Tag: H.O.P.E. to Own (page 1 of 4)

How’s This For American Dream: RV Dream, Absolutely Attainable

American Dream…If just the word ‘property’ is crawling under your skin. All that dirt…all that mowing…2-car-garage and a big yard…makes you feel a little dread, a little hee-bee-gee-bees…

I prefer the Tiny House Styled RV here, because it’s American-Dream seeming…AND I can handle it.

The aesthetics are there… which is a fancy way of saying “It’s prettier to me”.

The lower cost and debt to income ratio…is there.

The interest rate for a loan is there…what kind of loan? what kind of credit do I need for the interest rate I can handle? These are question marks.

The Same Story Goes For A Big House, A Normal House or…The American Dream House…Barbie Dream House…My Dream House…The Rigmarole…Rig-A-More-Roll

Something I can easily clean and is designed by the square inch, instead of square foot. I’m a millennial; can you tell?

american dream

Being surrounded by beauty is a main motivator for me, for explorers to take the pains to arrive… in a place new-to-them, and then colonize, assimilate…put up my tiny home and yes, aesthetics had a lot to do with it. Freedom does, too. Aesthetics somehow got left out of the American Dream because it turns out a thing made by hand somehow has more beauty about it than a pre-fab home made by machines (which were made by hand). That level of removal, less beauty is there…being close to nature can heighten a sense of life and remover the aesthetic con…because, a log cabin home won’t be as good log cabin wall paper, or a log cabin looking tiny home…But, I can buy it – or built it myself – and not with Uncle Tom. 

Perhaps I was also/just really really won over by the Barbie Dream House…Oh! So small!

The idea that we can have what we prefer is the American Dream. As an ethos of ideals… that direct our lives…the American Dream headmade of very abstract values grew to have a certain very concrete look to it: A House. The majority of people are a-ok with a cookie cutter home-like-mansions in a suburb..and their freedom of speech, right to bare arms, public roads and (of choice…) schools…Some want more affordable options that have diverse community in an  urban landscape…Just like some would say, Oh! So Cute! The American Dream!…The American Dream grew to have quite a poor reputation, too. Check out Urban Dictionary’s definition. 

Regardless of What Your Dream Looks Like The Steps To Get It Are Similaramerican dream

How To Get What You Dream – In A Systematized, Globalizing World…Use Your Tools!

Get off the grid? I 100% support this dream, however it comes with great start up costs…hence, communes. Haha. More people to spread the cost to create an off-the-grid (new) grid. I joke, but really. Check out this article with excellent infographics to systematize these bits of logic.

Then go for it!! This is another excellent article with how to finance a tiny house….You may need a loan…Click here for a great option.  

“Doug Schroeder, a 20-year veteran of home building founded Alabama-based Timbercraft Tiny Homes late last year. He’d been in the big sea – the big building business but caught on that there’s the whole neglected group of buyers who want something a bit different.” raves an article on H.O.P.E. To Own Musings.
H.O.P.E. To Own Your Own Homes says, “Tumbleweed Tiny House Company goes far beyond providing you a service, but educating you on the new frontier that is tiny home building with the added advantage of mobility. This takes moving “up” in the real estate market to a whole new level.”

Maybe you are more moderate, and tiny homes are not your thing…The word ‘property’ makes your skin prickle with goose-bumps of excitement – because HOME! Or you are an investor who sees the home-glow in the eyes, and human rights or many…and you need connections… ON THE GRID… where living’s easy.

Well, maybe you need better credit reports to get a loan..

The Sub Prime Credit Store Is A Very American One-Stop-Shop For All The Dreams You Didn’t Even Know You Had

 – as your solutions to the obstacles in getting in the way of your dreams! click here.

Fannie Mae Is Fanning the Flames of Their Mortgage Delinquency Rate

Ever tried to build a fire and it got a little out of hand? Sure, you have. As we exit the heat of summer and prepare for the slowly coming Fall season, you can be sure to continue the quiet nights in front of the fire as the falling leaves grace your presence with peace and the warm colors of Autumn as we see the real estate market seem to make its gradual climb into prosperity, particularly for one aspect of the mortgage loan industry of 2015

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Fannie Mae – Looks Like Things Are Looking Up for Mortgage Rates

In particular, it’s been reported that the mortgage delinquency rate saw a decline in July from 1.66% to 1.63%. And that’s not even the most impressive metric so far for this real estate market. Fannie Mae’s feelin’ it as this is the lowest level for mortgage delinquency since – wait for it – 2008!

So, yes – our real estate market is getting better.

However, It’ll Be a While Before Fannie Mae Sees the Fire Go Out Completely

It’s still good news that Fannie Mae’s mortgage delinquency rate’s going down, but here’s the thing: the “norm” for the mortgage delinquency rate is traditionally under 1%. So Fannie Mae’s getting there, albeit a bit slower and more gradual. The statistics and predictions show that by 2017 Fannie Mae’s delinquency rate will hit the under-1% mark.

So keep fanning away, Fannie Mae. You’ll get there.

Why Beach Real Estate Property Can Help De-Stress You From the Daily Grind

Let’s conduct an experiment here: do you have an alarm clock handy? If so, get it out. Plug it in. Next step: let’s hope this alarm clock has one of those features allowing you to loop all sorts of sounds while you sleep. You know what I’m talking about? I’m talking about the synthetic playback of all sorts of nature sounds —

  • Waterfalls
  • Raindrops
  • Wind
  • Crickets
That sort of thing. Go ahead and get this video started, by the way, while reading, and I can guarantee that this will be the best article you’ll ever read today.
I know, I know. You’re probably wondering where I’m going with this, especially when the title does say that this is something about the benefits of beach real estate property, so what am I getting at? Or am I just pulling your strings and leading you on some goose chase?

No Goose Chase Here: Just Beautiful Visuals and a Feast for the Ears

There’s just one more sound you would’ve heard on that video, which also could possibly be on your alarm clock. It’s a popular one. I am, of course, talking about the ever-familiar sound of the surf, perhaps some seagulls in the air, and the gentle crash of waves on the shore. It’s the beach.
Name one individual researching for zero-down homes, and automatically you’ll know that the term “beachfront property” perks people’s ears up real fast. It’s obvious.
The appeal of the getaway, the visuals, sights and lack of city sound make for a great meditative escape, relieving you of stress and recharging you for the next daily grind, whatever it may be.
Your instant benefit is that revitalization. You stay productive. You get the relaxation you need. Heck, some may even resort to their, well, resort every weekend to recharge for Monday and the rest of the workweek. In fact…that’s probably why they call it a “resort”!

Don’t Knock the Beach Real Estate Property

It just might be the best thing to ever happen to you, emotionally, spiritually, even practically from a profession standpoint. I’d go this far to say that you benefit the best as a writer, or an artist. Why?
Not only can you handle more of the ‘marketing’ and business aspect of your job during your regular days in the city, but you can do your work while on vacation. Every weekend. Or on any given week.
Bonus! Don’t cheat, though, and settle for the alarm clock. I’d suggest getting the beachfront property, going for the real thing. It’s always better. 

Playing it Safe With Credit Cards: Pull Lever Only During Emergencies

Whether it’s a lever or a button, if it’s red, you know you could end up dead. Unless it’s an emergency, and you absolutely have to press that button! It’s a last resort. No turning back. Do or die! Exciting, isn’t it?

Well, That’s Actually How Credit Cards Are, Too

They’re like emergency buttons. Or at least that’s how they’re supposed to be. We can read about all the must-do’s and should-have’s when it comes to credit cards, but here’s the thing — the single most important motto you must take with you is this: credit cards must be used only as a last resort.
Against all better judgment, use your credit card as a last resort. If there’s an asteroid coming at you, and you’ve exhausted all measures to try and thwart the big, dumb rock, use your credit card as a last resort. If you have no money, no car, no clothes, no pizza, and no way back home from the Mojave Desert, and all you have on you is a credit card — then, and only then, you must use it as a last resort.

That’s How Credit Cards Were Meant to Be Used

When you think about it, it makes sense. This goes with all sorts of education under your belt, particularly when it benefits your credit repair regimen with Lexington Law. Of course, the experts there will tell you the same thing: prevent the future from collapsing on you and focus on emergencies only when using your credit card.
That means if you can eat it, drink it or use it for your own benefit somehow, better hold off on pulling the plastic and wait until you have some good ol’ fashioned, cold, hard cash. You save yourself some trouble.
That means if your car breaks down, and you don’t have enough cash immediately on you, go ahead and pull the Visa out. If a hurricane hits your home and pulls the roof off and you have to pay off a deductible, I would think it’s okay to get the Mastercard out. You see what I’m saying?

It’s a Minor, Yet Still Extremely Important Measure, to Take When It Comes to a Credit Card

Because you do have to remember one thing: when you contact the H.O.P.E. Program to consider owning your own zero-down home, know that your credit score will matter tremendously. You can’t have a good score, though, without actually using the credit card (or other lines of credit, whatever they may be).

So practice this, above all else: responsibility. And don’t press that emergency button unless it’s absolutely necessary.

Buying a Ferrari With Your Home Equity Loan: a Good Thing or Bad Thing?

The option’s always there, so why not enjoy it? Because you’re a homeowner — and a reliable one at that — that home equity loan is right at your fingertips, and you have every right to use the funds to get whatever you want in terms of disposable goods and services. Believe it or not, though, there’s actually some benefit to shelling out that loan money (only to have to pay it all back) on stuff you may not really ‘need’ (like a Ferrari, for example) —

Your Interest Will Be Deducted for Your Home Equity Money

Fairly fun reason to buy that high-priced car, or boat, or maybe a brand-new beachfront summer home! All that cash you shell out would look nice on your 2-hour tax return, no doubt, and needless to say, that’s a great reward for your hard work in maintaining your mortgage payments right down to the day, every month, every year.
Pay close attention to the slight negatives, though, and it may be a big one (depending on your health)

Watch Out for Medical Bills and Other Emergencies

You’ve seen the deal regarding emergencies, especially with credit cards. The problem with getting hit hard on the unexpected front is that, lo and behold, you’re still saddled with this one home equity loan for your zero-down home from H.O.P.E. to Own that you have to pay off, thinking, “oh, man, if I only had these funds to pay for my heart surgery or Lasik!” It’s unfortunate.
Even worse, you might have that Ferrari traded in (or out of commission due to an accident you had because of your bad eyesight since you didn’t get that Lasik surgery), and you’re as healthy as a horse — and you’ll still have those equity home loan payments to make until you’re all caught up. That’s where a loan doesn’t seem so fun to have!

Just Be Prepared

That ‘free’ money matters so much, so do enjoy it — to an extent. Maybe you don’t need the Ferrari. Who knows. But just know that the home equity loan is there — for anything you want! And that, my friends, might be a good thing or bad thing as well.

Why the Guardians of the Galaxy Might Be Investing in Real Estate Soon

Just ask Star-Lord. He’s all about opportunity. And Groot’s just Groot. However, even in the wide array of the Milky Way Galaxy, the Guardians can see that real estate technology can be the wave of the future and a virtual black hole of possibilities ensuring that everyone’s supercharged for the next best battle on the home front.

Real Estate Technology at Its Best

Out of all real estate trends for 2015, this stands as the one people are probably the most excited about. Even a talking racoon would be excited about this. Let’s just hope you don’t pimp out your home with streamlined costs in cloud-controlled security cameras to beef up your protection.

Additionally, you can check to see if the Rocket Raccoon’s making moves with motion sensors built in around your home. And with all the security at your fingertips, you just might not need to worry about having Gamora and Drax the Destroyer on call to whip some burglar tail in your home.

Technology Makes Home Living That Much Easier

But before you do, visit H.O.P.E. to Own to get in on the fast track with a zero-down home. Who knows — you, too, just might be a “guardian of the galaxy” — or a collaborating member of the Avengers, maybe? — after hitting your 640, getting the keys to your house, and moving in faster than light speed.

Why Your Beachfront Investment Property Might Lose You Money in 2015

Did you notice that it’s not summer right now? Yes. There’s snow on the ground. That blizzard occurred over on the east coast, record numbers, and the Midwest isn’t any slouch either. You can imagine, too, a lot of the summery spots don’t see a lot of action, because, yes, the temperatures drop and people start migrating back to where stores are still open and people can get some hot chocolate down their pipes.

Face it: your beachfront investment property’s down for the count (at least until the temp warms up and people flock back to the wind, sand and surf). What does that mean? It certainly doesn’t mean you’ve missed out on the H.O.P.E. Program and your prospects for a zero-down home.

You’re Losing Money, Though. A Lot of It.

It’s to be expected, and you’re probably prepared for it. After reading about all the disadvantages to having beachfront property, you practically dread it. Perhaps you offset the lost revenue by upping your prices on tenants, and that’s all fine and dandy, particularly when weather becomes an issue. You’ve got to pay for repairs, upkeep and maintenance, and it can get costly.
Is it all worth it, though? It depends.
If you notice: beachfront properties are known not only for the sand and surf, but for the stores and commerce associated with it. You buy your t-shirts, candy, surfboards, board shorts, coolers and kites. Economy soars for those communities, but when the winter hits, it all shuts down. It might not hurt you at all, but just in case you’re running a business in that community, not only do you have to worry about maintaining the beachfront home, you also have to worry about maintaining any bills you have for businesses you own.

Consider Your Finances Carefully

If you play your cards right, you just might sit fine on a beachfront property, perhaps living in it all year round. After all, grocery stores would still be open. You’d have all your necessities. As an investment property, though, consider that you might be pouring more money into it than getting out of it. Just a thought.

The post Why Your Beachfront Investment Property Might Lose You Money in 2015 appeared first on The Complete Real Estate Site.

Avoiding Cabin Fever by Enjoying the Outdoors

Whether you’re in a mansion or a cabin, follow this basic rule of thumb: always try to get outside! Enjoy the sun. Enjoy the air. After all, your body needs that oxygen! What happens when you don’t get those basic necessities: cabin fever.

The Scientific Study of “Cabin Fever”

Yes, this is a real thing. Not a movie. Not anything involving issues with “The Purge” and some apocalyptic universal one-day-in-a-year-crime-is-legal mentality. There have been cases of people going basically stir crazy in their homes due to a claustrophobic reaction resulting from isolation and small spaces (something to watch out for in a tiny Maine house? Maybe not.).
Interestingly enough, this phenomenon called “cabin fever” first recorded and studied back in 1838 isn’t so much about the space as it is the options available to pass the time away. When you think about it like that, the extreme irritability, paranoia and restlessness typical of someone suffering from cabin fever’s a no-brainer as far as the antidote — you need to get out, man!
Walk out of the door. Into the sunshine. And explore, for crying out loud. After all, the outdoors even benefit marketing campaigns, and that’s for people who are actually at work! We humans were meant to be outside; just ask Adam and Eve.
This doesn’t mean, though, that you can’t live on a boat, or a cabin, or a small mobile home for a lengthy period of time. You can. You just need to bring the outdoors into your daily living as well. The tiny isolated home you live in then just becomes an extension of your lifestyle.
This largely is supported by the fact that you can still go stir crazy even in a massive mansion (I’d venture to say that you can go crazier with all that space).

Home Isn’t Just a ‘House’

You, therefore, when approaching the H.O.P.E. Program for the prospect of getting a zero-down mortgage, don’t worry so much about square footage. Just a thought. Think function versus trend or satisfaction. Happiness comes from within, and then with that happiness, you make the home. You don’t make the home with an in-ground pool, trendy curb appeal, and a spiffy mailbox (although that could help a little, I guess).

The Double-Edge Sword of Real Estate: Future Property Developments

Real estate’s like gambling when you think about it. You’re basically betting on a property hitting it big. You don’t know if it’s going to hit big. You have certain factors on your side, though: property values, assessments, location, trends, that sort of thing. But you can never be sure of what’s going to happen. Even if you’re just a potential home buyer looking for your zero-down home through H.O.P.E. to Own, you’re never sure if that home’s going to turn into a good investment on your end in the future just in case you plan on mortgage refinancing or moving out.

More so is the fact that you never know what’s going to happen to property developments around
your particular real estate in question! That’s what this is all about.

Future Property Developments: Will They Help You or Hurt You?

This takes some real estate research, far beyond what you’re accustomed to, just so you know. After all, if you invest or purchase a home in a development that may face vacancies or additional land developments, that may just have a tremendous effect on the future supply and home pricing around you.
Other such issues can include soon-to-be governmental prospects on developments for new schools, hospitals, changes in zoning and traffic for better flow or access to other amenities and that sort of thing. If changes are made around you — for better or worse, specifically for you — you could be looking at a good thing…. Or a bad thing.

It’s a Gamble. But What Do You Expect?

Shoot the tables and see what you come up with, I guess. You go in with great knowledge and technique, though, as a real estate investor. Whether it’s beachfront real estate or just a single-family home in a neighborhood — whatever the case, wherever the chips fall, if you have some idea of what’s going to happen in the future, you’ll have some idea of just what you might net in terms of ROI, or property value.
Lucky seven.

(via What Are the Top 4 HOPE Program Instagrams?)

(via What Are the Top 4 HOPE Program Instagrams?)

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