Another ULTIMATE Rent-to-Own Home Program: Listen Up!

Not to confuse you too much, as we’ve already heard so much about this one Ultimate Rent-to-Own Home Program all over cyberspace, getting people like yourselves access to everything from a free list of rent-to-own homes, to consultations, credit repair, identity theft protection and legal assistance. But did you know that there’s yet another ultimate rent-to-own home program supported by an A-lister with the BBB (the H.O.P.E. Program) out there emphasizing the consultation side? Pretty sweet.

And for Good Reason: This Ultimate Rent-to-Own Home Program Is All About the Negotiations. Education. Instruction.

Check out RenttoOwnConsultants.com. The Rent-to-Own Consultants do exactly that: they mediate forrent to own listening you. The thing about rent-to-owns is that you’re often all on your own, negotiating with a rent-to-own landlord — who may be nothing more than another homeowner knowing absolutely nothing about contractual law and real estate guidelines — to set up the most equitable deal.

In all honesty, that’s largely why some people might even frown on rent-to-own agreements. The purpose of a rent-to-own is to benefit the home seller, in all honesty, going for a larger rent payment in exchange for handing over the title when the time comes for the tenant to purchase the property and become the new homeowner.

People don’t understand, though, that this does, in fact, benefit the prospective home renter as well. It’s convenient. Flexible. Something the Ultimate Rent-to-Own Home Program supports tremendously. The lease option to purchase gives the occupant a lot of wiggle room to determine whether or not he or she will stick around in time for the rent payments to accumulate, resulting in a lower down payment to purchase the property. Of course, when the rent-to-own agreement is about to be drafted, both the home seller and home renter agree on a final down payment purchase price dependent on the amount of rent above the monthly market value, plus the mortgage payment after closing costs over what’s left on the total price.

Sounds like a lot of work? That’s because it is. And that’s where the Rent-to-Own Consultants come in.

More Help Always Helps, Doesn’t It?

The Ultimate Rent-to-Own Home Program — the real one at least — will take you really far as it is. If you don’t believe me, check out review after review after review yourself! But just in case you want a little more assistance, though, these additional consultants can do the job better than anybody else. Give it a shot. You never know: you just might get a pretty good house, credit improvement, and a low down payment, and easy mortgage payments — all because your ears were to the grindstone here at the Complete Real Estate Site. Where you learn everything you need to know.

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

Looking for a Retirement Town? Try Bangor, Maine

Getting away from a life lived in hectic disarray with kids, jobs, 401Ks and home improvements to advance the return on investment ultimately seems like the true goal of retirement, so it’s no wonder that many would look at certain cities out there catering to that demographic. What would make for the best retirement town, though, for just a place anyone can settle down in and breathe the fresh air? Think east coast. Think way up there where time slows down to a crawl. Yes, it’s a small town (and some might think that’s tried and trite), but this particular city’s so much more.

Bangor, Maine: A Unique Retirement TownBangor retirement town

The quiet’s all good for a retirement town. Don’t get me wrong. Sometimes it can drive a person stir crazy, though, hence why fellowship and good times often will retirement that much sweeter. Bangor, Maine, brings that mentality to a retirement town in great fashion, and not just because the home prices and mortgage payment medians are so low.

You’re surrounded by nature here in Bangor, Maine. If you enjoy the cold, hot chocolate and sweaters out in a log cabin, Bangor could be the ticket of a spectacular retirement town. There’s something better to enjoy, though, when it comes to this retirement town:

Try music. Music everywhere. Bangor’s actually known for their annual 3-day American Folk Festival. The best part? It’s free. This is the true benefit for retirees looking for a spot-on retirement home all because of the fixed-incomes. You can live and enjoy life without having to shell out a lot of money.

While state taxes on pensions do exist, you’ll benefit from the lack thereof regarding social security, so this might be a pretty decent go for you. Just one thing….

You Might Want to Get Used to the Snow

Maybe you like hockey, sledding and skiing? If so, more power to you. When looking for a retirement town, if you’re in the real estate market for those sorts of things, head to Bangor, Maine. And enjoy that hot chocolate while you’re at it.

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.

3 Questions You Should Ask as You Consider Moving “Up” in the Real Estate Market

If you’ve clicked on this, you’re probably asking the ultimate question of the universe for those individuals and families progressing toward the next step in life. Whether you’re knee-deep in the real estate market as a renter and seeking a prospect for new home ownership, or you’re currently a homeowner looking to upgrade for more square footage (more rooms, increased space, accommodating more family members), the fact is you’re at a crossroads: should you move forward? Should you move “up” in this real estate market? Yes or no? Should you contact H.O.P.E. to Own, seeing if you can get a lender’s approval for a home mortgage? (Yes)

Before You Even Ask That Question, Though, There Are Three More You Must Address….

Tricky real estate market you’ve got there…. You’re faced with a lot of planning issues, because the odd real estate highwaything about the real estate market is that it’s a lot like a 1-way highway with just one on-ramp and only a few exit ramps for the next thousand miles or so. Once you get on, you have a long time before you’re able to get off — and getting off will land you in the middle of nowhere. Not a fun place to be in the real estate market.

What I mean by that is that you can make a decision, find a better place — and realize that you’re in a much worse place than you were in before. There’s no going back. You might be caught in a money pit, shelling out dollars you don’t have to pay for repairs you don’t want, for instance. Or perhaps the relocation loses you on some amenities you once had. It’s such a risk: this question about moving “up” in the real estate market. You can be better prepared, though, if you ask (and then answer, of course) these three imperative questions:

  1. “Do I Have Good Enough Finances to Manage a Move With My Current Equity?” — Maybe, maybe not. Improving your income and home equity may be a must for the renter or homeowner seeking a move “up” in the real estate market.
  2. “Are there sufficient options out there in the market?” — The real estate market’s very much like an up-and-down wave, trends rising and falling regularly. Sometimes the supply of available homes are aplenty, and sometimes they’re not. Check and see how the real estate market looks before even considering a move.
  3. “Do I Have a Way to Renovate My Home and Add on to It?” — Who knows: you might not even need to move up at all! What happens, though, if you can’t renovate your home to increase your space? What then?

The Real Estate Market Is Tricky, Yes

You’ve got to be on point with that, and that’s just the start of it. Getting a realtor, touring homes, figuring out what your priorities are: these are all necessities, and it’s a big decision. So prepare yourself. You’ve got to start, though, at the very beginning and make sure you’re even thinking of making a move for the right reasons. If you don’t, you could be heading down the wrong highway off the on-ramp and would have to wait a few hundred miles before getting off…. Stay on the right path and SIGN UP RIGHT HERE TO REGISTER FOR YOUR NEW HOME.