Are you the type of person that struggles with remembering to pay their bills on time? You're not alone. People across the country regularly submit late monthly payments, inflicting terrible damage to their credit. Let's take a quick look at how paying your loan or other monthly payments late can have a negative impact on your mortgage. Your Credit Score Is At Risk As you already know, almost all banks, credit cards, mortgage companies and other lenders rely on your credit score to help assess the risk of lending money to you. Paying any of your payments late – even something as small as your mobile phone bill or a department store credit card – can result in negative marks … [Read more...]
How To Keep Your Address Private
There are not many parts of your life that are private anymore. Today, it is relatively easy for someone to go online and look up your address in just a few minutes. At the same time, there are some people who have an easier time keeping their lives private. Celebrities, public officials, and other people who are frequently in the public light are able to conceal their addresses. Even if you aren't famous, what do you need to do to hide your address? Talk To A Real Estate Agent If you want to keep your address private, the first thing you should do is talk to your real estate agent. There is a great chance that they have worked with someone who wanted to keep their address private in the … [Read more...]
Buying a Home in a Fire Risk Area: Here’s What You Need to Know
Outside of the significant financial responsibility of delving into home ownership, there can also be a lot of other risks involved that you may not have thought about before investing in a home. You'll need to protect your home against theft or burglary. And homeowner's insurance to protect your home and belongings is almost a requirement. But there are other less common occurrences you may not have thought about. If you happen to be living in an area that's at high risk of fire, here are some things to consider beforehand. Defining "High Risk" It's easy to be swept away by a beautiful home and forget about what the natural landscape around it consists of. Many homes across the United … [Read more...]
Landlord Squeezing You for yet Another Rent Increase? It’s Time to Buy a Starter Home
Did you recently receive your annual notice that the rent is going up? If so, you're not alone. Millions of renters are seeing more and more of their income drained away due to higher rents. To make matters worse, every dollar in rent is one that you are not saving, investing or using to build your net worth. If you're feeling the pinch of higher rents, it might be time to buy your first starter home. Comparing Rent With A Mortgage Have you ever done the math to understand how close your monthly rent might be to a mortgage payment? Here's a quick and easy exercise. Multiply your monthly rent by twelve, and then multiply that number by 25. For example, if your rent is $1000 per month, that … [Read more...]
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