Four Great Housing Myths    

 

For the past five years, the housing bulls have been trotting out one rational-sounding argument after another to explain why the boom made perfect economic sense.    

 

Forget about a crash, they assured homeowners. Expect a "soft landing" where your three-bedroom colonial in Larchmont or Larkspur not only holds onto its huge price gains, but keeps appreciating at a "normal," "sustainable" rate of 6 percent or so into the sunset.    

 

Americans wanted to believe, and they did. Now, the giant popping noise you're hearing is the sound of yesterday's myths exploding like balloons pumped up with too much hot air.    

 

Read more about the four great housing myths…

 

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Mortgage Holders Have Better Credit á=

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Consumers who have home mortgages tend to carry more debt than those without them, but they manage it well and their credit scores are higher, according to a study released by a division of the Experian credit rating agency. á=

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Experian Consumer Direct, an online credit service, said a nationwide study found consumers who have a mortgage carried an average of $24,565 in credit card and other installment debt in addition to their mortgages compared with $4,565 in installment debt carried by consumers without a mortgage. á=

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Get the full story here…

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Choosing a Mortgage Loan  

 

Choosing a mortgage loan is not as easy as simply finding the lowest interest rate. There are many other factors that will determine which mortgage is right for you. Your financial picture, including your income, savings, cash reserves, and debt-to-cash ratio will determine how much you can afford to pay in monthly mortgage payments.

 

Finding the "best" mortgage means balancing your mortgage options with your financial situation and your housing needs, now and in the future.   Since even the shortest mortgages typically last at least 15 years, you will need to project how your financial situation and your housing needs may change over the life of the mortgage.  

 

Find out more about mortgage loans…

 

 

Foreclosed Properties    

 

As some homeowners get squeezed by higher mortgage interest rates and a cooling real-estate market, many house bargain-hunters are turning their attention to foreclosures.    

 

They hope to get good deals by buying from homeowners who are falling behind on their mortgages or by buying after the lenders have seized such properties.    

 

Confirming the trend, online Web sites such as Foreclosure.com, Foreclosures.com and RealtyTrac.com, which list foreclosed properties and charge subscription fees, all report an increase in listings.    

 

Get the full story here…

 

 

Homeowners Insurance    

 

When you are a new homeowner and want to insure your home you may take the advice of an insurance broker, but at the same time you should also have some elementary knowledge.    

 

How can I find the right homeowners insurance and the best insurance rates? The Internet is the best option to get the right homeowners insurance. You can find online homeowners insurance quotes and can make a comparative study to get the best deal.   To find the right home insurance rate it is recommended to contact all local insurance agents or brokers to know their norms and terms regarding their area of coverage. You can even request for an online home insurance quote. A comparison of all collected information will help you find the best homeowners insurance rates.    

 

How can I get a discount on the home insurance rate? There are several circumstances when an insurance company may lower your insurance rate:

1.      Some of the home insurance companies are associated with security companies. If you install in modern security facilities in your home like burglar alarms, home video cameras, fire alarms and deck-bolt locks to assure additional safety, the insurance companies might give you a discount on your home insurance rates.

2.      Smoking is the one of the main causes for residential fires. If all the family members are non-smokers then some insurance companies offer to reduce premiums.

3.      Some home insurance companies provide discounts for senior citizens. If you're 55 or over and you are a pensioner, then you are qualified for a discount of 10 to 15 percent.

4.      Buying a homeowners insurance policy and auto policy from the same insurance company can help you lower rates on your insurance.