#Bankruptcy car loans Vancouver

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Want to buy a home?  Where to Start?

Home Adventure Education  & Home buyer & seller classes Upcoming Free (& non-promotional) Home Buyer Classes:                                                     Saturday January 6 , from 9am-12pm (ish)       Marshall Community Center, conference room                                   1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College)                             Thursday, January 11, from 5pm-8pm (ish)       Marshall Community Center, conference room                                   1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College) Saturday, January 20, from 12pm-3pm (ish) Vancouver YMCA, conference room 11324 NE 51st Circle, Vancouver WA (corner of SR500 & Gher Rd/112th Ave)                                                                                                                         If these class dates and/or times don't work for you, please let us know.  We understand that you have lives, and families, and work.  We will work something out that works better with your schedule.  Just let us know....                                                                                                             ....we also have home seller classes available too...link on left on website                                             Remember...with reservation...we will throw in lunch, or dinner!  :-D                           ~~~~~~~~~                                                                                                                            Hey there!                             Happy New Years!  :-)  2018...  does anyone else feel that 2017 flew by?  When you're young they tell you that time goes by faster as you get older.... I am here to tell you that it really is true.  I guess we all need to listen to Dr. Who, and to stop blinking!!!  ....sigh...                               I hope you had a wonderful Christmas with friends, family, and food.... holiday food really is the best.  With the new year starting though, a lot of folks start thinking about new things, and resolutions.  I'm not a fan of resolutions... unless they are to eat more bacon, read more books, crochet more blankets, or help folks buy (or sell) a home.... those are about the only resolutions I can keep!  Do you have resolutions?  Do you keep yours?      The holidays are really about family & home, I think.....having friends & families over for the holidays, or going to someone else's home for the holiday celebrations.  Add that to the new year, and new beginnings and many people start thinking about the next big step.  Is it time for a new home...a bigger home?  Maybe a smaller home, or are you renting your home, but want to be a homeowner?   Purchasing a home, whether it's your first home, or you've owned homes before, is one of the four BIG steps we take in life.  What most folks don't know is where to start, and what questions do you need to ask yourself?  What questions do you ask a lender? A Realtor?  What about classes?  There are SO many right now (it's because it IS the beginning of the year), but how do you KNOW which one is going to give you the best information?    There are definitely some questions you should ask.... Let's start with questions to ask yourself....                           #1...  Do you have a steady income?                           When you decide it is time to try to buy a home, a lender is going to want to see a steady income.  Have you been on your job for at least 6 months?  Were you working before that?  Was it in the same industry?  If you weren't working before your current job, were you in school?  Were you in school for the occupation you are in, or something similar?  Are you self employed?  Do you have at least 2 years of 1099's and tax records to prove your income?  These are all questions a lender will ask, and need answers to.  Want more information on this part?  Contact Chris Berg at Pinnacle Mortgage for answers.  He can be reached at cberg@pcmloan.com , or at 503-320-0925.  Don't let the 503 number fool you....he is local.  :-)                                                     Owning a home is usually a bit more expensive than renting.  With the rising costs of monthly rent, your rent and mortgage payment may be about the same, but owning does have a few more expenses.  When you rent, and something breaks, or has an issue, you call your landlord, or rental management company, and eventually things get repaired.  When you own a home, YOU are the landlord, and so you need to budget for those home repair issues that will come up.  Take $20 from each check and have it automatically deposited in a credit union or financial institution of your choice.  Do not have a check book or card for this account.  This is your home maintenance fund.  You know I love the home warranty, and remember that you can continue it year after year.  Use this fund to pay for that next year of the home warranty.  However, remember that the home warranty does not cover roofing, windows, walls, flooring, or siding.  This account should also be used to maintain and take care of those items as well.                                                       #2...How much debt to you have?   ��                       This is a big one.  We all have debt, and don't get me wrong....I think Dave Ramsey is a good guy with many excellent ideas, but there is one area that he preaches that actually hurts you in the pursuit of buying a home.  The idea of a cash based living style is wonderful, but when it comes to buying a home this will actually hurt you.  Strange as it is, having NO credit is worse than having BAD credit!  Some debt is actually good....not a lot...but some.  A lender will base the amount of your pre-approval on how much income you have vs how much debt you have.  Your mortgage payment can only be a certain percentage of your disposable income which, in a nutshell, is your income minus your debt.  Some debt is good because it gives you a history of payments.  Are you credit worthy?  Do you pay your debts?  Do you pay those debts on time?  Are you reliable?  Too much debt is bad because the ratio of your debt to your income is too high.  When you are applying for a mortgage, that is (for some of us) the largest debt we will ever carry.  How do lenders know if you will pay back that debt?  They will look at your credit score...which is determined by how well you pay your current debt.  This kinds of leads me to our next question.                                                     #3...  What is your credit score?                           Ah yes...the dreaded credit score!  In the upcoming weeks we will spend some time talking about credit scores...the good, the bad, and the ugly.  For right now though, a credit score is based on your credit history.  It tells the lender a story about your reliability of repaying your debt.  Frankly, at some time, we all have credit issues...or at least most of us do.  Many moons ago, when my husband and I were in the early years of our marriage, we had 'issues'.  We had 2 young children, and a ton of medical debt.  When our son was a baby, we declared chapter 7 bankruptcy.  At the time it was the only thing we could do.  My husbands wages were being garnished, and we couldn't even afford diapers.  We were, in a word, BROKE...and only going broker.  So, we made the decision to go bankrupt.  It was, looking back at it, really the best decision we could have made.  After the discharge, we took it upon ourselves to learn about how 'this' all works.  I think they should teach budgeting, and credit in schools.  This lack of understanding gets a lot of young adults in trouble....of course....just like everything else here this is just my opinion  :-)  So, we learned, and we made better decisions, and choices.  We learned to live within our means.  We learned to stock up, and save.  We went back to school to better ourselves, and our situations so we could provide a better life for (at the time) two children.  Our oldest daughter was married this year, and like most young couples they are broke. I guess it is where most of us start. She *barely* remembers what it was like when she was very young.A credit score is based on what type of credit you have, if you make your payments on time (late payments ding your credit score), how much credit you are carrying, and if you pay off your credit in a timely fashion.  Do you have a car loan?  Do you make the minimum credit payment, or more?  Have you paid off a debt?  If you have paid off a credit card....don't close the account because closing the account can hurt your credit score.  Cut up the card if you want, but keep the account open.  Do you have high credit balances?  Lenders don't like to see this because if you have high credit balances it means you have less credit to draw on in case of emergency, and let's face it, we all have emergencies sometimes.                             In short, a credit score is based on your past credit history, and lenders use this number to determine how risky it is to loan to you.  With lending...it is all about risk.  They prefer to loan money to individuals with reliability.  They don't want to loan money to individuals with a high risk...someone who most likely won't pay back the money.                             So what can you do if your credit score is somewhat, less than stellar?  Call your lender, or call Chris.  They can go over your credit report with you, and point out the areas that you need to address.  They can, and should, actually HELP you to understand your credit report, and should be able to give you some steps to take to better your credit score.  Is it hard work?  Yes...but the end result is absolutely worth it.  It may take some time, but if you do all the steps, we can....and will...help you find a home.                                                       What is 'good' credit?  Most loans will want to say a 'mid-score' of at least 620.  There are three credit scoring companies, Equifax, Transunion, and Experian.  The lender will use the middle score of the three.  The better the credit score, the lower your interest rate for some loans as they have determined you have less risk. With a few loans, you can go as low at 580 on your credit score, but there are some 'hiccups' with that.  The majority of loan programs, especially the loan programs that help home buyers with downpayment will require a 620 mid score to loan money to buy a home.                                                                                     #4... Do you have a down payment?  Do you need help with one?                          There is quite a few down payment grants & loans out there that can help with that.  Yes, there really is!  Many lenders, and classes will talk about one...maybe 2, of them...but there are some grants to help with your down payment too.  No lie...  There is also other ways to come up with a down payment....401k, 'gifts', tax refunds, etc.  All of these options (and the pros/cons of each) are discussed by Chris Berg at the free & non-promotional home buyer education classes.  Remember that you do need money for a earnest money deposit, the home inspection, and the appraisal though.  Anyone who tells you that you don't need any money to buy a home is blowing smoke.... *and I'll let you finish that*   #5....  Have you taken a home buyer education class?                          Buying a home, or taking that first step to buying a home, is a tense, exciting, thrilling, fun, and yet scary time for everyone.  These classes are about 3 - 3 1/2 hours long and will go over the entire real estate process & what the papers all really mean to you.  The lender will go over the entire loan process including closing costs, down payment loans/grants, and the loans (including the 100% loans), the pros & cons of each (not just the good stuff, but the things you really do need to know too) , credit (and help to get you there), interest rates, and more.  The real estate portion will help you understand the steps, the questions to ask a Realtor (see next weeks email), inspections, appraisals, earnest money, and what all those papers involved in an offer really mean.  The classes are free, non-promotional, and taught at community centers for your convenience.   Before you talk with a Realtor, or a lender, and definitely BEFORE you sign any papers with either a Realtor or a lender... TAKE A CLASS.  A home buyer education class should be your first step....not the last one.  When you call to rsvp for a class.... ask how long the Realtor and lender have been teaching classes.  Ask how long the Realtor has been licensed.  Ask where the classes are being held at....are you going to a lender office?  A real estate office?  What will they go over?  There's nothing wrong with taking more than one class too..  Buying (and selling) a home are some of the biggest things that you will ever do.  The only thing that will cost you more money is having a child....and wouldn't it have been nice to have a handbook for that?  :-D                                                                                                               Information is power, and I hope that I am able to help you.  Good luck, and as always...May the odds be ever in your favor out there....  If you are looking for a real estate agent, I would love to be able to help you.                                                                                                                                                                As always....this is just a quick overview.... please remember that your agent, and your lender work for YOU.  You drive the bus...we are merely GPS to help you get to your goals.  Like the classes, this weekly blog email is to help you with your home adventure.  The goal is to be informative and non-promotional.  :-)  We are, however, hoping you will call and want us to help with your adventure.                                                        If you have any questions about this, or something you have heard...or if you would like me to help you with your home adventure, please call, email,                              text, or facebook me anytime.  I am, as always, happy to help!                                                          Thank you again for your business and your referrals!!  ...and thank you for referring these classes to your friends, family, and co-workers.                                                             .                               ..disclaimer...if you have already purchased a home, or would no longer like to receive these emails, please let me know and I will be happy to remove you from any further mailings...                                                                                       Next Week:                               Interview Questions to hire a Realtor                                                                                                              Last Week:   Winter time & buying (or not) buying a home                                                                             Have a great day, and I will talk to you soon,                               ;-D                               Tracie DeMars                               Real Estate broker                               Re/Max - Van Mall                               360/ 903-3504 cell                               360/ 882-3600 fax                               www.traciedemars.com                               traciedemars@aol.com                                                               “Interested in free and non promotional home buying or selling classes?  Go to www.traciedemars.com  for local upcoming classes, or facebook: Tracie DeMars Real Estate for my home adventure education blog.  Classes are now available for home owners thinking about selling their home.  Links are on the left."                                                         "Listen to the mustn'ts, child. Listen to the don'ts. Listen to the shouldn'ts, the impossibles, the won'ts. Listen to the never haves, then listen close to me... Anything can happen, child. Anything can be."                                    - Shel Silverstein, American poet, cartoonist and composer, (1930 - 1999). 

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Vancouver Bad Credit Car Loans

Getting approved for a car loan on Vancouver Island could be painful, particularly in the event that you've experienced had problems with credit before. Looking around for a car may be a massive waste of time in case you are not working with an organization that's equipped to fund people with poor credit. The very last thing you need to do is spend time leaping from dealership to dealership being turned down or visiting the bank simply to listen to"no."

Whether you're searching for a car loan or a car rental, Canada Drives can let you to get approved and find you a car you will love, irrespective of your credit position.

So How Can I Get a Auto Loan When I Have Bad Credit?

It is simple! We begin by getting you approved for funding through our fast online application.

When most dealerships in Canada are not equipped to accept clients with less than perfect credit, Canada Drives® dealership spouses may manage virtually any credit situation.

We take the guesswork out of automobile shopping by providing you vehicle alternatives which you are searching for. You will spend zero time in the lender, zero time leaping from dealership to dealership, and much more time driving a car you'll love.

Sandy was fearful she'd be refused until we got her accepted:

I am rather satisfied with the way things went when I was buying my very first vehicle. I was quite nervous since I had been rebuilding my entire life and was scared to be refused. Wow, and also what a fantastic thing. Thank you a lot for all your help. You walked me through every thing and left me quite comfortable. I'll be back but maybe not shortly since I really like my brand new vehicle. Thank you!" Contact Vehicle Finance Vancouver to Get Approved your Car Loans Today!

Missed obligations: the majority of people have missed a payment or two within their lifetime. Divorce: It occurs to greater than 35 percent of unions. Bankruptcy: Beginning fresh is a fantastic thing, construct your credit quicker by making repayments on a fantastic car or truck. Repossessions: obtained a poor deal? Ran into challenging times? It happens. We are here to assist you in getting back on the right track. New into the nation: Welcome! Many inhabitants of BC were not born in Canada -- we could help! There are an assortment of explanations for why somebody has bad credit. Whatever your situation, we could work together with you!

Earning payments on a Vehicle Can Assist Re-Establish Your Own Credit Our financing experts are not only here to help you to get a vehicle, they will lead you towards rebuilding your credit score. With consistent monthly auto payments, your credit rating will begin to improve.

"Not only did they help us develop to a brand new vehicle but they're helping us rebuild our credit...I recommend them to anybody with less than leading credit who's searching for a newer car." - Stephanie

How Do I Get Approved for a Auto Loan near Me?

As soon as you finish our 2-minute program , we will fit you with a dealership on Vancouver Island that may take care of all credit circumstances.

In Canada Driveswe think that the loan application procedure ought to be effortless. The majority of your time could be spent searching choices that match exactly what you would like, and what you are able to afford.

There are a Couple of Straightforward steps required with securing auto financing:

Organizing For Your Bad Credit Car Loan: you will want to ascertain what sort of vehicle that you want, and exactly what your credit and budget permit. Filling Out The Program: We will request some basic info like contact and employment details.

Matching You With a Trader: as soon as you've finished the first two measures, we can fit your program with a certified trader on Vancouver Island which could help ascertain automobile options and the sum which you're in a position to cover monthly. After we have matched your program with a spouse, a trader will reach to you personally.

Join tens of thousands of Canadians who did not let their bad credit win. https://vehiclefinancevancouver.ca/

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Points to Know to Manage your Bad Credit-Car Loans

Deserve a Second Chance:

If you are going through a bad credit history phase, you need not worry at all. Besides, it does not mean that you do not deserve a second chance. So, to get back on track, the bad credit-car loans, Vancouver, Canada, can do it for you with their emphatic professionalism. At present, it also does not matter if you are facing bankruptcy car loans in Vancouver. The auto loan companies can provide you many solutions handling this concern. There are many auto loan companies or lenders who will not give you a loan at all if you have a bad history of credit. Besides, they also don’t bother what is your financial situation today. 

But as a user, you need not be demoralized at all because there are lenders who can make it possible for you even with a poor credit history. The only requirement you have to fulfill is to show that you are capable of repaying the loan amount. If you can do that, there are auto loan companies that can provide you zero down car loans as well. So, you can buy your dream vehicle even with bad credit history. 

Have Full Control of your Loan: 

Other than this benefit, being bad credit-car loans Vancouver holder, you can find yourself among the good-credit holders and also can have the same benefits that they are having. Besides, with these lenders around, you can have a flexible loan structure, and approval times are way faster. All in all, you are in full control of your loan so you can bring yourself right on the track from Bankruptcy car loans in Vancouver, Canada. All you have to confirm how you are going to pay back weekly, fortnightly, and monthly. Just confirm with authority, and the battle is yours.  

Important Tips:

Now, as there are zero down car loans, but as a user, you need to make sure that you stay within your limit and don’t overspend because it can lead you to the bad credit-car loans Vancouver tag. Make a purchase that is within your comfort to repay the monthly installment of the total loan amount. Keep everything crystal clear in your mind before going for an auto loan so that you don’t drain yourself later on after securing a loan. 

 Also, make sure you do the proper research beforehand to find the genuine one to manage your bankruptcy car loans in Vancouver. Don’t make haste and take your time to go with the best one. 

Besides, before making a purchase, get your car checked through a qualified mechanic so that your loan process becomes a successful one. 

At last, accessing a loan is easy but, if you pay back installments timely, you can restore your credit score positively, and thus it makes you eligible to have finance for other things as well from a future point of view. So, make sure you arrive at the DRIVEHIVE Superstore to manage your bad credit-car loans.

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Get instant car finance in Edmonton, Canada. Bad Credit Car Loans, Personal Loans, no credit, bankruptcy in Vancouver, Canada at low interest rate.

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Leolist.cc Owner Canada: Real Estate Investment Trusts

Royalty depends on, in Financing, are traditional flow-through financial investments cars. The count on, like a mutual fund, holds a profile of possessions, which can be anything from creating oil and gas wells to power producing stations to rate of interests in land. The internet capital, i.e. the total capital minus earnings, is handed down to the unit-holders as distribution.

  The function of a Realty Financial Investment Trusts is to lower or remove corporate income tax obligations. In the United States, where they are generally a lot more extensive as financial investment cars, Property Investment company pay little or no federal earnings tax but undergo a number of special requirements stated in the Internal Earnings Code, one of which is the need to disperse each year at least 90 percent of their taxable income in the type of rewards to shareholders.

Leolist

Realty Investment Company are, for that reason, a special type of nobility trust fund. They focus on real estate, anything from office buildings to long-lasting treatment centers. For illiquid assets like realty, mutual funds of this kind make great feeling. Open-end or 'mutual' realty funds undergo brand-new money as well as redemption issues, entirely lacking in closed-end trusts. The initial Real Estate Investment company was presented in the United States in 1960. The lorry was made to promote financial investments in massive income-producing property by smaller investors. The United States version was simple, enabling little capitalists to get equity rate of interests in vehicles holding large-scale commercial residential property.

  But the birth of Property Investments Trusts as a mass investment car can be mapped directly to the liquidity dilemma run into by open-end real estate mutual funds all the way back to 1991-92, throughout the slowdown of real estate that defined those years. Confronted with redemption needs for unit-holders, property common funds were presented with the disagreeable alternative of marketing beneficial real estates into a distressed market to elevate money. Most of them, consequently, chose to close off redemptions as well as converted into Realty Financial Investment Trusts, ever since most frequently called REIT's. Only a few open-end realty mutual funds continue to own property directly. A lot of currently buy shares of actual estate-related business.

  The regular REIT normally disperses regarding 85 to 95 percent of its revenue (rental revenue from residential or commercial properties) to the shareholders, normally on a quarterly basis. This earnings gets an unique tax obligation break, since REIT's shareholders are qualified to a reduction for the pro-rata share of resources expense allocation (depreciation on the real estates). As a result, a high percentage of the circulations are typically tax-deferred. Nonetheless, the amount will differ from year to year and also will differ depending upon the certain REIT.

  As with royalty trust, the value of tax-deferred revenue will certainly lower the adjusted cost base of the shares had. As an example, if a capitalist purchases 1,000 systems at $15.50 per unit, obtains $3,000 ($ 3.00 per share) in accumulated tax-deferred distribution with time, and the offers the shares for $17.50 each, the capital gain will be computed as adheres to:

Leolist Vancouver

[1,000 x ($17.50 - $15.50 + $3.00)] = $5,000 prior to modifications for payments. In Canada, this gain will undergo resources gain therapy, so only half or $2,500 will be consisted of in earnings and exhausted as necessary. As a matter of fact, Canada allows advantageous tax obligation therapy to REIT's by making them RRSP-eligible and by ruling out them foreign property (which would tired at a greater price), as long as the real estate portfolio does not include non-Canadian building in excess of the allowed restriction.

  REIT's yields as well as the market price of systems often tend to be highly affected by interest rates motions. As rates drop, prices of REIT's surge hence causing yields to drop. On the other hand, when rates of interest climb, rates of REIT's decline therefore causing yields to climb.

  For example, when rate of interest were raised by both the Federal Get Board and also the Bank of Canada right back in 2000, the regular REIT was generating near 14 percent as costs per share fell. When interest rates ultimately went down, yields fell to much less than 10 percent as demand for REIT's enhanced thus pushing share rates higher.

  This is a very important factor to consider to be remembered when spending or otherwise trading devices entailing this kind of trust funds. If rate of interest appear to be positioned to rise, financiers might intend to defer purchases, as well as those that have this kind of shares already might think about reducing their direct exposure by selling and take in some earnings.

  There are usually two catches with REIT's. The very first is that since investors are 'unit-holders' rather than shareholders, they are potentially jointly as well as severally accountable along with all various other unit-holders (plus the trust itself) in the scenario of bankruptcy. Rather than minimal liability, investors count on the REIT's administration to have home, casualty as well as liability insurance coverage, prudent lending plans as well as other sensible safeguards in place. Nonetheless there is constantly the possibility of a trouble - claim a disastrous fire or a structure collapse - that is not covered by insurance coverage. This may have appeared like a very little matter before the strikes on the World Trade Facility in 2001. Ever since, nonetheless, it is something that has to be taken seriously.

  The second trouble with REIT's is much less transparent. All real estate buildings decrease in value in time (not the land, only the structures). Devaluation can be somewhat decreased by allocating sometimes significant quantities of loan for upkeep and renewal of facilities. Since most of the REIT's income is being distributed and the resources cost allowance is being allocated to investors, financiers are factually getting their own capital back in time. Because of this, guide value of the underlying real properties will certainly be progressively diminishing.

  Obviously, if real estate markets get on the upswing the depreciation aspect will not be excessively crucial, because it will certainly be offset by the recognition of the underlying possessions. Yet basically, the factor is that the lasting revenue stream is rather variable, certainly extra variable than some supervisors would certainly have financiers believe.

  As mentioned over, the inverted connection between rates of interest as well as rates of REIT's shares plays an important function. Usually, it is risk-free to think that interest rate rises are most likely to be satisfied by REIT's cost declines in the Stock Exchange, since increasing rates correspond to a downturn in the financial growth and less need. However out of the context of the frantic buy and sell of Wall Road, even a slowdown in the marketplace for single-family houses can really profit REIT's. This is so, due to the fact that despite the fact that real estate prices remain in decline, it is still more affordable to lease than to have, specifically throughout a duration of rising interest rates. And REIT's grow on rentals. As a matter of fact, no city is a better setting for REIT's to run in than New York City, where some 70 percent of homeowners rent.

[traciedemars]

New Year...New Home...Maybe?  How/Where to Start? Real Estate Education Upcoming Free (& non-promotional) Home Buyer Classes:     Saturday, January 11th, from 9am-12pm (ish)             Marshall Community Center, conference room             1009 E. McLoughlin Blvd, Vancouver WA (kitty corner from Clark College) Monday, January 13th, from 5pm - 8pm (ish)        Marshall Community Center, Conference room       1009 E McLoughlin Blvd, Vancouver WA (kitty corner from Clark College) Saturday, January 25th, from 11am-2pm (ish) ​       Vancouver YMCA, conference room       11324 NE 51st Circle, Vancouver WA (corner of SR500 & Gher Road/112th Ave).                                                                                            If these class dates and/or times don't work for you, please let us know.  We understand that you have lives, and families, and work.  We will work something o ut that works better with your schedule.  Just let us know....                                                                                  ....we also have home seller classes available too...link on left on website                  Remember...with reservation...we will throw in lunch, or dinner!  :-D ~~~~~~~~~                                                                     Happy New Year!   First I want to thank everyone for attending the Client Appreciation events!  Frozen II, and Star Wars:  The Rise of Skywalker was pretty awesome, and we loving hosting these events for you.  Just our way of saying Thank You for allowing Chris Berg & I to be a part of your home adventure.     Happy New Years!  :-)  2020  Is it just me, or was 2019 a bit bipolar?  It was a bit of a rough year, but now we move forward, and every day is a new start...thankfully!  You know, I remember being told that that time goes by faster as you get older.... I am here to tell you that it really is true.  I guess we all need to listen to Dr. Who, and to stop blinking!!!  ....sigh...      I hope you had a wonderful Christmas with friends, family, and food.... holiday food really is the best.  With the new year starting though, a lot of folks start thinking about new things, and resolutions.  I'm not a fan of resolutions... unless they are to eat more bacon, read more books, crochet more blankets, or help folks buy (or sell) a home.... those are about the only resolutions I can keep!  Do you have resolutions?  Do you keep yours?     The holidays are really about family & home, I think.....having friends & families over for the holidays, or going to someone else's home for the holiday celebration...add that to the new year, and new beginnings and many people start thinking about the next big step.  Is it time for a new home?  Maybe your current home is too small for your family now, and it's time for  a bigger home?  Maybe your family has become smaller and it's time for a smaller home?  Or are you renting your current home, and want to be a homeowner? Purchasing a home, whether it's your first home, or you've owned homes before, is one of the four BIG steps we take in life.  What most folks don't know is where to start, and what questions do you need to ask yourself?  What questions do you ask a lender? A Realtor?  What about classes?  There are SO many right now (it's because it IS the beginning of the year), but how do you KNOW which one is going to give you the best information?    There are definitely some questions you should ask....Let's start with questions to ask yourself....  Bonus Answer.... What if I have a home currently, but want to get a new home?    I bought my first home in 2001.  It was an amazing time for my family, and while we made quite a few mistakes in the purchasing of the home (we went through a builders representative and didn't have our own Realtor), it was still exciting.  I started working for a builder shortly after we moved into our new home, and boy...was that an education.  A few years later we thought about selling, and buying a new home, but were not sure how that would work.   I mean....how do you buy a new home if you are IN the old home?  How would that work?  So we didn't.... we stayed, and that was ok as I was leaving the builder and working real estate outside of the builder by then...and it was best to stay put as the market was starting to slide...hello recession.  I started teaching home buyer education classes because I remember how lost I was when I purchased my first home.  I mean...  believe it or not, but I did take a class before I bought...it was a very LONG class, and they used a booklet that made ZERO sense to me, so it was no help whatsoever.  I wanted to teach classes that made SENSE, and that used the paperwork that people would actually see when buying a home....that was 15 years ago.  About 7 years ago, as the market was heating up from the recession, I had a client call me asking this very question...  HOW do they buy a new home when they own a home already?  How do they sell their current home?  What about paperwork? Agents?  Fees?  Marketing? How do they set up, or handle showings?  How do they sell, and buy at the same time?  So....  we came up for a class for that too.  www.freesellerclasses.com, for upcoming classes, and YES, THE FOLLOWING ANSWERS STILL APPLY TO YOUR SITUATION TOO.  You can always call me with questions too...  I'm always here to help... #1...  Do you have a steady income? When you decide it is time to try to buy a home, a lender is going to want to see a steady income.  Have you been on your job for at least 6 months?  Were you working before that?  Was it in the same industry?  If you weren't working before your current job, were you in school?  Were you in school for the occupation you are in, or something similar?  Are you self employed?  Do you have at least 2 years of 1099's and tax records to prove your income?  These are all questions a lender will ask, and need answers to.  Want more information on this part?  Contact Chris Berg at Cardinal Financial for answers.  He can be reached at Chris.Berg@cardinalfinancial.com, 503-320-0925.  Don't let the 503 number fool you....he is local.  :-)Owning a home is usually a bit more expensive than renting.  With the rising costs of monthly rent, your rent and mortgage payment may be about the same, but owning does have a few more expenses.  When you rent, and something breaks, or has an issue, you call your landlord, or rental management company, and eventually things get repaired.  When you own a home, YOU are the landlord, and so you need to budget for those home repair issues that will come up.  Take $20 from each check and have it automatically deposited in a credit union or financial institution of your choice.  Do not have a check book or card for this account.  This is your home maintenance fund.  You know I love the home warranty, and remember that you can continue it year after year.  Use this fund to pay for that next year of the home warranty.  However, remember that the home warranty does not cover roofing, windows, walls, flooring, or siding.  This account should also be used to maintain and take care of those items as well.  #2...How much debt to you have?This is a big one.  We all have debt, and don't get me wrong....I think Dave Ramsey is a good guy with many excellent ideas, but there is one area that he preaches that actually hurts you in the pursuit of buying a home.  The idea of a cash based living style is wonderful, but when it comes to buying a home this will actually hurt you.  Strange as it is, having NO credit is worse than having BAD credit!  Some debt is actually good....not a lot...but some.  A lender will base the amount of your pre-approval on how much income you have vs how much debt you have.  Your mortgage payment can only be a certain percentage of your disposable income which, in a nutshell, is your income minus your debt.  Some debt is good because it gives you a history of payments.  Are you credit worthy?  Do you pay your debts?  Do you pay those debts on time?  Are you reliable?  Too much debt is bad because the ratio of your debt to your income is too high.  When you are applying for a mortgage, that is (for some of us) the largest debt we will ever carry.  How do lenders know if you will pay back that debt?  They will look at your credit score...which is determined by how well you pay your current debt.  This kinds of leads me to our next question. #3...  What is your credit score?Ah yes...the dreaded credit score!  In the upcoming weeks we will spend some time talking about credit scores...the good, the bad, and the ugly.  For right now though, a credit score is based on your credit history.  It tells the lender a story about your reliability of repaying your debt.  Frankly, at some time, we all have credit issues...or at least most of us do.  Many moons ago, when my husband and I were in the early years of our marriage, we had 'issues'.  We had 2 young children, and a ton of medical debt.  When our son was a baby, we declared chapter 7 bankruptcy.  At the time it was the only thing we could do.  My husbands wages were being garnished, and we couldn't even afford diapers.  We were, in a word, BROKE...and only going broker.  So, we made the decision to go bankrupt.  It was, looking back at it, really the best decision we could have made.  After the discharge, we took it upon ourselves to learn about how 'this' all works.  I think they should teach budgeting, and credit in schools.  This lack of understanding gets a lot of young adults in trouble....of course....just like everything else here this is just my opinion  :-)  So, we learned, and we made better decisions, and choices.  We learned to live within our means.  We learned to stock up, and save.  We went back to school to better ourselves, and our situations so we could provide a better life for (at the time) two children.  Our oldest daughter, and our son in law had a baby this year, and like most young couples they are broke. I guess it is where most of us start. She *barely* remembers what it was like when she was very young.So about that Credit Score....A credit score is based on what type of credit you have, if you make your payments on time (late payments ding your credit score), how much credit you are carrying, and if you pay off your credit in a timely fashion.  Do you have a car loan?  Do you make the minimum credit payment, or more?  Have you paid off a debt?  If you have paid off a credit card....don't close the account because closing the account can hurt your credit score.  Cut up the card if you want, but keep the account open.  Do you have high credit balances?  Lenders don't like to see this because if you have high credit balances it means you have less credit to draw on in case of emergency, and let's face it, we all have emergencies sometimes.  In short, a credit score is based on your past credit history, and lenders use this number to determine how risky it is to loan to you.  With lending...it is all about risk.  They prefer to loan money to individuals with reliability.  They don't want to loan money to individuals with a high risk...someone who most likely won't pay back the money.  So what can you do if your credit score is somewhat, less than stellar?  Call your lender, or call Chris.  They can go over your credit report with you, and point out the areas that you need to address.  They can, and should, actually HELP you to understand your credit report, and should be able to give you some steps to take to better your credit score.  Is it hard work?  Yes...but the end result is absolutely worth it.  It may take some time, but if you do all the steps, we can....and will...help you find a home.  What is 'good' credit?  Most loans will want to say a 'mid-score' of at least 620.  There are three credit scoring companies, Equifax, Transunion, and Experian.  The lender will use the middle score of the three.  The better the credit score, the lower your interest rate for some loans as they have determined you have less risk. With a few loans, you can go as low at 580 on your credit score, but there are some 'hiccups' with that.  The majority of loan programs, especially the loan programs that help home buyers with downpayment will require a 620 mid score to loan money to buy a home.     #4... Do you have a down payment?  Do you need help with one?There are still a few 100% loan programs for those without a down payment, but there are a few strings for these.... mainly location, or being a member of the military.  Surprisingly, you don't have to be a first time home buyer for these programs.  What if you are a first time home buyer thought?  Well, there is quite a few down payment grants & loans out there that can help with that.  Yes, there really is!  Many lenders, and classes will talk about one...maybe 2, of them...but there are some grants to help with your down payment too.  No lie...  There are also other ways to come up with a down payment....401k, 'gifts', tax refunds, etc.  All of these options (and the pros/cons of each) are discussed by Chris Berg at the free & non-promotional home buyer education classes. However, and this is VERY IMPORTANT, remember that you do need money for a earnest money deposit, the home inspection, and the appraisal though.  Anyone who tells you that you don't need any money to buy a home is blowing smoke.... *and I'll let you finish that*   #5....  Have you taken a home buyer education class?Buying a home, whether you have a home already, or are a first time home buyer, is a tense, exciting, thrilling, fun, and yet scary time for everyone.  These classes are about 3 - 3 1/2 hours long and will go over the entire real estate process & what the papers all really mean to you.  The lender will go over the entire loan process including closing costs, down payment loans/grants, and the loans (including the 100% loans), the pros & cons of each (not just the good stuff, but the things you really do need to know too) , credit (and help to get you there), interest rates, and more.  The real estate portion will help you understand the steps, the questions to ask a Realtor, inspections, appraisals, earnest money, and what all those papers involved in an offer really mean.  The classes are free, non-promotional, and taught at community centers for your convenience.   Before you talk with a Realtor, or a lender, and definitely BEFORE you sign any papers with either a Realtor or a lender... TAKE A CLASS.  A home buyer education class should be your first step....not the last one.  When you call to rsvp for a class.... ask how long the Realtor and lender have been teaching classes.  Ask how long the Realtor has been licensed.  Ask where the classes are being held at....are you going to a lender office?  A real estate office?  What will they go over?  There's nothing wrong with taking more than one class too..  Buying (and selling) a home are some of the biggest things that you will ever do.  The only thing that will cost you more money is having a child....and wouldn't it have been nice to have a handbook for that?  :-D                         Information is power, and I hope that I am able to help you.  Good luck, and as always...May the odds be ever in your favor out there....  If you are looking for a real estate agent, I would love to be able to help you.                                                                             As always....this is just a quick overview.... please remember that your agent, and your lender work for YOU.  You drive the bus...we are merely GPS to help you get to your goals.  Like the classes, this weekly blog email is to help you with your home adventure.  The goal is to be informative and non-promotional.  :-)  We are, however, hoping you will call and want us to help with your adventure.  If you have any questions about this, or something you have heard...or if you would like me to help you with your home adventure, please call, email,  text, or facebook me anytime.  I am, as always, happy to help! Thank you again for your business and your referrals!!  ...and thank you for referring these classes to your friends, family, and co-workers.   .   ..disclaimer...if you have already purchased a home, or would no longer like to receive these emails, please let me know and I will be happy to remove you from any further mailings...   Next Week:   Interview Questions to hire a Realtor, or How long is the home buying process aka WHEN do I get keys?                             Last Week:   Winter time & buying (or not) buying a home                                                                              Have a great day, and I will talk to you soon,   ;-D   Tracie DeMars   Real Estate broker Re/Max - Van Mall   360/ 903-3504 cell   360/ 882-3600 fax     www.traciedemars.com traciedemars@aol.com “Interested in free and non promotional home buying or selling classes?  Go to www.traciedemars.com or www.learningtobuyahome.com, for upcoming classes, or facebook: Tracie DeMars Real Estate for my home adventure education blog.  Classes are now available for home owners thinking about selling their home.  Links are on the left. ""Listen to the mustn'ts, child. Listen to the don'ts. Listen to the shouldn'ts, the impossibles, the won'ts. Listen to the never haves, then listen close to me... Anything can happen, child. Anything can be."       - Shel Silverstein, American poet, cartoonist and composer, (1930 - 1999).

[zoverhaul]

[LatestNews] Consumer Credit Counseling Service | (888) 551-1270: Vancouver, Washington Consumer Credit Counseling Service | (888) 551-1270

Consumer Credit Counseling Service | (888) 551-1270

Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Car Repossessions and Wage Garnishment solutions.

Vancouver, Washington Consumer Credit Counseling Service | (888) 551-1270

Saturday 20 April 2019 08:37 AM UTC-05 | Tags: consumer-credit-counseling

Vancouver, Washington Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Wage Garnishment and Vehicle Repossession solutions, Mortgage Loan Modification, and Debt Settlement through chapter 13. Credit counseling starts with the parent and may include intermediaries later in life empowered by the individual debtor to act on their behalf to negotiate with creditors and resolve debt that is beyond a debtor's ability to pay. Consumer credit counseling is a generic name and is not a brand name owned or controlled by any agency or company.

Vancouver, Washington Consumer credit counseling services (888) 551-1270 are provided by attorneys, accountants, finance and tax professionals, for-profit, and non-profit credit counseling companies. Regulations on credit counseling and credit counseling agencies varies by country and sometimes within regions of the countries themselves. In Vancouver, Washington, individuals filing Chapter 13 bankruptcy are required to receive credit counseling from a designated credit counseling agency.

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[LatestNews] Consumer Credit Counseling Service | (888) 551-1270: Vancouver, Washington Consumer Credit Counseling Service | (888) 551-1270

Consumer Credit Counseling Service | (888) 551-1270

Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Car Repossessions and Wage Garnishment solutions.

Vancouver, Washington Consumer Credit Counseling Service | (888) 551-1270

Saturday 20 April 2019 08:37 AM UTC-05 | Tags: consumer-credit-counseling

Vancouver, Washington Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Wage Garnishment and Vehicle Repossession solutions, Mortgage Loan Modification, and Debt Settlement through chapter 13. Credit counseling starts with the parent and may include intermediaries later in life empowered by the individual debtor to act on their behalf to negotiate with creditors and resolve debt that is beyond a debtor's ability to pay. Consumer credit counseling is a generic name and is not a brand name owned or controlled by any agency or company.

Vancouver, Washington Consumer credit counseling services (888) 551-1270 are provided by attorneys, accountants, finance and tax professionals, for-profit, and non-profit credit counseling companies. Regulations on credit counseling and credit counseling agencies varies by country and sometimes within regions of the countries themselves. In Vancouver, Washington, individuals filing Chapter 13 bankruptcy are required to receive credit counseling from a designated credit counseling agency.

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from [LatestNews] Consumer Credit Counseling Service | (888) 551-1270: Vancouver, Washington Consumer Credit Counseling Service | (888) 551-1270 via [LatestNews] Consumer Credit Counseling Service | (888) 551-1270: Vancouver, Washington Consumer Credit Counseling Service | (888) 551-1270 April 20, 2019 at 10:26AM Copyright © April 20, 2019 at 10:26AM

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What you Need to Know about Bankruptcy Car Loans?

These days, bankruptcy car loans Vancouver have come up as the biggest support to the individuals who want to purchase a car after a financial setback. In fact, you will have the option to apply for a car loan on the same day after closing the procedures of bankruptcy.

How can a Bankruptcy car loan help you?

It is a very common situation for many people that they got stuck in financial difficulties and at the same time, they need to purchase a much-needed asset. The availability of the bankruptcy car loans Vancouver finance the purchase of the car, thus, help the people buy their dream car irrespective of the previous bankruptcy record.

These loans are advantageous as they build the credit score after bankruptcy. Whether you have recently filed or you are in the mid of the bankruptcy, you come under high-risk borrower and so you have very least chance of getting a car loan. However, you can fulfill the need of a car with the justified rates of interest by availing a bankruptcy car loan. Also, getting bankruptcy car loans is the best way to build your credit if paid consistently.

Chapter 7 or Chapter 13?

Bankruptcies fall under two categories: Chapter 7 or Chapter 13. In chapter 7 bankruptcy proceeding, the property includes in the bankruptcy is divided among the creditors or lenders. Once they received the share of the proceeds from the property, the creditors cannot get the debt that you owe them.

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The entire process of getting a car loan with a previous bankruptcy record is very simple. Being similar to the other financing options, you require fulfilling the lender’s requirements to qualify. In addition to meet the criteria based on employment, income, and resident, one of the crucial things that a few things that is considered by the lenders is the Credit score. Make sure to check your credit reports for the overall accuracy and to know your credit status. Also, your loan approval depends on the total amount you want to borrow. Minimum the amount, more will be chances of getting approved for a loan. Furthermore, it will be good for you if you prefer a bigger down payment as it will allow you to borrow less.

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[LatestNews] Consumer Credit Counseling Service | (888) 551-1270: Vancouver, Washington Consumer Credit Counseling Service | (888) 551-1270

Consumer Credit Counseling Service | (888) 551-1270

Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Car Repossessions and Wage Garnishment solutions.

Vancouver, Washington Consumer Credit Counseling Service | (888) 551-1270

Saturday 20 April 2019 08:37 AM UTC-05 | Tags: consumer-credit-counseling

Vancouver, Washington Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Wage Garnishment and Vehicle Repossession solutions, Mortgage Loan Modification, and Debt Settlement through chapter 13. Credit counseling starts with the parent and may include intermediaries later in life empowered by the individual debtor to act on their behalf to negotiate with creditors and resolve debt that is beyond a debtor's ability to pay. Consumer credit counseling is a generic name and is not a brand name owned or controlled by any agency or company.

Vancouver, Washington Consumer credit counseling services (888) 551-1270 are provided by attorneys, accountants, finance and tax professionals, for-profit, and non-profit credit counseling companies. Regulations on credit counseling and credit counseling agencies varies by country and sometimes within regions of the countries themselves. In Vancouver, Washington, individuals filing Chapter 13 bankruptcy are required to receive credit counseling from a designated credit counseling agency.

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[LatestNews] Consumer Credit Counseling Service | (888) 551-1270: 3 Critically Injured as Car Overturns in North Hills

Consumer Credit Counseling Service | (888) 551-1270

Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Car Repossessions and Wage Garnishment solutions, Debt Management.

3 Critically Injured as Car Overturns in North Hills

Wednesday 08 May 2019 01:00 PM UTC-05 | Tags: credit-counseling

Three people were in critical condition after a multi-vehicle crash left one vehicle overturned in North Hills Friday afternoon.This is a developing story. Refresh this page for updates.

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[LatestNews] Consumer Credit Counseling Service | (888) 551-1270: 3 Critically Injured as Car Overturns in North Hills

Consumer Credit Counseling Service | (888) 551-1270

Free Consumer Credit Counseling Service call (888) 551-1270 Credit Repair, Bankruptcy Counseling, Foreclosure Prevention, Student Loan Debt Consolidation, Car Repossessions and Wage Garnishment solutions, Debt Management.

3 Critically Injured as Car Overturns in North Hills

Wednesday 08 May 2019 01:00 PM UTC-05 | Tags: credit-counseling

Three people were in critical condition after a multi-vehicle crash left one vehicle overturned in North Hills Friday afternoon.This is a developing story. Refresh this page for updates.

  https://washingtoncreditcounseling.blogspot.com/p/vancouver-washington-consumer-credit.html   https://youtu.be/_RGcI8C3h-w  

      https://www.youtube.com/channel/UCtW1ZwDiouHU5woEqB0Pq4w/about  

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from [LatestNews] Consumer Credit Counseling Service | (888) 551-1270: 3 Critically Injured as Car Overturns in North Hills via [LatestNews] Consumer Credit Counseling Service | (888) 551-1270: 3 Critically Injured as Car Overturns in North Hills May 08, 2019 at 02:09PM Copyright © May 08, 2019 at 02:09PM