Please help me search for her forever home. A place she can forget the pain of the chain

Tips For Finding The Best Mortgage Rates

The first thing to consider when it comes to getting a mortgage loan is to find a reliable lender. It is the responsibility of the debtor to verify the feedback from their clients to ensure the quality of the money lending service. In certain cases, booking an appointment with the bank officials to discuss the terms and conditions of their mortgage loan will also give results. This will eventually help the debtor to find the best mortgage rates. Before finalizing the deal, verify if there are any complaints or lawsuits pending against them. The debtor can also run a basic background check with the help of a lawyer.

Next step is to verify their money lending history to see the reliability of the service. Applying for a loan does not oblige a person to make commitments to the bank. Consult with other banks to see which one will provide the best mortgage rates. There are several external factors that decide the rate of interest, terms and condition of a loan. In some cases, the interest rate varies from one day to another. It is also possible to find a loan at a fixed rate.

For a debtor, it is very important to understand the difference between rate quote and rate lock. A bank calculates rate quotes depending upon the following factors: credit rating, loan to value ratio and income. In the case of lock rate, it is fixed for a certain period or days. The debtor can lock a rate 30, 45, 60 or 90 days. The extension of the lock will decide the rate of interest. This system is beneficial in certain cases and unprofitable in some other cases. All this will depend upon the financial status of the borrower. In the case of big amounts, it is always better to lock the rate.

Getting the best mortgage rates requires preparation. For instance, people who are working in the real estate industry very well know that a lock price is better for a long term agreement. At the same time, it is not very easy to get a fixed interest rate. The bank will consider several financial parameters to decide the mortgage rate. The credit rating of the borrower plays an important role in deciding mortgage rates. People with credit problems can negotiate with the bank to get a better down payment option.

Borrowers with low credit score may find it hard to get the best mortgage rates. In such circumstances, it is very much important to discuss with the bank officials to find an amicable solution. In short, there are several factors that influence the best mortgage rates. The debtor can do his own homework or consult with a mortgage broker to finalize the deal.

Prepare to Get a Housing Mortgage Pre-Approval

Home buying or home shopping, as others refer to the process of finding a house to purchase is a very serious task. Aside from hunting the house which matches your preferences and lifestyle, there are plenty of things you should know such as getting a housing mortgage pre-approval. This is necessary because it is very impossible for an average wage earner to cash in for his dream house. Even those who are referred to as rich and famous sometimes avail of housing mortgages too. But there are also plenty of things you need to prepare to get approved. Discussed briefly are 5 of them.

Proof of Income: Gone were the days when home mortgage companies issue pre-approvals without submitting documentations or without the buyer going through a rigorous verification check. Today, a buyer needs to prove that he is capable of repaying whatever amount the lender is to give. Some of the documents considered as proof of income include W-2 statements, recent pay slips, tax returns, bonuses, and payments from clients if you have business.

Evidence of Assets: In support of your income-earning capacity, you also have to present evidences of asset ownership. The assets will serve as additional proof of loan-paying capability. Usually, the bank or the institution from where you will seek the pre-approval will require you to submit copies of your bank statements and investments. These documents will prove that you have adequate funds for the down payment, closing costs, and monthly dues. They are also your evidences of cash reserve.

Good Credit Rating: Most lenders require borrowers to have a score of 740 and above to avail of the lowest interest rates on home mortgage plans. But, those who have at least a FICO of 620 will get pre-approved. Those who have lower credit scores will have to negotiate. Lucky enough that there are mortgage companies that gives pre-approval to individuals with low credit scores. But usually, they are of higher interest rates. In case you have a low credit rating, it is better to fix it first by repaying outstanding credits to other companies such as from your utilities, internet, and credit card.

Verified Employment Documents: The proof of income usually does not satisfy credit and mortgage companies. Thus, you also need to prepare verified or certified employment documents. The employment document or certificate needs to contain your complete name, present address, name of the company, your position, and salary grade. The letterhead of the company where you are presently employed is also an important element of the employment certificate you have to obtain. Of course, it has to be duly signed by the company's representative.

Other Documents: Any other documents which will be requested by the lender should be available upon request. Usually, these documents include copies of proof billing and identification cards. Be prepared to fill up any mortgage-related forms. You also have to prepare your Social Security Number as this will be used to pull out your credit report.

If you have prepared the above documents, you are at least eased out of additional burdens as may be brought by the housing mortgage pre-approval. Having these documents at hand will pave way towards a smooth-flowing house hunting and home buying processes.

Houston Tx

We need a foster based rescue to accept her, or a forever home.

We are not a traditional rescue, but occasional we run across a dog that just breaks your heart. We convinced the abusive owner to sell her to us for $100, and thought she had a perfect home. She is doing great, but the foster just can't keep her. So we need to find her the perfect home. She is good with other dogs and cats...

We will keep trying to find a great place for this sweet girl...we can transport anywhere!!

She is young, barely a year, super well behaved, super sweet...has been abused so shrinks when you try to pet her...but she is getting better. House broke too. The story is the poor dog was his ex-girlfriend who abandoned her at this guys house...they got her when she was a puppy, she use to sleep with them...then they broke up and the man truly resented that the girlfriend broke up and left the she was put outside. When she tried to escape he chained her...and well you saw her, scrunched up, skinny, dirty, head hung down from the weight of that heavy chain.

It crushes me to think how many nights she shivered. How many nights she felt like she was being punished for just being a dog. How many days she went without food or water.

I have become use to having to choke down the tears, to try to not dwell on the pain they are in, the hunger they feel, the misery of being eaten alive by flies and fleas. I try to no think about the ones I can't save, and stay focused on what we can change. The ones we have helped. But this one I just cant stop the tears for all she has suffered.

We just must find her a home she will NEVER want for anything. A home she can be a cherished, beloved member of the family. A place she can forget the pain of the chain.




FB thread here
I have decided to write an article about the top 5 mortgage companies in the US just to give people an idea of where they could come to when thinking of availing to any form of mortgage loans. The good thing about financing your mortgage with a bank is that the only one who knows about your mortgage interest and how much you owe is your bank.

The top 5 mortgage companies found in this article were the ones declared by the Forbes magazine to be the top lenders in the United States:

1. Bank of America
2. Citigroup
3. Wells Fargo bank
4. Wachovia bank and
5. Amerisave mortgage

These banks gained their spots because they were known the ones recommended by the consumers. They were able to deliver mortgage when consumers need it without unnecessarily marking up their mortgage interest rate and provided them with favorable terms on every loan.

It is understandable that every one of us wants a home we can call our own and that our love for cars is unavoidable. The problem starts when we start to earn good amount of money and we tend to put all of our cash into a home or a car leaving not a single dollar because we are thinking that we will be able to pay for both mortgage and car loans. This is wrong because even if we have started earning a good amount of money and capable of maintaining a house or a car, plenty of cash money at the start of a career is not possible. It is not advisable to spend all of your cash and be left with nothing.

But if you really are assured that you can afford to avail of a mortgage loan, I'd like you first to understand what a mortgage is and read the short discussion of each of the top mortgage companies listed above. Now, a mortgage is a loan which the borrower (you) pays monthly to the borrower against some asset of the same value.
That "asset" is most of the time used to refer to the "home" the borrower gets.

1. Bank of America. This bank is one of the oldest banks in the United States. It has been offering mortgage loans for so many years already.

2. CitiMortgage of Citigroup. This bank was started in the United States in 1970 and since then, it has expanded to over 54 countries worldwide. It is known as one of the leading mortgage companies all over the world!

3. Wells Fargo. This company was started in 1852 and now it became one of the largest banks in the United States and is known to be one of the best mortgage services providing company.

4. Wachovia bank. Wells Fargo takes over this large mortgage company. It is one of the leading mortgage companies in the US.

5. And last but not the least is the Amerisave Mortgage Corporation. It is known as one of the largest mortgage lenders in the US.

My name is Monte Mohr and I am a realtor that specializes in homes for sale in downtown Nashville, TN.

0 Response to "Please help me search for her forever home. A place she can forget the pain of the chain"

Post a Comment

Iklan Atas Artikel

Iklan Tengah Artikel 1

Iklan Tengah Artikel 2

Iklan Bawah Artikel