tag:blogger.com,1999:blog-32750372Wed, 30 Sep 2009 05:37:00 +0000I am temporarily homeless and have bad credit. The challenge then is to see if all those late night informercials on buying real estate with nothing down have any substance. Although this Blog was created after I chanced upon Robert Allen's book The Challenge it is in no way affiliated with him or any other real estate "guru". My success or failure rests squarely upon my own shoulders.http://www.ownahomewithbadcredit.com/blog/noreply@blogger.com (Chris)Blogger58125tag:blogger.com,1999:blog-32750372.post-2235727191082979085Tue, 30 Jun 2009 23:10:00 +00002009-06-30T16:10:01.115-07:00housing marketmortgagecredit managementhome equitymortgage refinancedebt managementdebt consolidationThe home equity loan has become one of the most popular lending choices available to consumers. Remember that equity refers to the difference between what is owed in on the property and its value. If you’ve made a good investment, you could have a boatload of equity in your home but the question is how to wisely use that home equity loan.Use #1 – Consolidate DebtProbably the most common way to http://www.ownahomewithbadcredit.com/blog/2009/06/three-uses-for-your-home-equity-loan.htmlnoreply@blogger.com (Chris)1tag:blogger.com,1999:blog-32750372.post-3135764681068032271Mon, 29 Jun 2009 20:59:00 +00002009-06-29T13:59:00.317-07:00debt settlementdebt managementdebt consolidationThese days, loan modification is a popular topic. Everyone is talking about loan modification programs and most are interested to find out if loan modification is a possibility for them.Are you wondering if loan modification is for you and if you qualify for it?If you have suffered a hardship that has reduced your income, you very likely could qualify for a loan modification. Having a source of http://www.ownahomewithbadcredit.com/blog/2009/06/loan-modification-for-those-still.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-7592698809241749401Mon, 29 Jun 2009 01:56:00 +00002009-06-28T18:56:01.600-07:00mortgage ratesmortgageMortgage Rates spiked up this week. The 30 year rate jumped from 4.91 to 5.29. This is the highest we have seen mortgage rates all year. Last week mortgage rates moved from 4.82 to 4.91 last week. What is interesting is that in two weeks mortgage rates have moved from near all time lows (the all time low was 4.78) to the highest point of the year. The 15 year rate moved up from 4.53 to 4.79. We http://www.ownahomewithbadcredit.com/blog/2009/06/mortgage-rates-spike-up-rapidly.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-3659563995039825809Sun, 28 Jun 2009 01:37:00 +00002009-06-27T18:37:00.222-07:00credit repaircredit ratingcreditcredit managementcredit cardsThese days its not hard find ourselves a little over our heads when it comes to debt. This can lower our credit score and cause our credit reports to be filled by creditors with late and past-due payment notices. When you find yourself in such a situation, a credit repair company can work to lower your payments and rebuild your good credit rating.First you have to provide a copy of your credit http://www.ownahomewithbadcredit.com/blog/2009/06/how-to-repair-your-credit.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-6153997341690304611Fri, 26 Jun 2009 21:08:00 +00002009-06-26T14:08:00.247-07:00housing marketmortgage ratesmortgageforeclosureBoise real estate professionals have been surprised to learn that the wave of foreclosure-related incidents, which have been sweeping across the US are not only affecting homeowners but renters as well. Recently everyone has become aware of how the mortgage and housing crisis is affecting mortgage companies and homeowners, not many people realize that renters are being evicted in record numbers http://www.ownahomewithbadcredit.com/blog/2009/06/foreclosure-crisis-hits-us-tenants.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-5943482518889118601Thu, 25 Jun 2009 22:53:00 +00002009-06-25T15:53:01.125-07:00mortgage ratesmortgageadjustable rate mortgagemortgage refinanceSVRfixed rate mortgageIf you're currently better off thanks to your mortgage provider's low standard variable rate (SVR), you probably won't be considering a switch to a new mortgage deal. However, with fixed rate deals currently at a low level, and the possibility that interest rates will start going up, you may want to think again.What's next for rates?No-one knows when - and how quickly - the base rate will rise, http://www.ownahomewithbadcredit.com/blog/2009/06/svr-v-fixed-rate-mortgages-is-it-time.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-2574652622488714417Wed, 24 Jun 2009 22:05:00 +00002009-06-24T15:05:02.911-07:00real estatemortgagereal estate auctionThere are innumerous cities in the U.S. where builders are holding new home auctions ... and not on the courthouse steps! If you want to find some good ones, just do a simple search on the Internet. You may also check with local builders, or call some of the real estate agencies in your area. Builders will sometimes use incentives to entice real estate agents to bring potential buyers. Typically http://www.ownahomewithbadcredit.com/blog/2009/06/real-estate-auctions-find-great-deals.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-5976749589212056618Tue, 23 Jun 2009 14:33:00 +00002009-06-23T07:33:00.633-07:00creditcredit cardsprepaid credit cardsdebt managementIt's advisable that credit cards should still be regarded with importance and proper care as there is money invested in them. Same comes with security on the card. Going over the credibility and standards of the bank, besides, their policies must also be met to ensure that everything you must have in a credit card is successfully achieved. More and more banking frauds are just around the corner http://www.ownahomewithbadcredit.com/blog/2009/06/starting-off-with-prepaid-credit-cards.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-112236877977092319Tue, 23 Jun 2009 03:50:00 +00002009-06-22T20:50:01.406-07:00real estatehome equitymortgage refinanceVery simply, equity release is a scheme that allows elderly homeowners to free up some or all of the value (the equity) tied up in their place of residence. Despite their indisputable popularity, the Consumers' Association magazine Which? Has branded the schemes as expensive and inflexible, to be used only as a last resort.Although there are currently more than 40 variants of equity release http://www.ownahomewithbadcredit.com/blog/2009/06/guide-to-equity-release.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-5760707960201976922Sun, 21 Jun 2009 13:29:00 +00002009-06-21T06:29:01.445-07:00credit ratingdebt settlementcredit managementcredit cardscredit scoredebt managementCredit help has impact on every financial aspect of your life. It is the means of support of a concrete financial plan of action. Your credit score concerns your aptitude to qualify for loans, and credit cards have a major impact on your credit, both positively and negatively. If you are ignore about how credit works and end up with a poor credit rating, it can upset you economically and http://www.ownahomewithbadcredit.com/blog/2009/06/know-important-aspects-of-credit-issues.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-109196048444894183Sat, 20 Jun 2009 20:47:00 +00002009-06-20T13:47:01.016-07:00refinancemortgage ratesmortgagemortgage refinanceIf you've been debating about whether or not home refinancing is the right choice for you, the best way to decide is by exploring a few of the best reasons available. Below are some of those reasons.Reason #1 - Saving MoneyProbably the best reason for home refinancing is to save money, but there are several ways to accomplish this effectively. First, you can simply get a new loan which has a http://www.ownahomewithbadcredit.com/blog/2009/06/three-solid-reasons-for-home.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-4719065359748404236Fri, 19 Jun 2009 21:25:00 +00002009-06-19T14:25:00.785-07:00credit ratingcredit managementcredit cardscredit scoreIf you’ve never applied for a credit card, the whole process can seem quite daunting. And with so many companies offering different deals, there are lots of things to consider.Some entice customers with reward deals, while others offer interest free rates for an introductory period. The truth is, there’s no one single card that tops the list!The trick is to work out exactly what you want the cardhttp://www.ownahomewithbadcredit.com/blog/2009/06/six-easy-steps-to-applying-for-credit.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-1838735490231825514Fri, 19 Jun 2009 02:01:00 +00002009-06-18T19:01:02.839-07:00housing markethousing pricesWhether the housing market is going to settle down is among many economic issues that are being speculated on right now. Most people believe, though, that the market is getting better than it was last year.When it first started experiencing problems it was generally a result of the economic slowdown and problems that were being seen in the US. Eventually these difficulties drifted over to the UK http://www.ownahomewithbadcredit.com/blog/2009/06/is-housing-market-looking-to-settle.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-4492713307023276141Wed, 17 Jun 2009 21:42:00 +00002009-06-17T14:42:01.101-07:00refinancemortgage ratesmortgagemortgage refinanceOffering a silver lining to the cloudy economy, President Obama encouraged Americans to take advantage of the lowest mortgage rates on record by refinancing their homes. According to the Associated Press, Obama said in a recent press conference, "The main message we want to send today is there are 7 to 9 million people across the country who right now could be taking advantage of lower mortgage http://www.ownahomewithbadcredit.com/blog/2009/06/patriotic-refinancing.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-9004536396709266644Tue, 16 Jun 2009 22:20:00 +00002009-06-16T15:20:00.443-07:00credit cardsbarclaysdebt managementKeeping up with who owns what in the financial services industry is never easy, particularly when it comes to credit cards.And, it's just got even more confusing thanks to the recent wave of consolidation in the banking sector, creating anomalies where banks have the same parent company but a different credit card provider.Who owns what?One of the UK's biggest credit card providers is MBNA Europehttp://www.ownahomewithbadcredit.com/blog/2009/06/credit-cards-who-owns-your-plastic.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-5132455222771740732Tue, 16 Jun 2009 01:45:00 +00002009-06-15T18:46:52.128-07:00mortgage ratesmortgagemortgage refinancemortgage brokerThere was not much movement in most of the major mortgage products this week. The 30 year rate dropped from 4.86 to 4.82. This is only slightly above the 4.78 all time low that was reached a few weeks ago. The 15 year rate dropped from 4.52 to 4.50. There was some interesting movement with the 5 and 1 year arm. The 5 year arm dropped from 4.82 to 4.79. At the same time the 1 year arm rose from http://www.ownahomewithbadcredit.com/blog/2009/06/mortgage-rates-hover-near-all-time-lows.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-5184785647297397483Tue, 16 Jun 2009 01:07:00 +00002009-06-15T18:19:44.353-07:00credit managementcredit cardsbad credit loansdebt consolidation"We said that big banks can no longer take advantage of hardworking Americans," Senate Majority Leader Harry Reid, D-Nev., said of the recent legislation that will restrict rate hikes and late fees charged by credit card companies. But some out there argue that credit card holders are just as culpable. It seems there is a fine line between who is really to blame: the companies that provide the http://www.ownahomewithbadcredit.com/blog/2009/06/look-at-credit-cards-psychology-of.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-3165595871783637676Sun, 30 Nov 2008 21:34:00 +00002008-11-29T12:37:40.630-08:00paycheck loansbad credit loansshort term loansNo matter how hard we plan to handle all of life’s unexpected emergencies, it seem that something always comes up that requires a short term loan. You may find that your car has broken down, that you need to have medical treatment that was unexpected, or maybe you have a relative that you need to go visit. You can use a short term loan to help you deal with these issues. Short term loans are a http://www.ownahomewithbadcredit.com/blog/2008/11/handling-necessities-with-short-term.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-4234380768496316830Sat, 29 Nov 2008 20:31:00 +00002008-11-29T12:33:38.621-08:00credit repaircredit ratingimprove credit ratingcredit scorebad credit loansYour personal credit rating is the only impression many credit lenders get of you prior to giving you a line of credit. If you fail to ensure your credit rating is high enough, chances are good you will undermine yourself in terms of getting the loans you want, getting insurance for your home and car and even stop yourself from getting the job that you want. To build your personal credit rating, http://www.ownahomewithbadcredit.com/blog/2008/11/building-up-your-personal-credit-rating.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-3967861648239475809Sun, 31 Aug 2008 20:23:00 +00002008-08-31T13:23:00.513-07:00credit repairdebt settlementdebt consolidationOne of the primary reasons people fear enrolling into a debt settlement program is that they fear credit damage. This article examines how and why debt settlement can hurt one’s credit score and the expected damage from utilizing such a service.Debt settlement itself does not hurt one’s credit. Unlike bankruptcy, it does not appear as separate listing on one’s credit report that independently http://www.ownahomewithbadcredit.com/blog/2008/08/debt-settlement-and-credit-damage.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-7827100135246968856Sun, 31 Aug 2008 01:22:00 +00002008-08-30T18:22:00.532-07:00bad credit loansdebt consolidationWith the renewed paying capacity, a borrower who wanted a loan with bad credit must take advantage of the debt consolidation loan by paying this single loan payment on time and without fail, and finding the way towards improving the credit score.Any borrower with sizable debts must have accumulated it from various credit sources such as credit card, mortgages, and student loans among many others.http://www.ownahomewithbadcredit.com/blog/2008/08/loan-with-bad-credit-debt-consolidation.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-7015547166344664654Tue, 26 Aug 2008 13:19:00 +00002008-08-26T06:19:00.272-07:00armmortgageadjustable rate mortgageMortgage interest rates were virtually unchanged this week. The 30 Year rate stayed even at 6.52. The 15 year rate moved up a little from 6.07 to 6.10 and the 5 year arm moved down from 6.07 to 6.05. The only rate that moved much was the one year are which fell from 5.27 to 5.22. The one year Arm had the biggest fall last week as well. So in total for the last two weeks the 1 year arm has fallen http://www.ownahomewithbadcredit.com/blog/2008/08/mortgage-interest-rates-keep-steady.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-6602517084663099249Mon, 25 Aug 2008 21:16:00 +00002008-08-25T14:16:00.244-07:00mortgagemortgage brokerA mortgage broker is able to utilise industry knowledge and experience to source deals that can be beneficial to an applicant. Thanks to legislation in favour of the consumer, the broker must offer advice that is appropriate to the applicant’s circumstances and can be held financially liable if their information or advice is later found to be defective or misleading.Therefore a broker must assesshttp://www.ownahomewithbadcredit.com/blog/2008/08/beginners-guide-to-using-mortgage.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-5069052226811236886Mon, 25 Aug 2008 01:14:00 +00002008-08-24T18:16:11.977-07:00refinancemortgage ratesmortgagehome equityWhen looking at home mortgage refinancing, rates and terms of the loan are critical. The rate is the amount of interest that you will be applied to the unpaid principal during each loan payment period, while the term is the length of time before the loan is paid off. It is important to understand how various combinations of these two factors affect the total cost of your loan. Make certain that http://www.ownahomewithbadcredit.com/blog/2008/08/home-mortgage-refinancing-how-rates-and.htmlnoreply@blogger.com (Chris)0tag:blogger.com,1999:blog-32750372.post-8329096074614724564Tue, 18 Dec 2007 21:55:00 +00002007-12-18T13:59:03.869-08:00This video covers the need to understand why the bad credit rating, is it a short or long term problem?Also touches upon getting mortgages post-bankruptcy, wether you have bruised or bad credit.http://www.ownahomewithbadcredit.com/blog/2007/12/bad-credit-mortgage-video.htmlnoreply@blogger.com (Chris)0