<![CDATA[Debt Free Dave’s Blog]]><![CDATA[Mediation to solve real estate disputes - Arizona]]>mediation in Arizona is making its way into solving real estate conflict.  There is now a mediation clause that is standard in every Arizona Association or Realtors Contract.  I think this is a better first step for clients rather than trying to slug it out in court.  The benefits of mediation would seem to out weigh going to court.  For one going to court is expensive and it can take a long time.  Litigation can take years, while mediation can be completed in a day.  The cost of mediation is less as well.  Litigation can run in the tens of thousands of dollars quickly.  Most mediators charge between $200 - $300 per hour.  If you can get your dispute settled in a day, I think you can do the math.

The only hitch to trying to use a mediatoris that if one party wont participate you may need to seek other methods to settle your dispute like arbitration or litigation.

Real Estate Mediator Arizona

Divorce Arizona]]><![CDATA[What is Mediation?]]>
Mediation is one of the fastest growing alternatives to going to court.  Some courts even require that parties go to mediation before litigation.

Arizona Mediator]]><![CDATA[What does it take to Buy A New Home?]]>
    * knowledge of industry terminology
    * knowledge of the home buying process
    * awareness of down payment assistance programs
    * understanding first time home buyer programs
    * typically good credit history and credit scores that are above 620
    * must being gainfully employed receiving some proof of income
    * have some money for closing costs and down payment - or access to get some funds for
     settlement
    * knowledge of real estate mortgage loan programs

If you are confused by the process speak to a professional.  A bad transaction will stay with you a long time.  Many consumers that bought during the real estate bubble would be able to tell you about their misfortunes.]]><![CDATA[8000 fha bridge loan program]]>FHA home loans will soon be a lot better for home buyers and first time home buyers.  Hud and FHA plan on giving buyers an $8000 bridge loan that they can use now to buy a home rather than wait to get their refunds.  Not all of the details have been outlined yet.

8000 FHA bridge loan program]]><![CDATA[How to raise your credit score]]>
When is comes to improving your credit report scores there is a lot of rotten information on the web.  The reality is that it only takes a little common sense and it will go a long way towards improving your credit.

    * Don't spend what you can't afford
    * Don't go over 30% of your available credit limit on your credit cards
    * Don't cancel your old credit cards.  If you do, your credit history will go out the window
    * Don't get too many credit cards
    * Be mindful of what credit cards you are getting.  Department store credit cards lower the quality of your credit mix

How to raise your bad fico score]]><![CDATA[Understanding Your Fico Score]]>credit score, the better you will be able to get a mortgage.  It is important that you understand your credit as well as your credit scores.  There is more than one type of mortgage.  Your credit score will dictate what programs you will be eligible for.  Typically the higher your fico score is, the better interest rate you will get.

Different Types of Mortgage Programs For First Time Home Buyers.

    * How to increase your credit fico score
    * What factors impact your credit report score
    * How to recover from bankruptcy or foreclosure
    * Credit Repair
 

Most Consumers Want to Know the Following about Credit Scores

    * Locking the best mortgage interest rate
    * First Time Home Buyer Programs
    * Down Payment Assistance or DPA
    * HomePath Mortgage Program
    * FHA loans, great for first time home buyers and buyers with low credit scores

For more information about credit scores talk to your mortgage professional.]]><![CDATA[8000 Tax Credit]]>2009 American Recovery and Reinvestment Act of 2009.  Get a $8000 tax credit just for buying a new home.  That's dollar for dollar against your federal income tax returns.  You must be a first time home buyer to be eligible for the program.  The home must be your primary residence as well.  The home you buy must be from someone that is not related to you.

8000 tax credit info

10000 California Tax Credit]]><![CDATA[What is the Difference between a Tax Credit and a Tax Deduction?]]>Tax credits will decrease in the amount of State and Federal Income Tax that you owe that is based on your tax bracket.  A tax credit is a dollar for dollar decrease in the amount of taxes that you will owe. The President Obama's $8000 tax credit is dollar for dollar off of your income taxes.

A tax deduction will reduce the amount of your income that is taxable by the state or Internal Revenue Service.  It is not dollar for dollar like a tax credit.

 

Read More

 

Pennsylvania Tax Credit]]><![CDATA[HomePath Mortgage loans may be the way to Buy your First Home]]>
A HomePath Mortgage may be a better option than an FHA mortgage. A HomePath Mortgage only requires 3% down whereas an FHA mortgage can require 3.5% down. There is no PMI on a HomePath Mortgage. An FHA mortgage has mortgage insurance as well as a 1.5% funding fee up front ouch. There is no appraisal required for a HomePath loan.

HomePath mortgage information]]><![CDATA[How to get Energy Efficient Home Improvement Tax Credits]]>American Recovery and Reinvestment Act of 2009 that President Obama passed provides a home improvement tax credit for homeowners that are doing energy effient improvements to their property.

How to get Energy Efficient Home Improvement Tax Credits.  You must purchase and install the energy efficient items between 1/1/2009 and 12/31/2010.

 

Read More]]><![CDATA[8000 tax credit for first time home buyers explained]]>$8000 first time home buyer tax credit can be confusing.  It is much different than the $7500 tax credit that was passed by the Bush Administration.  Make sure you understand what you are getting before you sign on the bottom line to buy your first home.  This article will break it all down.

Read More]]><![CDATA[Alternative to Loan Modification - ask your lender to produce the note]]>produce the note.  In most states for a lender to proceed with a foreclosure they must be able to produce the original mortgage documents.  Most can't so this will give you more time.

Read More

]]><![CDATA[What is a HomePath Mortgage? How a Realtor can cash in.]]>
HomePath Information]]><![CDATA[Where do you get stuck in your business?]]>1.  Fear of Asking for Assistance - People in business want great results, but often do not know where to get the assistance that will make a difference.  The common fear is that if you ask for help it shows that you are weak.  So this keeps people from asking.  Conversely you may actually think you don't know what you are doing if you ask for assistance as well.

2.  Fear of Being Taken Advantage Of - The next biggest obstacle is the fear of being taken advantage of.  Business people are scared of being taken by an expensive business consultant.

3.  Fear of Hiring Another Bad Management Consultant - Just because you have tried it once and it failed doesn't mean that it wont be effective with another business consultant.  You may need to move past your fears and hire another consultant.

by Innovative Management Solutions

]]><![CDATA[Phone Numbers For Who To Call To Modify Your Loan Yourself]]>
Loan modification info

Loan modification information]]><![CDATA[Loan Modification Information Center]]>loan modification and how to do it yourself.  Save yourself some money while modifying your loan.

Loan Modification Center]]><![CDATA[What Are The Advantages Of A Reverse Mortgage Loan?]]>reverse mortgage?  A reverse mortgage can be your last stop if you need cash flow in your retirement years.  You must be at least 62 years of age and have equity in your home however.  A reverse mortgage can provide you reliable income for the rest of your lives.]]><![CDATA[FHA Streamline Refi, No appraisal Necessary]]>fha streamline refinance.  The only qualification is that your mortgage be current and a 12 month mortgage history can be obtained.  You do not even need good credit or have to provide tax returns or bank statements to be approved. You can even be upside down and still refinance.

For More Information Call Toll Free 1-888-368-6668]]><![CDATA[Can You Refi An FHA Loan?]]><![CDATA[Sample dispute letter for credit cards]]>
Sample credit card dispute letter]]><![CDATA[Will I get a 1099 if I walk away from my home?]]>
The Rules of Deficiency Judgements]]><![CDATA[Down Payment Assitance and First Time Home Buyer Directory]]>
Down Payment and First Time Home Buyer Information]]><![CDATA[How do you become an author on GetPrequalified.com]]>GetPrequalified.com.  Do follow backlinking.]]><![CDATA[How to get rid of ants in the house]]>
How To Get Rid Of Ants]]><![CDATA[Fannie Mae Stops Foreclosures and Evictions]]>
Read The Full Story]]><![CDATA[Follow Me on Twitter, social netoworking]]>DebtFreeDave.  I looked forward to your tweets...]]><![CDATA[Sample Letter to Stop Creditor Calls]]>sample debt letter that you can send out.  Remember that you do have rights under the fair debt collections practices act.]]><![CDATA[Down Payment Assistance Learning Center Goes Live]]>Down Payment Assistance Center.  There will be information on down payment assistance grants and special mortgage programs for every single state.  All the information is free.]]><![CDATA[Last Day for DPA and Ameridream]]>The last day to get your loans in is September 23.  If you have any fence sitters get in the car and write an offer.

]]><![CDATA[What is debt validation?]]>
Debt Validation more information

Sample Debt Validation Letter]]><![CDATA[What your credit card companies don't want you to know]]>
DebtNegotiationZone.com]]><![CDATA[What is the difference between debt consolidation and CCCS?]]>

What is the difference between debt consolidation and CCCS?]]><![CDATA[What a relief]]>




DebtNegotiationZone]]><![CDATA[Cheap Fuel is Back]]>
GetPrequalified.com]]><![CDATA[Ameridream may go away]]>Ameridream down payment assistance program.  Down payment assistance programs account for over 100,000 families getting homes every year.  Don't let this nation loose another great homeownership opportunity.  This programs serves one of the most important markets which is the first time home buyers.

This attach couldn't come at a worse time considering the condition of the real estate market.

GetPrequalified.com]]><![CDATA[Flipping Out with Jeff Lewis]]>
GetPrequalified.com]]><![CDATA[What is the fair debt collections practices act?]]>What is the fair debt collections practices act?  It is the rules by which a credit must follow when trying to collect on a debt.

Fair Debt Collection Act]]><![CDATA[When should I get Prequalified for a mortgage?]]>get Prequalified for a mortgage?  In my opinion you should get prequalified before you even get in a realtors car.

Get Prequalified]]><![CDATA[How do I publish real estate articles online?]]>How do I publish real estate articles online?  You can publish your articles at GetPrequalified.com.  Even better is that you will recieve a backlink for every article that you publish.  Orgainis search traffic is free.  It is like a billboard that is always up and you didn't have to pay for it.

Publish Articles on GetPrequalified.com]]><![CDATA[What is a Charge Off?]]>What is a charge off?  A charge off is a bill or unpaid sum of money that has been sent to collections by the original creditor.  A charge off will do considerable damage to your credit report.  It is in your best interest to settle it as quick as possible.  You may want to look into hiring a debt negotiation company to take care of it for you.  You may be able to save yourself 40-60 cents on the dollar.

Information on debt negotiation]]><![CDATA[What is a GFE?]]>What is a GFE?  A GFE simply stands for good faith estimate.  A lender is to provide a borrower with a list of all the expenses that are associated with the purchase of the property and the acquisition of the loan.

Get PreQualified]]><![CDATA[What is the best Real Estate website?]]>GetPrequalified.com]]><![CDATA[What is FHA]]>
FHA Articles

Get Prequalified]]><![CDATA[What is debt negotiation? - Debt Settlement]]>What is debt negotiation?  Debt negotiation is a process of settling collection accounts or unpaid bills.  Often you can save yourself 40-60% of what you owe.  The best part is that there will be no long term negative effects on your credit report.  If you have collection accounts and want to buy a house, you may want to consider a debt negotiation program.

Settle my debt]]><![CDATA[What does REO mean?]]>What does REO mean?  It simply means real estate owned.  This occours when a bank forcloses on a property and they take it back to sell.

Foreclosure Articles]]><![CDATA[What is Ameridream]]>What is Ameridream?  Ameridream is a down payment assistance program.  You can receive up to 10% in gift funds from a seller to cover down payment and closing costs.  Effectively you can buy a home with no money down and no money out of pocket.

What is Ameridream?]]>