ECOA Disclosure
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is:
Lending institutions are prohibited from bringing up, in the taking of applications for
loans, certain specific subjects which lend themselves to discrimination. They are as
follows:
A) Whether or not you have or will have children. (Although
inquiring as to the number and age of dependents is proper).
B)Whether or not there exist child care problems.
C) Whether or not there will be interruptions of income due to
childbirth.
D)Whether or not you are receiving alimony, child support or
separate maintenance. (Unless voluntarily disclosed as a source of additional income which
you wish to be considered).
E) Whether you are widowed, divorced, or single. (Allowable
designations are: married, unmarried, separated).
I) Whether or not your telephone number is listed.
Lending institutions
must take and report action on your application "within a
reasonable time." If the application is denied, reasons MUST
be given if requested.
5 Ways To Raise Credit Score
It's not as hard as you think to raise credit score. It's a well known fact that lenders will give people with higher credit scores .....
Finding HUD foreclosure properties can be a bit of a dilemma for some. Many people spend time looking through the paper, talking to various realtors who don not know a lot about HUD foreclosure Homes and accompanying programs, and pretty much going around in circles. Smart buyers avoid all that by going to the Foreclosure Data Bank and accessing the many HUD foreclosure properties listed there. A HUD home is more affordable than you think.
Buy a Home
People don't talk about it a lot. But finding the right real estate agent can be the difference between a happy, stress-free home buying or selling experience, and an unhappy, stressful experience.
First, you'll want a Realtor ready and able to make a full-time commitment
to you. Our network of Realtors can and will do that. Whether you are looking to buy or sell your
home or relocating from another area, EXCEEDING EXPECTATIONS IS ONLY AVERAGE!
Second, you'll want a Realtor with
the experience needed to know the local neighborhoods, schools, market conditions,
ordinances, etc. With our years of experience in
the Baltimore and Baltimore County market we have the expertise and track
record of success you need.
Third you'll want a Realtor who embraces the convenience
of technology without losing the personal touch You'll love the resources available on our website
and the e-mail alerts that we send, but these will never replace the time the
Realtor will spend with you, serving as your personal guide through this exciting
process.
A) Discuss your home requirements, including style, location and price.
B) Review specific facts of financial alternatives to determine the price most suited to your financial abilities.
C) Provide information on all homes available in the area of your choice NOT JUST THOSE
Your about to invest a big part of your life. You are building a new home, and you want that home to be perfect. Ever since you were a kid you probably dreamed of owning your own home. Maybe you were thinking of having a large master bedroom, indoor poor, maybe a den to watch […]
Buying HUD Homes - An Opportunity for You unlike Any Other
What’s in your pot of gold? Is it buyimg a home - HUD Homebuying - VA REO Foreclosure? Is it true love? Is it health? Is it wealth and abundance? Is it a more spirit filled life?
My personal promise to you is that I am going to give you the opportunity to open your eyes and your heart to the world of home ownership; to the world where all your dreams become real.
The most important thing you should do before making an offer to buy a home is to get approved for a loan.
How your lender and REALTOR can Craft Your Offer that Cannot Be Refused with a lenders pre-approval letter that guarantee you would be able to get a loan up to a certain amount and can settle with in five days subject to appraisal.
Grab Your pre-approval Now! LendingTree Mortgage Loans
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Use Google right now and do a search on, “Home Buying Guide“. Take a few minutes to click some of the links to see what’s out there and then come right back.
Now, try “Home Buyer Guide” and do the same thing.
Overwhelming, isn’t it?
Home Buying
Your home buying process is well underway. The sellers accepted your offer to purchase. The home is officially under contract and you’re counting down the days to closing. The lender pre-approved you, so buying the house is a sure thing, right?
Union Democrat - More than 1,000 acres of Groveland-area land slated to be developed into the Long Gulch Ranch project is scheduled to be sold in a foreclosure auction next week. The property, off Ferretti Road, is the site of a proposed 372-home subdivision and 18 ... [Tags Cloud: Long Gulch land could be sold at auction]
Plenty of folks that have visited this blog have the opinion that it not only helped in their pursuit for HUD information but also helped them with VA REO foreclosure home listings and find a REALTOR knowledgeable on HUD home buying. […]
Interest
To order your credit report there are three primary credit reporting agencies that you need to contact:
1. Equifax (800-685-1111)
2. Experian (888-397-3742)
3. Trans Union (800-888-4213)
Why should you contact all three credit reporting agencies? The main reason is that different creditors may ...
Read on →
Notable
How To Analyze Any Property In Less Than One Minute Flat!
How many times have you seen a run down vacant property and thought to yourself...that would be a good investment' You see it for several weeks .....
Foreclosure occurs when ...
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EDITORS' PICKS
Palestine Herald-Press - When Krispen Rucker moved to the Palestine area in 1995, she hadn’t planned on becoming a real estate agent. When she attained her real estate license and went to work for Combined Associates in 1998, the Baytown native never thought she’d become ... [Tags Cloud: Rucker honored for work as realtor]
St. Petersburg Times - Am I using a Realtor? Who's someone I know who is rich yet classy? What is my religious faith? When I told her I'm a Christian, Lane put on a CD of instrumental hymns. It was time. I leaned back and closed my eyes, nestling under the blanket. Lane ... [Tags Cloud: You are getting very sleepy ...]
Gulf News - A reader from Dubai (name withheld on request) asks: I have been looking for a villa for four months. When I found the one that's perfect for my family, I handed over a deposit cheque to the real estate agent. He was supposed to get back to me in two ... [Tags Cloud: File a case if realtor increases rent after accepting cheque]
Miami Herald - Dean Isenberg was arrested last month after investigators say he created fake ads on Craigslist.com, posting a former co-worker's phone numbers and personal information. For creating fake, raunchy online escort ads targeting a rival real estate agent ... [Tags Cloud: Realtor pleads guilty in escort ads case]
Herald-Bulletin - ... person’s family resides is the person’s residence unless the family residence is a temporary location for the person’s immediate family (which was not the case with Ockomon) or transient purposes." Ockomon's house was listed with a Realtor. If ... [Tags Cloud: EDITORIAL: Ockomon is the mayor]
Palestine Herald-Press - Dalby said his organization has fielded a few calls from individuals or groups interested in purchasing the property and that all have been referred to a Realtor who is listing the facility because One Southern Indiana has no specific information to ... [Tags Cloud: Colgate to shutter operations ]
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