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A House Divided Doesn’t Necessarily Mean Bad Tax Advice

22 Jan , 2016  

Considering the fact that the marriage failed in a home with bad memories often contributes to the decision for both soon-to-be ex-spouses…

Condominiums,Credit Repair,HOAs,Home Mortgages,Home Renting,Home Selling,Land Contracts,Landlords,Real Estate Market,Rent-to-Own Homes,Taxes

One Thing to Know About the USDA Mortgage Loan: Take a Look at Your Income

22 Jan , 2016  

Don’t get us wrong, though: the USDA mortgage is quite the secret in the real estate market. Just check this article out for yourself. If there was a way for someone to get a home loan approval fast and easy, it would be the USDA. But there are certain guidelines to keep in mind.

Keep an Eye on Your Income and Your Debt

It’s called the debt-to-income ratio. How much debt do you have? Is it ruining your credit? Do you need Lexington Law or Independent Credit Solutions to help you through those muddy waters? Good. Do it. But bear in mind that if the debt, plus the mortgage amount, just happens to be over 31% of your actual monthly income, the specific loan might be a no for you.
The VA program, another mortgage program out there, sticks to the similar rule: 41% is their measuring stick. Jumbo mortgage loans, the conventional ones, however, tend to stick to lower ratios overall given the assumption that when you take out a home loan, you’re entrusted to pay it every month despite whatever debt you already have.

And That’s What the Mortgage Guideline Is For:

It’s to protect you from buying a home that might be too expensive. When debt continues to drown you out, foreclosure commences. That’s something this real estate market won’t want given the growth we’re seeing in down payment averages and home prices.
So what should you do? Get on the right path, and without a doubt, the USDA mortgage loan might be your best bet, because it has plenty of benefits! Clean up your debt. Fix your credit. Sign up with the HOPE Program.

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Condominiums,Credit Repair,HOAs,Home Mortgages,Home Renting,Home Selling,Land Contracts,Landlords,Real Estate Market,Rent-to-Own Homes,Taxes

#ITPN   #Taxes  #Finance #RealEstate #Business #Investments

22 Jan , 2016  

#ITPN   #Taxes  #Finance #RealEstate #Business #Investments

Income Tax Planning » Blog Archive » The 1031 Exchange: Building Bigger Houses of Cards

We’re sure many wonder just how people get rich: tenacity. That’s the only way we can describe it. It all boils down to how you buy a candy bar for a buck and then sell it for two bucks. Simple as that. Increase the scale as high as you want to go, and you have a major money maker on your hands.

The post #ITPN   #Taxes  #Finance #RealEstate #Business #Investments appeared first on The Complete Real Estate Site.

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Home Mortgages,Real Estate Market,Rent-to-Own Homes

The HOPE Program Says You Can Get a Home Zero Down

19 Jan , 2016  

One check of these reviews and the ever-growing social fan base on pages like Facebook and Google+, and you begin to wonder: maybe this H.O.P.E. Program knows what they’re talking about! However, we can understand the skepticism: the real estate market’s cutthroat, what with the growing mortgage trends and the insane home prices skyrocketing like Elon Musk and the SpaceX Program. Perhaps we can get this real estate rocket to land on the barge like they’re planning to do, but make no mistake — H.O.P.E. to Own’s not far from that. Here’s why:

The Fact Is the HOPE Program Doesn’t Have to Claim Anything: theget a home zero down-1 Mortgage Industry Has the Answer:

It’s called the USDA home mortgage. A plan many don’t know about, but many should. To get a home zero down may just be as easy as applying for a USDA home mortgage precisely because this is one of two particular plans where you don’t have to make a down payment — and with down payment averages rising in areas around the nation, that’s great news.

The only other plan out there that allows borrowers to get a home zero down is the VA. Not even the FHA program allows it — typically a 3.5% down payment is customary, and that’s pretty low compared to some of the averages we see. You can imagine that as you discuss your plans with your rent-to-own consultant about the time coming for you to buy the property you’re living in, if you want to save on that down payment, chances are you might want to go with a USDA.

To Get a Home Zero Down, the Main Point Is This:

The USDA home mortgage program will actually lend a loan that could very well be up to the property’s actual appraised value! That’s saying a lot. Forget the down payment. You’re basically golden with the USDA home mortgage. Sign up right now to find out what your options are, and then get in contact with H.O.P.E. today. You never know — the USDA might be right for you. Learn more about the USDA right here.

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Home Mortgages,Home Renting,Real Estate Market,Rent-to-Own Homes

4 Top Retweets for Mortgage Industry Developments

10 Nov , 2015  

The mortgage landscape changes almost on a daily basis, people! And you don’t always have a newspaper on hand, nor can you haul a television with you everywhere you go. What do you need? You just need a Twitter update to get the goods on mortgage industry developments — because, since you’re here on the RTO Consultants website looking for help in finding the right rent-to-own home, you’re obviously interested in what’s going on with the real estate market and industry.

But Why Twitter? How Can Twitter Provide the Inside Look at Mortgage Industry Developments for Today?

It just so happens that we have some relevant retweets on what’s been happening in the news for mortgage industry developments, and the keyword is this — retweet. That means the news are circulating the Twittersphere, and not just anybody’s passing the information on. The very best real estate professionals today are doing it. They’re tweeting, retweeting and “favoriting” literally every day. That should tell you something.

But don’t take our word for it; check out these retweets on mortgage industry developments right now:

And That’s Only the Start When It Comes to Social Media Excellence in Real Estate

Twitter’s chock full of information from all the key real estate players you can expect, so it makes sense especially if you’re in the market for an RTO home. Want to know what’s trending? You get on Twitter. Get on the entirety that is social media, in fact. You can do it on your tablet or phone while riding a train or sitting at the park, too.

Take advantage of the technology. Because one thing’s for sure — you’ll be ahead of the game in terms of finding the best deals, the best properties, and the best people to work with for an industry that requires the most collaboration. Social media does it best.

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Home Mortgages,Real Estate Market,Rent-to-Own Homes

The Calculated Real Estate Risk on Interest-Only Mortgages

31 Aug , 2015  

We’d like to say that we’re probably a lot more responsible with the real estate market these days given the massive Armageddon we experienced about nine years ago. Here’s the hope that we are — because the very thing that contributed to the real estate crash, that toxic anomaly causing our houses of cards to crumble called interest-only mortgages, is just now starting to make a serious revival in the real estate industry, but here’s the shocker:

Interest-Only Mortgages Might Be a Welcome Hand in This Rising Real interest-only mortgagesEstate Market!

After all, with reputable services offered by a collaborative conglomerate like the BBB A-rated H.O.P.E. Program, credit repair and tax services with the ITPN (Income Tax Planning Network), and Ultimate Identity Protection — and, of course, us here at the Rent-to-Own Consultants — it’s no wonder that somehow, even after the disaster that was the housing crash all those years ago, our real estate market’s making a comeback.

This means more options for home buyers. More potential for prospective homeowners. More flexibility for mortgages in 2015. These interest-only mortgages are now an option. The interest-only mortgages are just another way for someone to secure approval for that home loan and get into that house.

Of Course, Lenders Are Still Calmly Cautious

It’s about responsibility when you think about it. So there are safeguards, like 20% down and a 720 FICO credit score, for example. Those interest-only mortgages come with them a sense of risk that might make lenders — and homeowners — fall flat on their faces. However, if homeowners are responsible enough with their finances, perhaps have built their credit through rent-to-own homes, and know what they’re getting into, they’re not only benefiting themselves, but an entire real estate industry.

I call that faith. Faith against the Armageddon that was the housing crash. We can just see the angels singing from above.

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