Before You Buy

Before you start looking for a home, figure out what you can realistically afford to pay per month. Check out the market in the area you want to buy. Find out what price houses are going for and what the payments are per month. Remember that you may end up paying a little more per month than someone with a conventional bank loan, so keep that in mind as you figure out what you can afford.

You are going to have to work harder to find a home you can get without a loan. You will have to shop around more. So, concentrate on your needs in housing before your wants. Make a list of the minimum that you will accept in a house. Only write down your essential needs. Do you have to have three bedrooms or can you make do with less? Do you have to have a two-car garage or will a carport do? Do you have to have a single story home for health reasons? How close do you have to be to a school?

Make a separate list of the things you want. Wants might include things like a pool or hot tub, a walk-in closet, wooden floors, a deck, or a certain type of architecture. It would be nice if you can find a home with some of your wants, but to begin with, concentrate on finding a home that meets your needs. Often many of these things can be added to a home later.

Also make a third list of things you absolutely do not want in a home, such as: too many stairs to climb, a fixer-upper, certain areas of town you dislike, a location too close to a freeway, or a location too far from the center of town.

You may not be in a position to be too picky. Perhaps you can make do with a smaller home for now, while you establish your credit and get equity in the smaller home. Then you will be in a position to trade that home in for a bigger home.

Re-establishing your financial footing is not as difficult as it used to be, but it is impossible if you attempt to buy more house than makes sense. Be conservative!

Are you ready to get started? Go to I-can-buy.com and get the instant download e-book, "Buying a Home When You Have Bad Credit."

From the book "Buying a Home When You Have Bad Credit-- 12 Ways to Purchase a House When You Can't Get a Home Loan" by Alexis Dey. © 2005 Mohave Publishing. All rights reserved. http://i-can-buy.com

---

Google News Updated : Sun, 12 Oct 2008 05:51:03 GMT Theatrical Review of Body of Lies - DVDTOWN.com Theatrical Review of Body of Lies DVDTOWN.com - 5 hours ago By Jason P. Vargo "Body of Lies" is a certain type of movie designed for a certain type of moviegoer. I think the tagline describes the movie perfectly, actually. Body of Lies E! Online 'Body of Lies': Desert Norm, By Kurt Loder MTV.com Boston Herald - Los Angeles Times - Radar Online - Entertainment Weekly all 1,041 news articles Publ.Date : Sun, 12 Oct 2008 00:19:39 GMT Bush, allies seek to calm jittery investors - BusinessWeek Bush, allies seek to calm jittery investors BusinessWeek - 4 hours ago By JENNIFER LOVEN and MARTIN CRUTSINGER President Bush and financial leaders from nations rich and poor pledged Saturday to intensify their efforts to unblock a frozen financial system before it does more damage to an increasingly shaky global economy. Bush Says US Must Take Lead in Solving Crisis (Update3) Bloomberg Bush, allies seek to calm jittery investors The Associated Press New York Times - Austin American-Statesman - AFP - KSFY all 1,542 news articles Publ.Date : Sun, 12 Oct 2008 01:30:21 GMT On the trail to the White House - Fort Worth Star Telegram The Age On the trail to the White House Fort Worth Star Telegram - 33 minutes ago Sen. Barack Obama, Democratic presidential nominee, at a rally in Philadelphia on Saturday. AP/ALEX BRANDON Today’s headlines Report stings Palin over troopergate flap; Raw anger showing up in McCain crowds, candidate taking steps to minimize it; ... McCain Asks Supporters to Show Obama Respect Wall Street Journal Obama Thanks McCain for Urging Supporters to be Respectful Voice of America Washington Post - Chicago Tribune - ABC News - Bloomberg all 733 news articles Publ.Date : Sun, 12 Oct 2008 05:17:46 GMT Van driver's work in Mass. aided Nobel winners - Boston Globe Voice of America Van driver's work in Mass. aided Nobel winners Boston Globe - 1 hour ago HUNTSVILLE, Ala.—When two American scientists won a Nobel Prize this week in chemistry, the driver of a car dealership's courtesy van had reason to take special interest. Video: Nobel Chemistry Prize Goes for Jellyfish Protein AssociatedPress Comment by Jeremy M. Berg, Ph.D., Director National Institute of General Medical Sciences The Daily Yomiuri - The Associated Press - Los Angeles Times - WTEN all 1,250 news articles Publ.Date : Sun, 12 Oct 2008 04:14:18 GMT Five killed in New York fire; 300 acres burn in Napa Valley - Austin American-Statesman CBS News Five killed in New York fire; 300 acres burn in Napa Valley Austin American-Statesman - 1 hour ago NEW YORK - A family of five, including three children, died in a blaze that filled an apartment with thick smoke and kept the victims from escaping through the front door, fire officials said. Napa County wildfire forces evacuations of over 100 homes Los Angeles Times Fire Threatens Napa Valley Homes and Wineries New York Times KEYC - CBS 5 - San Francisco Chronicle - WSBtv.com all 422 news articles Publ.Date : Sun, 12 Oct 2008 04:27:05 GMT Singer Lisa Marie Presley gives birth to twins - The Associated Press The Associated Press Singer Lisa Marie Presley gives birth to twins The Associated Press - 3 hours ago LOS ANGELES (AP) - Lisa Marie Presley is a mom again. A publicist says the 40-year-old singer gave birth Tuesday to twin girls, whose names were not released. Lisa Marie Presley delivers twins: report Reuters Today's News: Our Take - Lisa Marie Presley Gives Birth to Twin Girls Seattle Post Intelligencer E! Online - People Magazine - Monsters and Critics.com - Hollywood.com all 569 news articles Publ.Date : Sun, 12 Oct 2008 02:11:28 GMT McCain supporters face uphill climb in blue Jersey - Newsday Sunday Times.lk McCain supporters face uphill climb in blue Jersey Newsday - 15 hours ago By WAYNE PARRY | AP Writer WOODBRIDGE, NJ - Walter Zjawin is trying to help John McCain do what no Republican has done in 20 years: win a presidential general election in New Jersey. Maine now on McCain radar Central Maine Morning Sentinel McCain inches closer in Saturday's Gallup Kansas City Star Boston Globe - CBS News - Washington Post - Ethiopian Review all 220 news articles Publ.Date : Sat, 11 Oct 2008 14:04:37 GMT Make Money With Blogs Display RSS Feeds on Your Website

PARLOT::Ebooks, Scripts, Websites, and more...

Adsense websites

Homeowner Loans ? Drawing Lessons of the Past

Loans are not of a recent origin. People used to... Read More

Financing a Home With Bad Credit

Financing a home with bad credit is a common problem... Read More

Mortgage: Effective Household Investment for Financial Autonomy

If finances had a copyright, we would have bought it... Read More

Sub-Prime Mortgage Loans - Things You Should Know About Sub-Prime Mortgages

Sub-prime mortgages are not that much different from average mortgages.... Read More

What Exactly is a Mortgage Broker and How Can He/She Help You Save Thousands on Your Mortgage?

Have you ever heard of a mortgage broker before? If... Read More

Tips On New York Mortgage Refinance Loan

Many homeowners want to know if it worth taking a... Read More

Bad Credit Home Financing - Get The Mortgage Loan You Want Even With Poor Credit

Having poor credit alone cannot hold you back from getting... Read More

Thought Fixed Rate Will Give You a Respite from the Perils of Variable Rates! Think Again

Slight increases in the interest rates raise your hackles. Tension... Read More

How Homeowner Can Save Their Home From Foreclosure

Drive around and see how many signs you see that... Read More

How To Get The Best Home Equity Loan

Are you wondering how to get the best Home Equity... Read More

Home Equity Loan or Home Equity Line of Credit ? Which is right for you?

The most common type of home equity loan is the... Read More

Refinance Home Loan and Refinance Home Loans

Refinance home loan lenders are eager to lend money to... Read More

Subprime Mortgage Lenders - Helpful Tips When Getting a Subprime Mortgage Loan

If you have bad credit history, no down payment or... Read More

How To Save Money On Your Mortgage

Obtaining a home loan is arguably the most expensive transaction... Read More

Home Equity Loans - Are They Right For You?

The bills are out of control and you need a... Read More

Home Mortgage Loan Refinancing Online - 3 Tips on Refinancing Your Home

When refinancing your home, it's helpful to know a few... Read More

Student Home Purchase Plan

Tuition costs are climbing, housing costs are climbing, it seems... Read More

Guide to Interest Only Mortgages

Here is a useful guide to interest only mortgages. An... Read More

Tips for First Time Home Buyers

When looking at tips for first time home buyers, you've... Read More

Bad Credit Remortgage Loan: When Bad Credit Plays Mischief With Your Mortgage

Financial difficulties are married to bad credit. It is a... Read More

Mortgage Terms Explained

When you are hunting for a mortgage, you will find... Read More

Reverse Mortgages ? A Tax Free Income For Senior Citizens

I fully realize if it sounds too good to be... Read More

Choosing The Right Mortgage For You

This article will help you understand the differences between a... Read More

Home Equity Loans Popular Scams

Most borrowers fail to realize that when trading their much... Read More

Bad Credit Mortgage Loans - Are You Killing Your Chances of Getting Approved?

When you have poor credit, your list of lenders that... Read More