Cindy Zemien, Bell Mortgage

Meet Cindy Zemien - Senior Loan Officer for Bell Mortgage. Cindy works in the RE/MAX Results Apple Valley, MN office location. Contact Cindy at czemien@bellmortgage.com.



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How to Finance a Home the Right Way

When a homebuyer accepts the sellers offer, or has the counter offer accepted by the seller, they now are on their way to possessing a more than likely worthwhile investment. Not only are homes historically great investments simply because their price will most likely continue to increase, they are great in investments because an owner will most likely be able to gain strong profits and equity from the home.

The price that is finally agreed upon by the buyer and seller as the cost of the home is not the actual total cost of the home. If it is a sellers market, all of the closing costs will usually fall upon the buyer. Closing costs may include anywhere from three to eight percent of the entire cost of the home. In addition, only a realistically small group of buyers are able to pay cash for their home. In fact, most buyers have a hard time coming up with the advised twenty percent of the down payment. Because buyers rarely have an excess of saved capitol on their hands, they will need to finance the purchase through a lending institution.

A lending institution makes money by charging a "rent" on their loan called interest. If a buyer decides to go with the minimum payments of a thirty year mortgage, they will soon discover that for the great majority of the life of the loan the payments are mainly being put towards the interest on the loan. Because loans vary so much with the rate at which they effectively cost, being extra particular and really shopping around for a lending institution is wise.

If a borrower is able, and is consistent and loyal in their repayment of the loan, they are actually making the lending agency a lot of money. If the borrower knows they are a low risk client, that they are positive they will not default on their loan and repayments, then they need to realize that the lending agency is not doing them any more of a favor than the lender is doing to the borrower.

A borrower needs to realize that there are a lot of different options in acquiring a loan. For first time borrowers there are the options of having extremely low money down, as low as five to zero percent. One issue with putting little money down is the interest rate will be a whole lot higher to compensate for the added risk of less investment on the borrowers behalf, and the monthly payment will be significantly higher.

The gold standard among lenders is to have the borrower put twenty percent down on the loan. Any less than twenty percent and lenders do get nervous and they will want an outside or another party insure the loan. Some of the insuring organizations that administer this extra investment are the veteran's administration, some private companies, and other government agencies such as Fannie Mae.

As any buyer or borrower begins to start the process of filling out the loan application, realize that the lending institution is about to go increasingly deep into the borrowers life. They will look at pay stubs, credit history, work history, etc. During this particular part of the process, realize that the great investment buying a home is is all worth the pain of being thoroughly examined.

***Attention Readers***
This article is brought to you by Juhlin Youlien. He writes for Our Best Real Estate which is your source for thousands of Paradise Valley AZ homes for sale and the best rated Paradise Valley AZ homes. Our Best Real Estate is a website at the forefront of the real estate market dedicated to bringing you the best homes and the best realtors.

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Sample mortgage payments for a $100000 home in Knox County Ohio

Short 2 minute video explaining some sample monthly payments for affordable homes in Knox County Ohio. In many cases it is more affordable to own a home in and around Mount Vernon than it is to rent a similar sized apartment. Video created by Sam Miller of REMAX Stars Realty (740) 397-7800 www.KnoxCountyOhio.com. (this video is for example purposes only and we are not offering any type of mortgage services).



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Short Sale Tips Southern California Free Foreclosure Help Real Estate Secrets

Web TV Commercial and Video SEO by www.DiroStudios.com Welcome, my name is Chris George, CEO of RC Mortgage Quest We are a company of premier real estate and loan professionals who pride ourselves on providing the finest expertise in all aspects of real estate. RC Mortgage Quest is the EXPERT to call for ALL your Short Sale needs. Exceeding our clients expectations is our goal. RC mortgage Quest uses state of the art advertising which includes the newest, web video marketing, Internet, magazines, commercials, and other media to achieve maximum exposure, to get the property sold. We also offer a property 'upkeep' service... to turn a 'not salable' home into one that is marketable. We maintain the property until it is sold. Realizing that each transaction is unique, we have specific programs in place to make each transaction, purchase or sale as effortless and seamless as possible, while maintaining the highest degree of professionalism. With over 30 years of combined expertice in the Real estate field... RC Mortgage Quest generates much of its business from past satisfied customers, referrals and life long relationships within the local community. For further information please contact us or visit our corporate office in Upland California We are here to serve you. Contact RC Mortgage Quest at 909-985-1500 1470 W. 9th Street Suite A Upland, CA 91786 email: RCMortgageQuest@gmail.com Serving the southern California Inland Empire cities of Upland, Claremont, Ontario, Rancho ...



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$148000 3BR/2fullBA - LOUISVILLE, KY - 7802 APPLE VALLEY DR

LOUISVILLE Homes for Sale and Real Estate $148000 3 bedrooms, 2 full baths 7802 APPLE VALLEY DR LOUISVILLE, KY 40228 MLS #: 1268415 More details on this listing: www.semonin.com For more information, contact: Doug Osborne theosbornegroup@semonin.com (502) 468-0532 Let Doug Osborne show you this home in Louisville, KY. Rich wood floors and a lovely cozy fireplace welcome you to this charming home. Airy and dramatic vaulted ceilings contribute to the distinct feel in the home. Creative ceiling lines give this dining area a unique feel and show craftmanship. Featuring a convenient snack counter, the kitchen is also full of storage and counter space. You'll find 3 bedrooms and 2 full baths in this home. Read, relax and retreat in the solitude of the sunroom. To arrange for your personal showing, contact Doug Osborne today.



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Rosemount man pleads guilty in bank fraud - "Sun-Current Today" TV news - Thursday, Sept. 10

A 34-year-old Rosemount man pleaded guilty yesterday in federal court to one count of bank fraud. The charge stemmed from a scheme to obtain mortgages and funds from the Inver Grove Heights Bremer Bank where he was formerly employed. According to a release from the US Attorneys Office, in the plea agreement Eric Sunsdahl admitted that in April 2005 as a personal banker at Bremer he created a $100000 home equity line of credit based on a fraudulent loan application. Sunsdahl was originally indicted April 21 on seven counts of bank fraud, seven counts of false statements on loan applications and one count of conspiracy to commit wire fraud stemming from the scheme, which allegedly spanned from 2004 through 2007. In a separate action, an independent mortgage broker from Eagan, John Rubischko, age 37, was sentenced in January to 87 months in federal prison on one count of wire fraud and one count of aggravated identity theft. Rubischko helped Sunsdahl disburse the fraudulently obtained funds and paid Sunsdahl for arranging the transactions. Sunsdahl faces a potential maximum penalty of 30 years in prison. He will be sentenced at a future date.



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$150000 3BR/2fullBA - LOUISVILLE, KY - 7802 APPLE VALLEY DR

LOUISVILLE Homes for Sale and Real Estate $150000 3 bedrooms, 2 full baths 7802 APPLE VALLEY DR LOUISVILLE, KY 40228 MLS #: 1268415 More details on this listing: www.semonin.com For more information, contact: Doug Osborne theosbornegroup@semonin.com (502) 468-0532 Let Doug Osborne show you this home in Louisville, KY. Rich wood floors and a lovely cozy fireplace welcome you to this charming home. Airy and dramatic vaulted ceilings contribute to the distinct feel in the home. Creative ceiling lines give this dining area a unique feel and show craftmanship. Featuring a convenient snack counter, the kitchen is also full of storage and counter space. You'll find 3 bedrooms and 2 full baths in this home. Read, relax and retreat in the solitude of the sunroom. To arrange for your personal showing, contact Doug Osborne today.



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