Foreclosure Books For Good And Bad

In some cases people are suffering terribly and in others people are celebrating. Its a weird time to try and figure out but with our list of foreclosure books we have come up with a solution for all. There is simple help if you want it. Its just a matter of wanting it. So people who are ready to invest and people trying to save their homes why not get a look at our list of foreclosure books for good and bad.

These are not just cheaply written money grabbing foreclosure books. Rather they are seriously geared towards you being able to save a ton of cash when it comes to lawyers, banks, administrators, accountants and so forth. Im not saying that the foreclosure books will eliminate the needs for many of these services but what they will do is let you do your homework first to be able to lessen the sting.

So it doesnt matter if you are an investor or someone worried about losing your house. Our series of books Foreclosure books for good and bad is a must for every house owner or potential house owner.

So you can sit and wait until the bank takes your house away, or you can wait until you lose that great deal or you can have a look at our series of foreclosure books and get ahead of the situation you may be in.

Dale

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Foreclosure Books

Stop Foreclosure (Part 4)

Life is not always easy. We hit road blocks, unexpected payments and times when things are so tough that we just don’t think there is a way out. Then if we throw losing our house in the mix, well that’s just plain old devastating. So it’s time to stop foreclosure. Now if money does become an issue there are certain priorities that we should adhere to. It’s really pretty simple. The three things that you need to focus on are food, housing and utilities. Food and utilities should be paid first and then the rest should be directed at your housing situation.

Time to make some hard decisions in order to stop foreclosure. They really shouldn’t be hard considering the effort being put forward is to save your home but as weird as it is many people have a tough time cutting out the luxuries that can help them stop foreclosure. Ok, no more eating at restaurants, get the cable cut off, and entertainment is definitely out for a while. If you have any stocks or bonds then this might be a good time to dip into them or getting rid of the second car is a widely used option. You have to understand that anything you can do to put some extra money n the bank at this time can be very beneficial in order to stop foreclosure.

Don’t stop paying your credit cards. However if you do find yourself in a little too deep you may want to call someone to help you get your bills at a manageable level. A credit counsellor may be able to help with different payment plans which could bring your monthly commitments lower. All these suggestions are a must in order to stop foreclosure.

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Avoid Foreclosure

Remember that after you buy a house you will always have maintenance and utilities so you have to be sure there is money left for these sort of expenses when you are figuring out how much you can afford for a mortgage. This is important to avoid foreclosure. Remember your payment needs to include interest, principal, insurance and taxes. This number should never be higher than 30% of your net income.

So now that you understand there are extra costs then you have to take very careful consideration when deciding if you can or cannot afford a new house. Another way to do a quick calculation is you should never buy a house that is more than 2.5 times your current yearly income. Just because you think you will get a raise doesn’t mean you will so don’t go in and take a loan on assumed money. If you feel buying a house is going to put stress on your financial situation then it’s quite simple. Don’t buy the house.

You want your lender to be your best friend. Not just someone pretending to be your friend but someone you feel really good about. You are going to want to talk to more than one lender to get a feel for the place you want to deal. This is also very important to avoid foreclosure. If you feel like your lender isn’t being upfront with you then how do you know they will be there for you in time of need.

Be sure you go over with your lender about all the hidden costs at the time of signing. There is going to be lawyer fees, transfer fees and all sort of good stuff. Make sure you know right to the penny. This way you are a step ahead in avoiding foreclosure by knowing exactly what things are going to cost you.

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Stop Foreclosure (Part 3)

If you feel like you are at rock bottom then it may be too late to ask yourself, should I call my bank? It’s important that as soon as you recognize that you may have some financial issues that you get a hold of your lender. Most people get scared and as soon as there is any sign of trouble they find all the excuses in the book to hide from the very people that can help them. If you are getting into a foreclosure situation then you absolutely need your lender on your side.

Something that is very important and you must remember is that the last thing your lender wants to do is take away your house. Believe it or not they are actually on your side. Foreclosure proceedings cost your lender a lot of money so no matter what you have been told this is the last thing they want to pursue as well. Most lenders will work with homeowners in order to keep your house from being foreclosed on. They usually have a variety of options they can pursue. One thing to know however is that it is very important to contact your lender early. The options you have severely decrease when you end up 2 or 3 payments behind.

The problem is that most people hang on to the feeling that things will turn around and everything will be ok. Listen closely. Asking for help may involve swallowing a bit of pride but believe me the alternatives are a lot harder on your pride.

So now that you have swallowed your pride it’s time to call your lender. The calling info can be found in several different places. Monthly mortgage statement, web links or just the phone book. I know dialling the number is difficult but once you have a voice on the other end everything will fall into place. Make sure you have all the information on hand that you will need like pay stubs and your other financial information. Explain the situation to the lender and make your situation as clear as possible.

Once you make the first call the others will be much easier. The problem isn’t going to disappear with one call. Your lender might also need you to fill out some forms so they can review the situation to see how they can handle your case.

You do need to know that if you fail to follow up on anything the lender asks of you then legally they are bound to start foreclosure proceedings. So not only are you losing your prize investment but now you would have all the added legal costs of a foreclosure. Once it gets to this point it definitely becomes a lot harder to keep your house.

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How To Save Money (Part 1)

Today’s economy is proving to be very trying. Everything is going up in price except for wages. Many people are looking for ways on how to save money. Once the bills are all paid there just isn’t much left at the end of the day. They say most people are just 2 pay checks away from financial disaster. Well in this series of articles I will try and show you many practical ways to save from a few dollars to many hundreds of dollars. Some people will implement many of these ideas and others won’t bother but it’s here for the reading to do with as you please.

1. Gifts During The Holidays

Small or large families. How to save money during the holidays can be very stressful. Of course we all love giving and receiving gifts but at the end of the day when the credit card statements come in, that can be very trying. I am in the opinion that for children gifts are very important. So within your family you should try and agree on a nice meal, some drinks and the enjoyment of watching the kids open their gifts. Also you can do some baking and homemade crafts for give aways.

2. Bargains

It’s really not embarrassing to head over to the clearance rack. The bargains that can be found in there are simply amazing. You want to learn how to save money well this is one tip you should never ignore. I guarantee that this is not a waste of time. Of course there are always the items that you don’t need in the bargain aisle. However if you dig a little deeper there is a good chance you will find that hidden treasure.

3. Second Hand Stores

Don’t believe the bad things you have heard about thrift stores. These places are incredible ways to save money on very high quality products. There are hundreds if not thousands of great bargains in these stores. You may have to take the time to walk the aisles to find what you are looking for but this is definitely one of those ways you can save hundreds of dollars.

4. Use Your Talent To Wrap Gifts

This can be fun and a great way to get the entire family involved. This is a great way on how to save money. You see brown paper bags and news papers can make a wonderful resource for gift wrapping. Let the kids go to town on decorating using finger paints, glitter and other item that can be found around the house. The people opening the gift will have just as much fun with the wrapping paper as the gift inside.

This is the first series on how to save money. Keep watching for the next excerpt as I have many other ways to show you on how to save money.

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Stop Foreclosure (Part 2)

Hmmmmm, what are ARMs? Well let me tell you a bit. They are adjustable-rate mortgages and I strongly suggest you stay away from them. Oh sure the interest rate may seem very inviting considering it is usually about 2 percent lower on a 30 year mortgage. The problem lies in the adjust part. You see if the economy does anything stupid the loan can and will be adjusted. This could shoot your interest rate up as much as 5 to 10 percent. That in essence could easily double your mortgage payment. I don’t know about you but if my mortgage payment doubled overnight I would be in trouble. So don’t get yourself in the position of having to stop foreclosure. I strongly suggest staying away from ARMs

Another thing to do so you don’t find yourself in a position to stop foreclosure is make sure you have a handle on your finances. I don’t care who you are and how you horde your money. The average person still has months that things are difficult for whatever reason. There are times when you may have to juggle some payments. Well the one payment you really want to avoid juggling is your mortgage payment. You see while it’s not great practice you won’t find yourself in the position to stop foreclosure if it’s a credit card payment you are juggling instead of a mortgage payment.

Keeping your credit and debt obligation is a good way to make sure you are never in a position where you have to stop foreclosure. You definitely don’t want to be applying for any other credit around the time you will be getting your mortgage. Too many credit enquiries are not good for your credit score and could result in a higher interest rate on your mortgage. You also want to stay away from any other large purchases around the time you are buying a house. You see most institutions say that your debt obligation should be less than 36% of your gross monthly income. If you get in around or above that number it could make a big difference in your interest rate on your mortgage. So if you don’t want to find yourself in the position to stop foreclosure then here are a few small tips that can easily be followed.

My partner and I work very hard to help people on the internet with various differant subjects. we do well because we do a good job of researching. Keep tuned to this blog and also check out our relationship blog

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Stop Foreclosure (Part 1)

Everywhere you look and everyone you talk to the big topic of discussion is foreclosures and how we can stop foreclosure. Over a million homes in the United States are undergoing foreclosure as you read this. Don’t let this be a complete downer. There are a few ways that you can stop foreclosure. Losing your home can be absolutely devastating and you might feel like you have run into a road block but don’t give up until you have exhausted all avenues to stop foreclosure.

In this series of articles I will try and feed you as many tricks as I can for you to beat and stop foreclosure. After you read all of these articles you should have a much better handle on things when the bank comes a calling to take your house. If you want to keep your peace of mind and stop foreclosure then keep an eye on these articles that I will try and get out as fast as possible.

You will never make a bigger investment than your home. Because of this you want to be careful and take your time when choosing the home of your dreams. Make sure you get involved with a realtor that genuinely cares about you and not just their commissions. The best way to do this is ask for references. Another thing is you want to sit down and make a list. First of all the list should be the highest you are willing to pay. It should also include what you need in your home for options. Make sure you stick to the list and the temptation of overbuying shouldn’t be an issue. So by following this you should never get into the position where you have to stop foreclosure.

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