Monday, November 29, 2021

Little Leaks That Keep Men Poor


Refinancing A Home 

There are several things you will want to consider when considering refinancing:
1.  Loan Pre-Qualification

2.  Market price of home

3.  Repayment Time Frame

Loan Pre-Qualification

Loan pre-qualifications will determine if you have the financial ability to invest in real estate in the beginning.

By having the right pre-qualification, you can be guaranteed a specific amount of money and will have the ability to move into the home of your dreams.

Market Price Of Home

You do not want to get a refinance loan that price your home out of the market if you choose to sell at a later date.

Repayment Time Frame

The loan officer will determine with a formula how much you would have to payback within the time frame they are granting a loan.


Considerations for loan pre-qualifications:

1.  Yearly Earnings

2.  Time Frame for Repayment

3.  Loan Amount

Take an earnest look at what bills you have and how much you payout each month.

Credit Report

A credit report will be pulled by the loan officer, but you should pull a credit report yourself so you can be better equip to what is going on with your finances. is a site you get your credit report.  

If you are turned down for any purchases or loans you can pull your credit report for free within 30 to 45 days after the denial letter is received.  

Financial Institution will look at the above factors and determine how much you can pay and how this will relate to the debt and finances that you have coming in and out of your pocket.

The  pre-qualification formulas it will divide things by factoring in ratios for standards of living.

By knowing what to expect, you can prepare for the process of getting a refinance loan to make improvement on your property.


Seek advice from your tax expert about tax breaks for equity loans, refinance loans, and home improvement loans for your investment properties.  

If you are deciding on whether to refinance your home, you will want to consider several parts of the refinancing. First, you will want to make sure that you are not taking your home out of the market. You can determine this by researching to see what the market value of the area is and how this relates to your home.

If you are using a refinancing loan in order to consolidate bills or improve your credit, make sure that your finances are stable enough to allow you to pay off the refinancing loan.

If you begin to refinance at the right time and with the right idea in mind, you can benefit off of a second mortgage and with some home improvement. Polishing the floors and removing the old to put in the new can be beneficial not only for your check book,
but also for your future.

Use the money you borrow for the purpose you borrowed it.  Be wise, do not overspend.  Invest your money wisely to avoid the little leaks that keep men poor. 




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