Rent Reporting = Easiest Way To Build Credit

A lot of people who don’t have much in the way of a credit history do have a history of paying rent on time. If that information showed up on their credit reports, it might help their scores. Rent Reporting can change…

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Why Identity Protection Is Important For You

ShareFollow UsYou would never leave your car unlocked in a busy parking lot with your life’s savings in the back. So you should take another look at how you think about your identity. It’s understandable that you don’t think about it. It’s not as tangible as physical money or valuables, but it is just as, if […]

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Why Rent To Own Homes Are Important

After 2008, people had to really become creative when it came to housing. Rent To Own Homes were an amazing one of theses solutions because it allows you to “test drive” the home before you commit to buying it.

How it works is that the tenant rents the home for a certain amount of time. Say, a year, then when that time is up, they are given the option to purchase the home. Often, they will be paying the down payment for the house a little bit every month proceeding the purchase. That is a portion of their rent during those months of renting.

Why Rent To Ow8233501246_a74b552023_bn Is Important

  • You may also purchase the option to buy the property for a predetermined price at the end of your lease by putting down a payment. With this option in place, you are not bound to purchase at the end of the lease, but meanwhile, the property owner can’t sell to anyone else.
  • Plans like this can appeal to people with little or no savings for a down payment, or people with bad credit or no credit who don’t qualify for traditional mortgages. Including those who lost their homes in foreclosures.
  • Renting to own is also a way to get into a desired neighborhood in a timely matter. As with parents who need to be in school district for their kids, or people who are uncertain of their timeline. It’s a way to get into a house without committing to a 30 year mortgage.

What To You Do Next?Property

The Sub Prime Credit Store’s rent to own program helps you find a home, protects you legally, negotiates your lease, fixes your credit, helps you acquire a loan and close one that real estate. Lets just say it is the one-stop-shop for anything financial. So stop settling. Get into the home of your dreams.

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The Importance Of Insurance Planning

Insurance is kind of like flossing. Everyone knows you should do it, but rarely people actually do. Now that is definitely not a safe way to think about insurance, the thing that could keep you and your family safe in the face of tragedy, but it is the sad reality. It may just be a […]

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The Importance of Debt Validation

Debt Validation is a process of someone challenging a debt collector (collection agency or attorney) to provide written proof of the debt. Why You Should Care About Debt Validation? Have you ever wondered why a collection agency is legally allowed to collect your debt on behalf of the original creditor? Think of it in these […]

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3 Reasons Budget Planning Is Important

Budgeting is the process of creating a plan to spend your money. This spending plan is called a budget. Creating this spending plan allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do.   If you don’t have enough money […]

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Why Tax Preparation Is Important For You

The traditional way of filing taxes used to be so complicated, tedious, and time-consuming, but with the modern ways these days it is possible to effectively file taxes within a shorter amount of time. Since there are programs and tools that makes tax filing so much easier these days, it is now possible to have […]

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Loan vs. Credit Card: Which Should I Get?

Getting strapped for cash is the worst. But when you are in that situation, it is difficult to know what is the right route for you and your wallet. When you need to borrow money to cover an expense, you might consider a credit card or a personal loan. Deciding which is better depends on […]

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3 Things About the Fed Interest Rate Hike You Need to Know

First off, it’s quite astonishing on this news alert that we should be aware of, given the fact that the Federal Reserve hasn’t upped the interest rate in nine straight years…. Until now. And to make it even more interesting, the Federal Reserve plans on increasing that rate four more times in the future. What does […]

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Building Your Home Equity and Improving Your Income

Who knew that simply living in your home would actually build something called home equity? That’s a good thing, by the way. What is “home equity” on your zero-down home from the H.O.P.E. Program, for instance?

Simply Put, Your “Home Equity” Is the Combined-Amount Market Value of Your Home Based on All the Interest You Invested in It

That could easily include anything from renovations to countless mortgage payments over time. So it’s true: you literally could increase the value of your home — simply by living in it, generally speaking.

You can’t ever know what your home’s value is, though, just by lying on your bed eating some Doritos,real estate Doritos though. You have to call your lender and get the figures from him/her. This isn’t an etched-in-stone situation either, as home equity largely does depend on the market itself around your neighborhood. If your real estate market’s hitting it big in your area, you might see that your property’s appreciating much more, increasing the home equity — or the real property value — a lot more substantially than you would think. Hence you might actually get approved for something called a “home equity loan.”

Since you put so much money already into the home — either through your mortgage payments or renovations — there’s some investment paid off to you in the long run in the event you want to sell the home and move out. Gives you a bit of a cushion and makes it a lot easier to answer any questions you may have about the possibility of upgrading to a new dwelling.

Additionally, Your Professional Life Might Also Progress

This can happen naturally. Perhaps you hit a big raise. Or a promotion. Maybe you changed jobs. Who knows. Regardless of home equity, your income somehow increased and you can actually afford a larger mortgage payment, covering all sorts of additional costs such as closing expenses and additional renovations to the new property, wherever it may be. Suddenly the prospect of moving out seems to be that much more plausible.

Things to Consider When Thinking About Moving Out of Your Current Home

You could ponder on a home equity loan with a line of credit to net you some funds for moving out. Or maybe your career has advanced so well that the idea of moving to a different home makes sense. Whatever the case, know that it’s all about finances. If you don’t have the dollars to do it, please don’t do it! If, however, you might be “rolling” in it to some degree, perhaps you can explore the possibility.