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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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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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Credit Repair,Home Renting,Rent-to-Own Homes

Independent Credit Solutions: an RTO Consultant’s Dream

30 Jul , 2015  

We have to admit that most likely your RTO consultant specialist’s easiest job is accessing that qualified list of rent-to-own homes, negotiating with a prospective homeowner/landlord, setting up a showing, and getting you, the new homeowner, into that home. It’s an easy deal. What’s not that easy, though (although your consultant won’t sweat much either on this) is getting you the credit repair services, if necessary, to prepare for the moment you exercise that lease option to buy. It’s essential. independent credit solutions-1You need credit repair, and improvements with your score don’t just happen by osmosis. Plain and simple.

So What Can You Do? You Get Independent Credit Solutions in on the Game!

Make no mistake: the rent-to-own consultants know the deal when it comes to credit repair already. It’s part of the job. Since, though, the BBB A-rated H.O.P.E. Program learned about this brand-new credit repair service, Independent Credit Solutions, as reported in this press release, let’s just say the options are plentiful, and it just makes the job that much easier for your own consultant to ensure you get into that home.

Everyone’s loving the idea, to be honest. H.O.P.E.’s pretty proud of it. Sites like Nationwide Property Values and the Complete Real Estate Site have voiced their opinions about how crucial credit repair really is to home ownership with their own stamps of approval on the new service, Independent Credit Solutions, so it’s pretty clear — you win. Everyone wins.

It’s Important That You Ask Your Consultant About Credit Repair

Even better, go ahead and put in an inquiry with Independent Credit Solutions and get started right now on improving your credit score. Don’t wait. Because when you get to that point to sign on the dotted line to own your own home, the question will be this: will you get that approval, or not? A credit score of 640 or more will definitely ensure the positive!

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Rent-to-Own Homes

One Reason Why Rent-to-Own Deals Don’t Get Done Right: Unfair Stipulations

13 May , 2015  

This just happens to be a matter of fact: rent-to-own deals typically favor the seller. For obvious reasons. Why a seller would even option at a rent-to-own vs. a typical FSBO is obvious. Perhaps the market’s stale, and the seller’s not getting much of a bite on the fair market value and price. So what does the seller do? Opt for a much higher payout later on while the buyer pays rent for a certain period of time. You can see the benefit here.rent to own bear trap

Sadly, the Buyer’s Left Behind in the Dust With a Little Unfair Stipulation

This is generally the case for a lot of situations involving rent-to-own deals — and, no, an attorney can’t always handle the issue, believe it or not. Just another reason why you might want to consider our rent-to-own consultants, as we sidestep all the legal documentation, plus the licensing necessary from state to state (because you do know that a lawyer working in Indiana can’t represent you in California, for example). And we can just help you straight out: the negotiation, the scheduling, the deal.

In the end it’s all about education. We’re guiding all potential home buyers through the steps of rent-to-own deals, ensuring they don’t get their foot stuck in that same ol’ bear trap many sellers unknowingly place just for their own benefit. It’s no joke. There was one instance with an LTO contract that stipulated a buyer’s requirement to make rent payments on time, which is all good…. Until the contract also stipulated that any rent payment late beyond five minutes would renter the contract null and void, leaving the buyer high and dry with no option to buy after all that time and effort in making rent. Gee, thanks.

Those Kinds of Rent-to-Own Deals Stink!

Steer clear of contracts stating that, for sure. But just in case you’re not one to have to read a ton of documents and have your head spinning left and right, always contact us as your consultants to get things squared away.

Because, without a doubt, you deserve to own that home. You’re the one pouring all that money into it!

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Rent-to-Own Homes

How to Find the Right Rent-to-Own Home in Literally Minutes

13 May , 2015  

As you step into this new world, I advise you to check your skepticism out the door. The faithless indeed don’t have a place in this positivism for the United States real estate market! Because while what I’ve just written in the headline could seem to lead you into thinking that you can find a rent-to-own home faster than the Avengers’ Quicksilver can grab a burger a couple blocks down at the local McDonald’s, trust me: with the help of the Internet, and social media, it’s not far from the truth, and you certainly don’t have to have superpowers to do it.

Getting That Rent-to-Own Home in the U.S. Through Social Media’s Overwhelming

Social media’s like that, so don’t feel bad if this is all new to you. I’m sure when Clint Barton, rent to own Avengers Ultronalias Hawkeye, met Quicksilver in Sokovia, he was a bit overwhelmed. A dude that fast would be too much. Social media is just as fast, and for the American real estate industry, that’s a good thing, which is why you go online to get the goods on any rent-to-own home you want, suiting your needs and expectations.

  • The Ultimate Rent to Own Home Program — There’s not much to say against such a program designed to give any member complete and total access to any resource possible in getting that U.S. rent-to-own home. Just check out this review, for one thing.

  • FreeListofRenttoOwnHomes.com — The keyword here is ‘free’. And it’s no gimmick. You don’t need a credit card. You don’t need to make any kind of payment. Simply sign up, and that free list of rent-to-own homes is all yours to explore! If you don’t believe me on it, though, simply read up on this review and be completely blown away by Thor’s hammer.

  • AssistingRenters.com — Talk about going global. This would make even Ultron quake in his metallic boots. Assisting Renters couldn’t be simpler, and yet so gargantuan that the Hulk would think he’s a pipsqueak. The scope of resources available for any home renter — from credit repair to getting that United States rent-to-own home and finally home ownership with zero down — is practically never-ending, and this review says it all.

  • HopetoOwn.com — Every home renter’s goal is to be on the phone with a case manager from H.O.P.E. to Own. That’s a fact. Even if you’re not renting, but simply looking to see if you can get a home mortgage in the States, the H.O.P.E. Program’s a tremendous benefit. Just look at the reviews here.

Here’s the crazy thing about all of this, though. You don’t even need to do all of this to even get lucky enough to find that United States rent-to-own home in no time! Search on YouTube, Facebook, Twitter, or even blogs all over cyberspace, and you’ll realize that there’s a home seller on social media looking for the right buyer. Guaranteed.

Avengers, Assemble, and Give It a Shot. You’ll Be Glad You Did.

Give it a shot like how Iron Man shoots. You know Cap’s right there with you to watch you hit a bull’s eye. That rent-to-own home is as good as yours if you SIGN UP WITH YOUR NAME, U.S. PHONE NUMBER, AND EMAIL, FOR YOUR RTO CONSULTANT RIGHT NOW.

Check them out at RTO Reviews for more info about what they can do for you right now.

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