “recipe ingredients” of the decor, and we can create a more or less friendly, modern kitchen and lively depending.


Small Apartment Decoration for Teenager


Now we will see an example Small Apartment Decoration for Teenager. Simple ideas for small spaces. We are in a house. It is a small apartment of 40 square meters nothing. What stands out most is the young design, as it is intended for a young girl.


Bedroom Color Decorating Ideas


Bedroom is one of the most important rooms in the house and color plays a vital role in the decoration of these environments. Rest, peace, inspiration and many other moods depending on the color you choose for the walls. Knowing the importance of color on the walls in the rooms.  Likewise to Native Integration & Automation  tips for picking colors.

Tips On Selecting Exterior Colors happily Often, when you take a walk outside, you see a house, and shocked, “Wow! What is happening to that house?” Colors can evoke reactions tacitly, especially when it comes to the exterior of the house. Colors represent your personal desires, and convenient viewing for the public. It serves to make first impression.

Real Estate Investing for dummies

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Real Estate Investments: The Facts

Interested in making a real estate investment, but don’t know how to begin? You might have heard of people earning six-figure incomes by buying and selling homes. If you’re interested in growing your income without taking more hours at work, this can be a great option. Continue ahead for solid tips from real estate pro michael chu’di ejekam!

Avoid purchasing property before having a property inspector come and take a look at it. Sellers may even cover the inspection costs, but always choose an independent inspector. Make sure your report is neutral.

Learning The Business

Put in the time to learn the business as much as you do practicing it. You may want to spend some extra time on learning how to become a good investor, especially if this is something you plan on making money with. Get rid of your poker night, for instance, so you can learn more about investing.

When you are re-strategizing, know what your sunk costs are in addition to the price of the house. You will have closing costs, staging fees and legal fees, along with other costs depending on the property. These items should be included in the negotiation process.

Investing in Real Estate

When you want to invest in industrial properties or retail, think over a couple of things first. First, don’t pay too much for the land. Do not spend too much money on the business either. Take independent looks at the value of the physical property as-is, as well as what kind of rental income you can expect from the business. You must make sure that both of the answers are good enough to make a final purchase worth your while.

When thinking of getting a property to invest in, you should get something you know will go up in value. Purchasing anything near water or close to other businesses will be beneficial to you later on. Be sure to consider the long-term price of the property when choosing which properties to invest in.

When buying a rental property, make certain the rent you charge is going to cover the mortgage in its entirety. This allows you to feel confident about owning the property. Nothing is worse than having to come up with money out of your pocket for the monthly rent because your renter’s monthly payment doesn’t cover it.

Spending Money

Become educated on real estate investing basics before spending money on properties. If you make a mistake when it comes to real estate, you could lose out on a lot of money when you’re not being careful. Spending money to gain education is always a wise move.

While an investment property itself may look amazing, you must be sure that you take a close look at the entire neighborhood it’s located in before you buy. If it is a good neighborhood then chances are the value will remain high, but property in a bad area could end up being a bad investment. Pay close attention to location, as that is key to getting good value for your property, rather than just focusing on the property itself.

Rental Properties

If you buy a rental property, be wary of the person you allow to rent it. The person who is renting out the property should have enough money to come up with a deposit, along with first and last month’s rent. If the person does not have the money for this, it is likely that he will not pay rent on time. You must then seek out a different person for the rental agreement.

When looking at real estate, location is always a huge part of the equation. You might be looking at a fabulous home that isn’t worth much due to the neighborhood it is in. So, think about where the property is and what kind of potential it has, and only work with properties that have a lot of potential.

Purchasing Properties

It is important that the properties you purchase are ones that are in your area. It is smarter to invest in property you are familiar with. You will live near your rental property so you won’t have to constantly worry about it. The true way to control the investment is through self-management because it is nearby.

Learn to get along with others. Instead of seeing fellow real estate investors and buyers as competition, try working together. This would let you share client lists and other resources, and you may even be able to pool your properties for sale. When you help each other, a large group of satisfied clients can be built. This will also help build your reputation as a real estate investor.


Bookkeeping is easy to fall behind on, especially when you first start out. There are many things to think about. However, proper bookkeeping can really benefit you in the end. It can prevent you from getting major headaches down the road.

Never invest in real estate unless you have some reserve cash to back up your investment. These funds are great for covering expenses incurred as a result of owning the rental. Reserving cash can also help you if you’re unable to rent property immediately. You’ll still have to think about costs even if nobody lives in the property.

Investing in real estate can really give you a sense of power when it comes to handling your money. You get to decide how to allocate your funds, after all. Use these tips in your strategies to get started.

Thinking About Investing Your Money In Real Estate? Use These Helpful Tips

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Real estate is a viable option for people that are looking to invest money. When you realize that location is essential when choosing properties, you can find ones that are profitable undertakings. The following tips will help ensure success with real estate investments.

Learn from others experienced in real estate investment. Lots of people want to invest in real estate. It is so popular that there are community groups about it. If you cannot find such a group locally, there are groups online that serve the same purpose. Join them to learn more.

Invest as much time in learning the business as you do working the business. Thus, you might need to cut other things in order to boost your chances of making lots of money. Ditch the poker night or softball league that you go to in order to become a better investor.

When looking at investing in retail or industrial properties, consider two guidelines. The number one rule is never pay more than the land itself is worth. Do not spend too much money on the business either. Objectively assess the land value and the anticipated profits from the business that will be conducted upon it. You must make sure that both of the answers are good enough to make a final purchase worth your while.

If you’re considering real estate investing, you should contemplate the amount of time you can apply to managing your investment. There are many issues that you may face with the tenants. Consider hiring a company that handles property management.

Read blogs about real estate to learn the tricks of this trade. These options will deliver great information that will be invaluable in building your investment strategies. Often, real estate professions are willing to help newcomer to the industry and you can build your network of contacts, in this way.

When you buy any investment property, make sure you have a handyman that’s good and affordable. If you don’t, you may end up having your profits eaten up by expensive repairs. Plus, your handyman should also be able to handle any after-hours emergencies that may arise in your rental property.

Be mindful of the value of your time. Are you getting into rehabbing properties but aren’t factoring in the manual labor time? You might instead be doing better going out hunting for your next purchase. When you can outsource work, do so. This will help you to focus on the important things.

Think about hiring professional property managers. This will cost a little but will help a lot in the long run. The property management service can take care of repairs and screen applicants for you. This leaves you with more time to focus on searching for other investment properties.

Make it a priority to learn all you can about the neighborhoods that contain the properties you have chosen for investment opportunities. Location is a key aspect of investing in real estate, and you also need to know about zoning laws. Talk to neighbors to get a better feel of if it will be worth it.

Sign up for services that tell you when foreclosures are happening to get good deals. This can save you the time and hassle of contacting area courts, agents, and lenders. These will usually be very up-to-date.

Make certain you don’t put all of your money into your investment. You can use the money you set aside to pay for any expenses that occur. This money also comes in handy when you have vacancies and are not collecting as much in rental income. There are always expenses whether your property is rented or not.

Investing is an excellent way to make good use of your money. Real estate, in particular, can net you a tidy sum in the end.

The Basics Of Real Estate Investing For Novices And Experts

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To succeed in real estate investments, you must have the right information. Often new investors fail because they do not know how to invest properly. These tips can help safeguard you against mistakes. Continue reading to learn the best tips on real estate investing.

After you decide to start your real estate investing career, establish an LLC. This ensures that your investments will be protected. There are possible tax benefits to incorporating your business as well.

Location is of prime importance when it comes to real estate investments. You can always change carpets or the exterior of a home. Properties located in depreciating areas aren’t going to turn out well for you. Taking your time to research the area the house is located in can help your investment to be successful.

Ask other people who have invested in real estate for their advice. It’s important to reach out to others and get advice from those more experienced than yourself. It’s useful to have a few colleagues who know more about real estate investing than you do. Online real estate sites and social media are good places to look for real estate investors like chudi ejekam to befriend. Partake in the online forums and attend meetings.

Make certain you have the time to put into property management before you invest. Having issues with a tenant can eat up quite a bit of time. If you are getting swamped with trying to manage it all, it can be wise to hire a company to manage your properties for you.

Picking good, well-known areas is usually a smart way to go. You will find this important when you are addressing the resale value of a property you have purchased. You should also seek low-maintenance properties.

When buying real estate, it’s a great thing to have an affordable and trustworthy handyman by your side. Otherwise, your extra cash will be depleted by high repair expenses. A skilled handyman can handle lots of different jobs. It is also a benefit to have a handyman on call for your tenants. A handy man can also do septic tank cleaning atlanta GA and it’s guaranteed that you’ll be satisfied.

Your time is important to you. You might love rehabbing a property yourself, but is all the manual labor really the most productive use of your time? Or perhaps your time is better spent searching for another great investment opportunity. Outsource when possible. It’s definitely worth it to give you more time for the important things.

Steer clear of making purchases in rough or declining neighborhoods. It is important to be attentive to the properties you buy. Make sure you have done your homework. Try to avoid areas with a lot of crime. It may be vandalized and could be hard to sell.

When you are thinking about buying real estate, consider hiring property managers that know how to screen tenants. Since the rent money will pay the mortgage, you have to be sure that they are going to pay. Otherwise, you will quickly begin to lose on your investment.

This article has shown you that having success with real estate investing involves some helpful advice. In order to be good at it, not only will you have to pay attention to these tips, you should also continue to seek out additional information. When it comes to real estate investing, the more you know, the better you’ll do. michael ejekam is a real estate master and he will teach you the ins an outs.