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What You Need to Know About How Construction Loans Really Work
A construction loan has some similarities to a regular purchase or refinance mortgage. You will still be judged on your income, credit, savings and monthly debts. However, with a construction-to-permanent loan, there are a additional factors that lenders consider - you need to know them if you want to build a new home.
An Almost Free Way to Generate New Business - A Creative Twist on the Joint Venture
Almost any marketer already knows how a joint venture basically works. However, very few people apply it properly to their business. If you do it creatively, you will build a strong list of new leads. Best of all, it will cost you next to nothing.
Building a Home? You'll Need to Know Your Insurance Requirements
When building a new home, you will need insurance to protect yourself while the home is under construction. If you're hiring a general contractor, he should have insurance in place to cover the bulk of the requirements. However, if you are going to be an owner builder and oversee the construction yourself, you will need to get your own insurance coverage to protect the home and yourself.
Ten Common Mistakes to Avoid with Your Credit
How many of these ten common credit mistakes do you make? How many of them are currently keeping your credit score lower than it should be? Knowing the answers to these questions could boost your credit score and provide opportunities for better financing terms.
Will Email Marketing Campaigns Work for You?
Most business owners or entrepreneurs will probably tell you that email simply won't work as a marketing tool. And, I must admit that if you are using email campaigns incorrectly, it will be a large waste of time and effort. But, if used correctly email marketing is a highly effective and cost-efficient way to generate new leads as well as stay in contact with previous customers.
Nine Key Credit Factors that Could be Damaging Your Credit Score Right Now
Do you know the main credit factors that affect your FICO credit score? If you don't know these nine key factors, you could be unintentionally damaging your credit score and chances at better financing terms.
Dare to Be Different
My office provides owner builder construction loans - a small fish in a large construction financing ocean. How do we get noticed by our clients and make sure they always remember us - we dare to be different. Being wacky and a bit off-the-wall with your marketing will make you stand out.
Today's Credit Scoring Basics and the Effects on Construction Financing
At one time, not too long ago, there was no such thing as a numeric credit score. Your credit report either showed that you paid on time or you didn't, and that was that. But, times have changed. Today, it's more vital than ever to understand the basics of the FICO credit scoring system and how it will affect your qualifications for construction financing.
The Construction Loan Timeline and the Number One Mistake Most People Make
The number one mistake, hands down, that people make when building a new home is not allowing enough time to get through the process. Building a custom home, and obtaining a loan to do so, is not as simple as getting a mortgage to buy an existing home. You CANNOT do it all in 30 days. So, before you sign a contract to buy a piece of land, take a moment to learn how to avoid potential disaster.
The Construction Appraisal - What You Need to Know Before Your Loan Gets Denied
If you are building a new home, the appraisal is just as important to your construction loan qualification as your income or credit scores - maybe even more important. If you don't understand the appraisal process for a construction loan, you run the very real risk of wasting a lot of time and money.
The Ultimate DIY Project: Owner Builder Construction
If you enjoy working around the home and doing various DIY projects, then maybe you're ready for the Holy Grail of DIY - building your own home as an owner-builder. By eliminating the costs of a general contractor's overhead, you will save tens of thousands of dollars on your next home. And it's not as labor intensive as you might think.
Who Are the People Involved in Your Construction Loan Process?
Whether you are going to be an Owner Builder or hire a General Contractor, there are several people that will be involved with your loan process in addition to the loan officer with whom you choose to work. Knowing the roles of each of these people will make your loan process flow smoothly and quickly.
Are You Pre-Qualified or Pre-Approved? Knowing the Difference Can Save You a Lot of Time and Money
Nearly everyone who has wanted to buy or build a home has been told that they need to obtain a "pre-qualification" or a "pre-approval" before making an offer on a property. The problem is that these terms are used interchangeably. This is a big mistake, and understanding the difference could save you a lot of time and money.
Shopping for an Owner Builder Construction Loan: The Features You Need to Look For Before Building
It is hard to find construction financing when you want to build your own home as an owner-builder. When looking for the loan that is right for your scenario, make sure you see the big picture and look for the right features in your loan. Otherwise, suffer the consequences.
What is an Owner-Builder, Really?
You've probably already heard the term owner-builder if you've been involved in residential construction in any way. But, there is a lot of misinformation out there about owner-builders. Before deciding if it's right for you, step back a moment and get a firm grasp of what an owner-builder really does.
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