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August 2009 Monthly Archive

August 31, 2009

Refinance Mortgages

Simon Volkov

Many homeowners elect to refinance mortgages to obtain a reduced interest rate. This can be a smart financial decision when borrowers hold a first and second mortgage. Both home loans can be rolled into one new loan; reducing monthly payments and lowering the risk of default.

In order to refinance mortgages borrowers must apply for a new loan. Homeowners can refinance through their current lender or seek out banks offering the lowest rate of interest. Financial experts recommend shopping around for a new home loan before entering into an agreement.

Real Estate Investing article on "Refinance Mortgages"

August 28, 2009 | Comments: 1

Home Mortgage

Simon Volkov

Obtaining a home mortgage loan today is considerably more difficult than a few years ago. Unfortunately, too many people were approved for mortgage loans that weren't financially qualified to repay the debt. The end result is the massive amount of foreclosures sitting abandoned all across the country.

Today, borrowers seeking a home mortgage through traditional lenders must have nearly perfect credit, along with a strong history of paying debts on time and a solid work history. While this can be frustrating for people with less than perfect credit, alternative options exist for buying a home.

Real Estate Investing article on "Home Mortgage"

August 25, 2009 | Comments: 1

Mortgage Refinancing

Simon Volkov

Mortgage refinancing is an option available to borrower's who want to initiate a new loan against their home. Homeowner's can refinance mortgages to obtain a better rate of interest, alter terms of the loan, enter into a new type of loan, or obtain cash to pay off outstanding debts or make home improvements.

Mortgage refinancing requires borrowers to submit a new loan application either through their current lender or a different mortgage lender. Before applying for a new home mortgage it is important to review the terms of your current mortgage note. Nearly all home loans include prepayment penalties for closing the loan early.

Real Estate Investing article on "Mortgage Refinancing"

August 22, 2009

Real Estate Investor

Simon Volkov

Becoming a real estate investor requires knowledge, good instincts, the ability to network with like-minded people, patience, persistence and money, or the ability to obtain funding from others. Investors must have a solid understanding of the market, various types of investment properties, and the ability to address issues that arise.

Anyone can become a real estate investor, but in order to succeed in this mega-competitive field, investors must be willing to put in time to learn the trade. In today's economy there are more investment property opportunities than ever before, but there are also additional risks.

Real Estate Investing article on "Real Estate Investor"

August 20, 2009 | Comments: 1

Real Estate Investing Forums

Simon Volkov

Real estate investing forums can be a great place to connect with other investors and learn insider-secrets, tips, tricks, financing options, and stay current with market trends. Investors from around the globe gather in social networking forums to learn and share information and locate potential deals.

Participating in real estate investing forums can be tricky at times. Investors need to learn how to differentiate between professionals and wanna-be's. It is not uncommon for members to pose as legitimate investors when their primary goal is to sell products and programs that oftentimes aren't worth the paper they are printed on

Real Estate Investing article on "Real Estate Investing Forums"

August 16, 2009

Real Estate Investment Articles

Simon Volkov

Real estate investment articles can be an exceptional tool for individuals interested in purchasing properties or land. With today's uncertain market, investors must take time to stay abreast of economic changes, government regulations, types of investment properties and financing options.

The Internet provides an abundance of real estate investment articles. From buying foreclosure and bank owned homes to investing in real estate notes and land contracts, investors can learn from the experts from the comfort of their home.

Real Estate Investing article on "Real Estate Investment Articles"

August 14, 2009

Bank Owned

Simon Volkov

Bank owned refers to real estate that has been repossessed by the bank because the borrower was unable to maintain their mortgage payments. Bank owned real estate is oftentimes referred to as real estate owned or REO properties.

Bank owned real estate is foreclosure property which did not sell at auction. Once property has been foreclosed it is first place for sale through public auction. If no acceptable bids are placed, the property is returned to the bank. At this point, it becomes the mortgage lender's responsibility to maintain the property until sold.

Real Estate Investing article on "Bank Owned"

August 10, 2009

Annuity Payment

Simon Volkov

Annuity payment refers to monetary compensation which is paid out over a specified period of time. Often referred to as 'structured' payments, annuities generally stem from insurance settlements or jackpot lottery winnings. Individuals entitled to annuity payments are known as the 'Annuitant'.

When an annuity payment is provided through an insurance company, they are referred to as structured settlements. This type of transaction occurs when the Annuitant is compensated for injury or illness which was caused by the negligence of another. Structured settlement annuity payments are tax-free.

Real Estate Investing article on "Annuity Payment"

August 07, 2009 | Comments: 1

Broker Price Opinion

Simon Volkov

Broker Price Opinion refers to the process used to obtain property values. Mortgage lenders and bank loss mitigation departments utilize BPO reports in lieu of traditional property appraisals to obtain estimated property values of real estate which is entering into foreclosure or when borrowers wish to obtain a loan modification.

Broker Price Opinion is not the same as a traditional property appraisal. As the name suggests, the appraised value is an opinion based on a variety of predetermined factors. These can include the area where the property is located, square footage of the home, lot size, and the condition of other homes in the area; including the percentage of foreclosure or bank owned properties.

Real Estate Investing article on "Broker Price Opinion"

August 02, 2009

Shorts Sales vs Foreclosure

Simon Volkov

Short sales vs. foreclosure is a hot topic in the world of real estate. These two options might be the only thing left for borrowers struggling to make ends meet. Both can resolve financial challenges or create an entirely new set of problems.

The primary difference between short sales vs foreclosure is with short sales homeowners have the opportunity to sell their property for less than is owed on the mortgage note. Borrowers must meet certain criteria to obtain short sale approval from their lender.

Real Estate Investing article on "Short Sales vs Foreclosure"