Reverse mortgage rate tips? Get An FHA Loan? That refers to a loan that is guaranteed by the Federal Housing Administration. The loan itself typically comes from a private lender. One advantage of FHA loans is that they can have higher debt ceiling ratios. Instead of the conventional 28/36 ratios, FHA loans may let you use a 31/43 ratio. Still, FHA loans can have slightly higher interest rates, says Mary Ellen Garrett, wealth management advisor and portfolio manager, Merrill Lynch. Homebuyers tend to get FHA loans because they do not have much saved for a down payment. Another reason is that their credit score is too low to qualify for a regular loan. In most cases, that means a credit score below 620, according to BankRate.com, but above 500.

This is where the groundwork is laid for the search for your new home. There are several points you should cover in your initial consultation. For example: Define your needs; the number of bedrooms and bathrooms, size of the kitchen, where you want to live, your price range, timeline, etc. Determine when and how often you can look at prospective homes. Verify your contact information and how you want to be contacted (email, phone, etc.) Ask your agent about financing. They can explain the different types of available loan programs, and refer you to lenders that can answer specific questions. Review the paperwork. While not necessary at this point, reviewing paperwork will allow you the advantage to ask questions about documents before it’s time to sign them.

Our team is a mix of digital marketing experts and data analytics professionals with a profound knowledge of the mortgage industry. We know firsthand at RobustLoans that shopping for a mortgage can be very stressful and time consuming. This is largely due to the fact that following the financial crisis of 2008 federal and state regulations, mandatory disclosures and penalties governing mortgage lending have become far more stringent. Some of the new regulations for lenders are far too rigid, especially for highly qualified applicants with large down payments and outstanding credit scores. Thank you! See a few more details at HUDstore.

Fixating on the house over the neighborhood. Sure, you want a home that checks off the items on your wish list and meets your needs. Being nitpicky about a home’s cosmetics, however, can be short-sighted if you wind up in a neighborhood you hate, says Alison Bernstein, president and founder of Suburban Jungle, a real estate strategy firm. “Selecting the right town is critical to your life and family development,” Bernstein says. “The goal is to find you and your brood a place where the culture and values of the (area) match yours. You can always trade up or down for a new home; add a third bathroom or renovate a basement.” How this affects you: You could wind up loving your home but hating your neighborhood. What to do instead: Ask your real estate agent to help you track down neighborhood crime stats and school ratings. Measure the drive from the neighborhood to your job to gauge commuting time and proximity to public transportation. Visit the neighborhood at different times to get a sense of traffic, neighbor interactions and the overall vibe to see if it’s an area that appeals to you.

Have Financial Goals: If you want to accomplish financial goals, you need to figure out what goals are important to you first. Having a clear goal can keep you motivated and help you come up with a plan to reach that goal even faster. Now, don’t think that you need to set outrageous goals. If this is your first time thinking about personal financial goals, start off small and work your way up from there. I’d suggest coming up with a few different goals in each of these categories: What you want to achieve in the next 3-months, In the next year, In the next five years. This way you’ll have some short-term goals to look forward too, and some long-term goals to work towards as well. Your short-term goals may even be small stepping stones towards your bigger goals. So, remember to set long-term and short-term goals, and keep track of them too! Write them down somewhere and set a day each month to track your progress. Find extra details at https://robustloans.com/.

Rent villas in Lekki, Lagos: Connections: Though you don’t require business experience, it aides to have connections within the Real Estate enterprise. These contacts can connect you with extra authentic or knowledgeable people in the real estate business or present tips on the way to manage the market. Though some might not want to assist,quite a number will agree to assist.

The internationally acclaimed art house, Terra Kulture is the home of contemporary visual and theatre arts in Nigeria. It stands as one of only 2 art auction houses in Nigeria, with a collection of over a thousand art pieces from across the country. The Terra Kulture building is home to a restaurant, a craft shop, a library, a language school and theatre and its central feature; the art gallery. It is proud to have hosted readings by renowned Nigerian authors such as Wole Soyinka, Sefi Atta, Chimamanda Adichie and others for book readings. Annual events at Terra Kulture includes an art auction and the Taruwa Festival of Performing arts (which is often held in January).

Lagos, Nigeria is the largest city in Africa, yet tourism there seems to be only a minor (albeit burgeoning) sidebar in a hospitality industry geared more toward business. This means you’ll find ample fine accommodations, but will need to do a bit of research, and preferably get the advice of locals, to find the best things to do in Lagos to fit your desires. The city’s internationally acclaimed arts scene is thriving, with many galleries and cultural centers to peruse, and live music and dance performances take place with great frequency all over Lagos. This means visitors who enjoy music and the arts will find Lagos an incredible source of entertainment and inspiration, day and night.

Create must-have list. One of the tips for first-time homeowners is having a must-have list. Just as with any aspiration, you need to have a target of what you are looking for. A checklist of what you are looking for, which neighbourhood or location are you aiming for? What features do you want in your home? Without a good grip on the end goal, there can be some straying from the path of finding your first home. Additional amenities and features that would be helpful to have. Be sure to share your list with your realtor. Also, it’s beneficial for you to take copies of the list to every house inspection or showing you attend. Discover a few extra info on https://www.propertypro.ng/property-for-sale/in/lagos/lekki.

Tired of the chaos of Lagos and need a bit of a break? Take a day trip to the nearby Epe Mangroves! There you’ll find a smaller Yoruba community very different than Lagos, including a fascinating fish market you can peruse. But the highlight of any daytrip from Lagos to Epe is definitely going to be taking a small boat or canoeing through the mangroves, where you’ll get a taste of Nigerian nature. Just watch out for the crocodiles! You’ll need to organize a driver for the day, but otherwise most of the tour can be arranged independently.

Festac town was built for participants of the festival of arts and culture in 1977. The town has a rich cultural heritage and makes for a good place to visit for people looking to explore Lagos. Having being renovated and transformed by Fela’s famous children, The New Afrika Shrine is an entertainment sanctuary, a place to catch real fun for fun seekers. You can visit the shrine on Thursday night for a free show with Femi Kuti. Similarly, on the last Saturdays of the month, Seun Kuti, the last of the Fela’s boys does his thing (Afrobeats Sessions with Seun Kuti) on stage. At each jam session, you’ll enjoy getting educated about African politics. Plus it’s a god way to dance, socialize, and listen to good music.

We buy houses fast in Las Vegas One of the largest reasons some buyers walk away from a home purchase feeling remorseful is because they don’t consider everything about purchasing real estate before they jump into it. There are common buyer mistakes we address with all of our buyers upfront so they have a highly successful transaction. One thing that many folks don’t want to do is put in the upfront work, studying, and preparation that goes into buying a house. You need to prioritize your needs, and your wants – and if you have a partner you need to communicate together on everything. Maybe one person is ready to buy, and the other isn’t ready just yet.

Making decisions based on emotion. Buying a house is a major life milestone. It’s a place where you’ll make memories, create a space that’s truly yours, and put down roots. It’s easy to get too attached and make emotional decisions, so remember that you’re also making one of the largest investments of your life, says Ralph DiBugnara, president of Home Qualified in New York City. “With this being a strong seller’s market, a lot of first-time buyers are bidding over what they are comfortable with because it is taking them longer than usual to find homes,” DiBugnara says. How this affects you: Emotional decisions could lead to overpaying for a home and stretching your budget beyond your means. What to do instead: “Have a budget and stick to it,” DiBugnara says. “Don’t become emotionally attached to a home that is not yours.”

Develop A Mortgage Shopping Cart. One of the biggest decisions to make before putting a contract on a home is how to finance the purchase. Lenders aggressively compete for your mortgage business in a variety of ways. Today, you can apply for a loan over the Internet or even use a mortgage broker to shop for your loan with hundreds of lenders. When choosing a lender, compare fixed rates to fixed rates, not fixed rates to ARM’s, etc. Create a chart that lists different types of loans, fees, and at least five mortgage providers (including a mortgage broker).

Everyone is on social media sites these days and Facebook is a great way to network and connect with buyers. In addition to the marketing effort your Realtor will provide, you can also use the power of networking to get the word out to as many people as possible that your home is for sale. People also love watching videos. If you grab your phone or video camera, make a video as you walk through your home and your neighborhood. Tell why you love it and then post that video on FB and YouTube. By doing so, you will help a prospective buyer visualize a great life living there also. Discover extra info on I need to sell my property for cash in Las Vegas.

Many people buy properties in Las Vegas, NV because it’s a fabulous travel attraction. The MGM Grand Hotel in Las Vegas is across the street from the New York-New York Hotel and kitty corner to the Excalibur Resort Hotel. The MGM Grand Hotel has all the amenities visitors would expect to find at a luxury hotel including above average accommodations, an exceptional pool area, a multitude of restaurants, and plenty of entertainment options. One of the hotels popular activities is CSI: The Experience, based on the popular CSI TV series, where participants can test out their detective skills. Vegas Indoor Skydiving offers a truly unique experience. Here, visitors will get to experience what actual skydiving is like, without an airplane or parachute. Qualified instructors escort participants to a vertical wind tunnel where they are suited up in special gear. Once the fan is turned on, anyone can float effortlessly in the air. No experience is necessary.

We buy houses in ANY CONDITION in Nevada We make stressful situations SIMPLE, & GUIDE YOU throughout the ENTIRE Process! Just fill out this QUICK form, or CALL/TEXT (702) 904-0079. Las Vegas & Vegas Valley neighbors… our doors are still virtually open, and we’re willing and able to assist those looking to sell. We understand, that it’s essential to follow local business rules, and statewide health mandates. That’s why we’re are taking precautionary measures to ensure the safety of our team, clients, and our community. The entire process can easily be managed with some pics, a virtual tour, and e-signatures (Docusign), all done from your lovely mobile devices! If you need help selling your property fast, when everyone is pulling out. Explore a few more info on www.gr8housebuyers.com.

Why travel to Lekki Lagos, Nigeria and real estate deals? The African Artists’ Foundation, a nonprofit organization supporting young artists, runs a gallery showcasing their contemporary works. The gallery has a permanent collection and presents diverse temporary exhibits; it also hosts workshops and special events. Art enthusiasts visiting Lagos might also like to visit Nimbus Art Gallery in the upscale Ikoyi neighborhood. It’s a live music venue and outdoor restaurant as well as a gallery specializing in modern art. The Nigerian National Museum, at Onikan in Lagos Island, offers a fascinating look at traditional Nigerian life over the centuries. Exhibits include tribal costumes, sculptures, art works, coins and pottery from the diverse regions and cultures of Nigeria. The major highlight of the museum’s collection is the Jemaa Head, a terracotta sculpture attributed to the Nok culture circa 900 to 200 B.C. Guided tours of the museum are available.

Hi-Impact Planet offers world-class fun for the young and old, friends and families. There are games, rides and other entertaining attractions for the young and young at heart. You and your family will enjoy a good time and form magical memories. You can grab a snack or a pastry during your day of fun or enjoy full-blown intercontinental meals at the parks 3 food court. Built in 1990, Lekki conservation centre covers a land area of 78 hectares. This nature hub is run by the Nigerian conservation foundation (NCF) and If you appreciate the sight of plants and animals in their natural habitat, then this place is a must visit for you. The NCF was set aside to sustain the natural habitation of plants, and animals as urbanization began leading to the intrusion of areas meant for them. The conservation centre is located in Lekki, immediately after Chevron, before the 2nd Lekki Toll Gate.

Does the sound of seagulls appeal to you? Or does the sound of the waves as they tide and crash against the surf soothe your nerves? Then, visiting a beach in Lagos should be one of the top things to do. Being a coastal city, Lagos is home to number of beaches such as Lekki Beach, Elegushi Beach, the popular bar beach (located at Ahmadu Bello Way), La Campagne Tropicana Beach Resort, amongst others. Trust us when we tell you that your stay in Lagos will not be deemed as complete without a trip to its popular markets. Ditch the thoughts of online stores and shopping malls, and treat your legs to a trip to markets including Oshodi, Yaba, Aswani, Computer Village, Eko, Jankara, Balogun Markets, and many more. Discover more info at Flats in Lekki.

This open-air entertainment center serves as a next generation of the old Afrika Shrine built by the famous artist cum political activist Fela Kuta in 1970. It showcases some of Fela’s artwork and also serves as a sort of community center. Visit during the day and you’re sure to be greeted by many friendly and chatty locals eager to show you around. Or do like Emmanuel Macron did and come at night during one of the Shrine’s weekend concert events, which are sure to offer you a crazy night out in Lagos. For a real treat, visit Lagos during the annual Felabration festival and feel the Shrine pulse with Afrobeats. It’s located in Ikeja, which means a long drive if you’re staying in the islands, but it’s well worth it (and can be easily combined with the nearby Kalakuta Republic Museum). In my opinion, it’s one of the most fun things to do in Lagos Nigeria!

Charlotte, NC realtors: This is where the groundwork is laid for the search for your new home. There are several points you should cover in your initial consultation. For example: Define your needs; the number of bedrooms and bathrooms, size of the kitchen, where you want to live, your price range, timeline, etc. Determine when and how often you can look at prospective homes. Verify your contact information and how you want to be contacted (email, phone, etc.) Ask your agent about financing. They can explain the different types of available loan programs, and refer you to lenders that can answer specific questions. Review the paperwork. While not necessary at this point, reviewing paperwork will allow you the advantage to ask questions about documents before it’s time to sign them.

If you’re going to buy a house it makes a lot of sense to make sure that rush hour traffic isn’t unbearable. The last thing you want is to buy a home and find out that you’re going to be sitting in heavy traffic every day. Time is more valuable than money, you don’t want to spend your time in traffic – I know I don’t. You want to spend your time doing more important things like spending time with your family. We always recommend our buyers check out the commute to and work on different days just to make sure it’s something they are comfortable with.

In today’s very competitive real estate market, selling a property has become even harder. The regular ‘For Sale’ signs we used to place on our lawns are not enough these days. Even newspaper ads do not seem to work anymore. So how do you sell a property? For years now, the best option has been hiring a professional real estate company. We are your Carolina realtor, Charlotte seller agent, and we’ll help you every step of the way. Statistics prove that properties listed on the multiple listing service tend to sell faster and at a higher price than those that are not. See a few extra details at Charlotte real estate agency.

Making decisions based on emotion. Buying a house is a major life milestone. It’s a place where you’ll make memories, create a space that’s truly yours, and put down roots. It’s easy to get too attached and make emotional decisions, so remember that you’re also making one of the largest investments of your life, says Ralph DiBugnara, president of Home Qualified in New York City. “With this being a strong seller’s market, a lot of first-time buyers are bidding over what they are comfortable with because it is taking them longer than usual to find homes,” DiBugnara says. How this affects you: Emotional decisions could lead to overpaying for a home and stretching your budget beyond your means. What to do instead: “Have a budget and stick to it,” DiBugnara says. “Don’t become emotionally attached to a home that is not yours.”

We’re licensed real estate agents in North Carolina and South Carolina. We’re very knowledgeable and experienced with real estate markets in the Carolinas especially Charlotte, Ballantyne, Indian Land, Waxhaw, Weddington, Marvin, Matthews, Mint Hill and the surrounding areas. If you’re new in Charlotte, or interested in selling or buying properties. At Grant Street Realty, helping you accomplish your investment plan is our highest priority. We are property management company in Charlotte, NC that you can count on. Contact us today to discuss more about our property management services in Charlotte, NC at: 704-497-5533. Read additional info on https://grantstreetrealty.com/.

Top places to see in Lagos, Nigeria with short stays options? Hi-Impact Planet offers world-class fun for the young and old, friends and families. There are games, rides and other entertaining attractions for the young and young at heart. You and your family will enjoy a good time and form magical memories. You can grab a snack or a pastry during your day of fun or enjoy full-blown intercontinental meals at the parks 3 food court. Built in 1990, Lekki conservation centre covers a land area of 78 hectares. This nature hub is run by the Nigerian conservation foundation (NCF) and If you appreciate the sight of plants and animals in their natural habitat, then this place is a must visit for you. The NCF was set aside to sustain the natural habitation of plants, and animals as urbanization began leading to the intrusion of areas meant for them. The conservation centre is located in Lekki, immediately after Chevron, before the 2nd Lekki Toll Gate.

The African Artists’ Foundation, a nonprofit organization supporting young artists, runs a gallery showcasing their contemporary works. The gallery has a permanent collection and presents diverse temporary exhibits; it also hosts workshops and special events. Art enthusiasts visiting Lagos might also like to visit Nimbus Art Gallery in the upscale Ikoyi neighborhood. It’s a live music venue and outdoor restaurant as well as a gallery specializing in modern art. The Nigerian National Museum, at Onikan in Lagos Island, offers a fascinating look at traditional Nigerian life over the centuries. Exhibits include tribal costumes, sculptures, art works, coins and pottery from the diverse regions and cultures of Nigeria. The major highlight of the museum’s collection is the Jemaa Head, a terracotta sculpture attributed to the Nok culture circa 900 to 200 B.C. Guided tours of the museum are available.

Tired of the chaos of Lagos and need a bit of a break? Take a day trip to the nearby Epe Mangroves! There you’ll find a smaller Yoruba community very different than Lagos, including a fascinating fish market you can peruse. But the highlight of any daytrip from Lagos to Epe is definitely going to be taking a small boat or canoeing through the mangroves, where you’ll get a taste of Nigerian nature. Just watch out for the crocodiles! You’ll need to organize a driver for the day, but otherwise most of the tour can be arranged independently. See even more details at https://www.propertypro.ng/property-for-short-let/in/lagos.

Does the sound of seagulls appeal to you? Or does the sound of the waves as they tide and crash against the surf soothe your nerves? Then, visiting a beach in Lagos should be one of the top things to do. Being a coastal city, Lagos is home to number of beaches such as Lekki Beach, Elegushi Beach, the popular bar beach (located at Ahmadu Bello Way), La Campagne Tropicana Beach Resort, amongst others. Trust us when we tell you that your stay in Lagos will not be deemed as complete without a trip to its popular markets. Ditch the thoughts of online stores and shopping malls, and treat your legs to a trip to markets including Oshodi, Yaba, Aswani, Computer Village, Eko, Jankara, Balogun Markets, and many more. An awesome city : Lagos plus short stays options?

Did you thought about co-living, especially since you have a new job in Taipei, and you are not sure where to begin? Let’s discuss about it! Or maybe you have been traveling around the world as a nomad or maybe you just began a new class in a Taipei school. Co-living is an idea that is becoming popular around the world. Here are a few benefits of co-living, and see if this is the right choice for you. Let’s take a sneak peak at a few of the benefits of co-living.

This benefit of co-housing and co-living is a little vague in the way that everyone can create memories and friendships at any time wherever they might be. However, the structure of a co-housing and co-living community is reminiscent of a long camping trip between good friends where memories and friendships that are engrained in our minds and hearts. One of the main reasons for these deeper connections between residents is due to the constant contributions that each person has to make to maintain the community at its best. From cooking meals together and breaking bread over dinner to gardening and harvesting crops in the community gardens or attending group activities together, there’s a higher level of trust that develops within the community. These benefits that I’ve identified through my research of co-housing and co-living communities are a few among many reasons why this architectural typology and programs are successful. Although this article focused only on the benefits and optimistic aspects of this type of residential architecture that is quickly re-emerging and morphing in the 21st century, there are obviously downfalls and failures as well. However, it appears that the benefits far outweigh the negative outcomes of these kinds of communities. Lastly, these benefits are amplified by the right planning and architectural design that allows the community to thrive.

The top benefit of co-living is being part of a community. Making friends, connections, seeing people. Anyone who’s has been on the road solo for as little as a couple of months will tell you how difficult it can be to make any sort of relationship. Shared housing space usually offers extra social activities, like movie nights, gaming nights and so on. These events are great for getting to know your housemates in casual settings and lay a foundation for your relationship to grow. Let’s face it, people do co-living to meet new people first and foremost. See this video for more info on how co-living can improve your social life.

Where affordability meets sustainability: Co-living is all about community and collaboration rather than just isolation and competition. One of the most tangible benefits of a co-living setting is that it encourages the adoption of a sustainable lifestyle. By making it easier to share resources, co-living facilities not only save money but also help develop a stronger environmental consciousness. Sharing cost for utilities and rent is a financially conservative idea requiring you to haggle with your roommate over bills and shared expenses at the end of the month. Instead, co-living facilities empower you to pay a fixed rate with all the key amenities from TV, fridge, furnishings, electricity, wifi, etc being factored in the monthly rent, as each person interfaces directly with the co-living company. Transparency through billings and invoices helps maintain visibility on amenities being charged for and utilized as well.

Are you afraid of strangers, do you consider yourself an introvert ? Co-living can still overcome your fear of living close or with strangers. Like co-working, co-living still offers you the opportunity to communicate with others on a regular basis. Co-living gives you the chance to exchange ideas with others late in the night or as soon as you wake up in the morning, and covering all day.

Cost of living … co-living is cheaper than serviced apartment or airbnb& hostel. Also, from quality if living per price ratio, co-living is on top. You save a lot of time because to co-living space provider usually takes care of utility services (not all, for Taipei we will introduce you to a co-living space providers that covers almost all), garbage disposal services and so on. So even if you’re living with someone who doesn’t clean up their messes, at least you know it will get cleaned up eventually.

If you are searching for co-living space in Taipei we recommend h-s-h-s-h.com, a top quality Share house Taipei provider. You can enjoy the intimate services of shared apartments and properly planned public spaces, such as shared kitchens, shared offices, rest spaces, etc. They provide regular professional cleaning and garbage removal, maintain the environment and easily keep a high standard quality of life. You just need to take care of life, h-s-h-s-h.com take care of the rest.

Europe real estate market recommendations? Liveio.com is a trendy real estate platform aimed at helping real estate agents and individuals to sell real estate properties in EU. We will also talk about some real estate market tricks combined with some analysis of 2019-2020 real estate market trends in Europe.

What will be the hottest cities in Europe? It is then, with no surprise, that we reach to the conclusion that during 2020 we will have a mixture of newcomer cities, like Portugal, and mature markets, like Germany, that is still capable of being at out top 10 cities in Europe when it comes to real estate, even though the prices are really high. There is a need for governments to invest on their transportation structure (roads, airports, trains, etc), to cope with this growth and, even though we know that the world wasn’t build in a day, this is something you want to keep an eye on. The development of the transportation network will impact land values and investment opportunities, so don’t miss out your chance.

What kinds of returns can European real estate investors expect? In the core markets of Europe, returns are expected to be positive but on the low side. You may not make 10–15% a year, but you might have a few percent a year cash return. In reality, the focus of investors should be on cash, not on capital gains, because core residential markets are already expensive. But if you were to buy in markets with more troubled recent histories such as Spain (though recovering very rapidly) or Greece, you may have a chance of making capital gains if the economies continue to improve. Even if interest rates were to later rise, your cost of borrowing would be fixed. Additionally, if inflation rises, your cost of borrowing stays capped while your rental income can potentially rise in line with inflation; this is how real estate investors can make money in the future. When financing your real estate, it should be done at fixed rates. Buyers shouldn’t consider financing at floating rates, because besides being dangerous, with interest rates so low, why consider a floating rate? This is no longer necessary. Read additional info Real Estate Advertising Portal.

Now let’s discuss about several real estate tips for agents: Hold open houses: Make sure the home is staged beautifully, the utilities are on and everything is functioning. Both interior and exterior staging is necessary if you want to impress. Be present as often as possible; having other agents work your open house means they’ll want a piece of the action. This is your listing, so work it every which way you can. Talk price with the seller: Price expectations should be realistic. Have comparisons ready to show your seller, and work with him or her to come up with a fair number. Look at what your listing has to offer over others, and vice versa. Sometimes it’s better to have a low price point and get multiple offers than to ask for the moon and get lowball offers. Make sure you’re being heard by your client. This will ensure you’re covered down the line if you’re client didn’t want to listen and the property doesn’t sell. Selling is constant push and pull, but the more you do it, the easier it becomes. Enjoy the ride!

Why should I become a Liveio Agent? Agents can create their own personal channel in the network, form an inviting profile page, are able to list their current properties for sale and inform about upcoming open house showings. By signing up for a Liveio Agent-account you guarantee to expand your client base – from a local to global scale. Reach a new international client base. List unlimited amount of properties for sale or rent. Create your own personalized advertising page. Team up together and represent an agency. Visit: liveio.com.