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Find a Mortgage and Other Practical Financial Information

Buy a Home * Invest in Real Estate * Sell Your Own House * Understanding Mortgages

When you are ready to start looking for a New Mortgage, or it's a good time to check into Refinancing your Mortgage, it's very practical to begin your search Online. It's amazing how many Lenders you can have access to, now, through the internet. Get your Quotes for Free, then you can make an informed decision about the best rate you can get. Remember, it's all about the Rate, the number of years of Financing, finding an affordable Monthly Mortgage Payment, then paying down the Mortgage.

Quick Tip: The best way to cut years off your mortgage is to make One extra Mortgage Payment a year. I'm not a big fan of the Bi-Weekly Payments (a full mortgage payment every two weeks) -- too stressful for the vast majority of families. Just try to save up enough 'extra' money a year to cover one additional Mortgage Payment and you'll take years off your Mortgage!

The new Low Interest Arm Options are fine if you are willing and able to move from the purchased property in 1 - 5 years, and are definitely not planning to stay put for 30 years. Too risky for the long term home-owner, but if you're like me and like to move every few years, and you know the home will hold or increase it's value, I say, go ahead with care. Just remember to make sure you can make payments against the Principle without a penalty, and make at least one extra payment a year, preferably two extra payments. Or add a little against the Principle every month, whichever works better for you.

I actually have a new Mortgage Company I'm working with, myself, Murray Mortgage, and I really like them. They have a 4%, 5 Year Mortgage which I really like (it's a 7% with a 4% Option Arm), and they have the Smart Loans starting at 1%, which can be good if you are really careful and follow the 'be prepared to sell rule', as far as I'm concerned. Anyway... Murray Mortgage only services California, right now, but if you want to phone and get a great deal on a Mortgage that's just right for you, call 1-800-684-2221. Ask for Sherry Garcia, and tell her your friend, Ailsa Forshaw from told you to call for a good deal. Sherry's great -- you'll really like her. Ooooh, I'm out there findin' good deals for my Readers!!

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Real Estate We all know how much I love Real Estate! ha,ha!) (And I think you might just love it, too, right?!

< 5 Quick Steps to a Better Credit Score
Learn how to manage your credit score and improve your creditworthiness

Think of your credit score as a picture of your credit risk. This picture reflects your risk at a specific point in time. A picture does not change; however, when you take another one, you will probably look a little different. Similarly, when your credit information changes, your score will also change to reflect the updated information.

There are steps you can take to ensure that each time a new “credit picture” is taken, it shows your best side. By observing the following guidelines, you can influence your credit worthiness for the better:

  1. Be punctual- Pay all your bills on time. Late payments, collections, and bankruptcies have the greatest negative effect on your credit score.
  1. Check your credit report regularly and take the necessary steps to remove inaccuracies – Don’t let your credit health suffer due to inaccurate information. If you find an inaccuracy on your credit report contact the creditor associated with the account or the credit reporting agencies to correct it immediately.

  2. Watch your debt – Keep your account balances below 50% of your available credit. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $500.

  3. Give yourself time – Time is one of the most significant factors that can improve your credit score. Establish a long history of paying your bills on time and using credit responsibly. You may also want to keep the oldest account on your credit report open in order to lengthen your period of active credit use.

  4. Avoid excessive inquiries – A large number of inquiries occurred over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can easily repay.

Mortgage preparation tips
The checklist to a successful home buying experience

Buying a home is probably the single largest investment most people make in a lifetime. By preparing yourself and your finances before a home purchase, you can ensure a smooth finance process and can potentially save thousands on your loan.

Start by checking your credi

Figure out how much you can afford

Pick a mortgage to fit your finances

Improving your finances before you start to shop can help you save thousands on your mortgage. Reducing your loan rate by just 1/2 a point you can potentially save a whopping $22,000 over the life of a $200,000 loan.




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