An Easy Way to keep your family budget?

As finance guru Dave Ramsey says the first thing anyone should do when they attempt to get their household finances in order is to prepare a family budget.  If your like me–preparing and thinking through the budget is much easier than actually tracking it and thus-keeping it.  Thankfully, we live in the 21st century and there are a … Continue reading An Easy Way to keep your family budget?


How to save at the Warehouse clubs and are you really saving?

The Seattle Times published a story on the warehouse clubs and found that if you do not spend over $300/year you will not make up for the yearly membership fee.  So after $300 your actually saving money buying in bulk. Do you know how to tell the marked down/clearance items at Sams Club and Costco? … Continue reading How to save at the Warehouse clubs and are you really saving?


tax credit information

Tax credit: Important things to know if you are looking to take advantage of the $8,000 or $6500 credit: 1) Must sign a contract by April 30th 2010 and close by June 30th 2010 2) Must be Primary Residence 3) Must close before claiming credit 4) Must file a 5405 form with the tax return … Continue reading tax credit information


Are you struggling to pay your mortgage, or possibly looking at foreclosure?

If you or someone you know is struggling to make your mortgage payment or if you are already behind, give 888-995-HOPE a call.  This is a non-profit organization that will assist you in modifying your current mortgage.  Mortgage companies across the nation have been ordered to modify loans for families that qualify.  Some banks prefer … Continue reading Are you struggling to pay your mortgage, or possibly looking at foreclosure?


Should I Buy or Rent right now?

With the daily onslaught of grim news coming out of the housing industry many clients have indicated they have thought about renting for a while until the news gets better.  Our advice is that if you wait until the news tells you it’s a good time to buy, then you will have waited much longer … Continue reading Should I Buy or Rent right now?


How Can I improve my credit score?

Improving your credit score is not as hard as you may think and in some cases with the right methods you can make serious improvements to your score in as little as 45 days.  It is more important now than ever to  maximize your credit score in order to not only qualify for credit when … Continue reading How Can I improve my credit score?


Where are Interest Rates headed?

Recently, the Federal Reserve announced it would be ending it’s purchase program of Mortgage Backed Securities in Spring of 2010.  What does this mean?  It means that our government has been buying mortgage bonds by the Billions on a monthly basis  (over 1.087 Trillion year to date)in order to keep mortgage rates low so that … Continue reading Where are Interest Rates headed?


First Time Homebuyer loans

I’ve been asked by many first time home buyers if there are still loan programs available with lower down payment requirements.  The answer is absolutely!  The United States Department of Agriculture or USDA has a special NO MONEY DOWN with No Mortgage Insurance Required program designed for homeowners of moderate income and for housing located … Continue reading First Time Homebuyer loans


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