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Four Things Every Homeowner Needs to Do Before Investing in A New Home 

Buying a home is like any other investment. You cannot move forward unless you do a lot of preparation. 1) Do you have a high credit score? You need one. Scores that fall below 680 are not going to get you the better deals. You are going to either pay a higher down payment or a higher fee. Scores that are between 700-720 are good. You need to try for something in the 750 range or higher because those scores are going to offer the better price. You should stop applying for new credit and try to pay down the old debt. Visit this link for ways to improve your score today. 2) Calculate how much you can afford to pay every month. Do you plan on using an FHA loan to help pay for your new home? Your monthly payments cannot go above 31% of your monthly income. They do not allow it. You sh...

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How Outsourced Accounting Services Make Life Easier

At some point in time every business is going to need people in place that are going to be able to make decisions about payroll and other types of accounting practices. Businesses that are growing are going to need someone that can handle checks and balances. There needs to be a system in place that looks at the revenue that is being earned as well as the amount of debt that has occurred inside of the business. Some companies have accountants in place to handle these things. Smaller businesses, by contrast, are not going to have the same type of money to hire multiple accountants. Fortunately, these smaller entities do not need a full accounting department because small of businesses can simply hire contractors and outsource accounting services. More people are looking at this as a mean...

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Make Sure Your Commercial Loan is a Fit for Your Business

Commercial loans are secured by commercial properties like apartment complexes, warehouses, office buildings or shopping centers. The incomes from the buildings is what is used to refinance, buy, or redevelop a commercial property site. Loans for financing a commercial property are set up to satisfy both the lender and the borrower. These mortgages usually consist of a wide range of underwriting clauses before closing. The property to be mortgaged would need to be inspected and the financial records gone over to prove the income from the property will pay the mortgage amount. About 30 percent of all commercial real estate transactions are done in cash. Usually the buyer will need to find a lender to give them a mortgage for the property. The seller will always be more interested in a bu...

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