With the continuing tightening of underwriting requirements very few zero down payment options remain for home buyers! Introducing the U.S.D.A. Guaranteed Rural Housing Program! It can be a wonderful option for low to moderate income home buyers and the best part is….you don’t have to be a first-time home buyer! The program is also available to repeat buyers as long as you qualify under the program income and property guidelines.

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Join us Today as my guest, Tyrell Hobbs of Academy Mortgage Corporation* in Redmond, Oregon and I discuss the features and benefits of this wonderful program.

As a result of the Credit Crisis these past few years, a lot of potential home buyers are left feeling that they just don’t qualify, but you may be surprised by just how many people may be eligible for this program!

One of the 4 biggest mortgage mistakes that I see consumers continually make is “Doing nothing because they think they don’t qualify!”

Do some homework and explore your options…You may be glad you did!

*Required compliance disclosure

Contact Info:

The post Surviving the Credit Crisis – Attention: Home Buyers! If You Are Looking For A Zero Down Payment Option – Check Out The U.S.D.A. Guaranteed Rural Housing Loan. appeared first on WebTalkRadio.net.

The real estate and mortgage industry is changing almost on a daily basis like we’ve never seen before with the implementation of new rules by the Consumer Financial Protection Bureau (CFPB) and their Qualified Mortgage Rule (QMR) that will take effect on January 10, 2014.

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Everyone in the industry is talking about it and how those changes will affect home buyers in the new year! Today’s markets have been stabilizing and growing, prices are rising, inventory is tight, and I’m seeing more and more new construction coming into the market. So….I thought it would be a great idea to have a round table discussion about what’s going on in the Oregon real estate market as an example. My two guests today are experts in the Portland, OR market. Please welcome Kahren Oxner, a sales manager at Academy Mortgage* in Lake Oswego and Shea Steel, from Re/Max Equity Group* in Portland. Kahren, Shea, and I will be discussing obstacles that buyers face in today’s market, how to approach a multiple offer situation, great advise on how to make an offer that’s over list price in a bidding war, asking the seller to pay for repairs, and why buyers should purchase NOW!

It is an information packed show that you won’t want to miss!

* Required compliance disclosure:

Contact info:

Kahren Oxner, Academy Mortgage Corporation, 3 Centerpointe Dr, Suite 290, Lake Oswego, OR 97035, NMLS# 590552 Direct: #503-453-6849

Shea Steel, Re/Max Equity Group, 237 NE Broadway, Ste 100, Portland, OR 97232 Direct: #503-975-7036

The post Surviving the Credit Crisis – Obstacles in Today’s Real Estate Market – A Realtor Perspective appeared first on WebTalkRadio.net.

There are a lot of properties on the market today needing tender loving care due to the housing/credit crisis these past few years.

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We’ve always been told that when shopping for real estate, it’s all about location, location, location! But what do you do if you’re shopping for a home and you find that dream location, but the house just doesn’t fit your vision? It may need basic repairs, updating, or be in need of a major face lift. A renovation loan just may be your answer.

Today, my guest, Kahren Oxner, Sales Manager of Academy Mortgage Corporation, and I will be talking about one of our favorite renovation loans…the FHA 203K.

We’ll be discussing in detail:

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Home ownership is a privilege, not a right, one that comes with huge responsibility, financial and otherwise. It involves a certain mindset and may not fit every personality or lifestyle! Have you ever asked yourself should I buy or should I rent? And…how do I know the difference? Where do I need to be financially to know for sure that I am ready to buy my first home?

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Join me today as my guest, Bennie Waller, PhD, Professor of Finance and Real Estate at Longwood University in Farmville, VA, and I discuss all these important questions and guide you on a path to greater financial awareness when it comes to owning a home. Here are just a few other items we will cover:

Please join us…

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We continue our discussion on financial literacy and the damage it can play in our lives and in our relationships!

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Have you ever wanted to take control of your money, but haven’t known where to start? If so, this show is for YOU! Join me and financial empowerment experts, Dr. Bonita & Bradley Vinson, as we discuss how YOU can be empowered to do what it takes to get out of debt, build a budget that works and take control of your finances with confidence.

Did you know that men and women have a different mindsets about money? It’s true…and it’s those mindsets that can be the catalyst to financial slavery or the paradigm shift toward financial freedom when comes to money, mortgages, and the entire credit environment.

We will be discussing the personality traits that contribute to the misery and the D.I.M.E.S. method to help you get out of debt sooner than you think.

Learn small, simple, and proven steps to succeed with budgeting, controlling debt, managing credit, building wealth and so much more!

The post Surviving the Credit Crisis – Beat Debt. Build Wealth. Live Victoriously! appeared first on WebTalkRadio.net.

With continued instability with our economy, the value of the dollar, risk involved with long-term investments, and the stock market, more experts are recommending adding gold and silver to self-directed IRA portfolios.

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My guest today is, Todd Dudkevitch, Senior Account Executive with American Bullion. American Bullion is a trusted leader in adding gold and silver to individual retirement accounts. As a listed dealer of the United States Mint, American Bullion specializes in converting existing IRA or former 401(k)’s into a self-directed IRA containing precious metal’s. With Millions of precious metals delivered monthly, American Bullion provides a hassle-free process that ensures every rollover is an easy process.

Todd and I will be discussing the real impact that the deficit has on today’s consumer and the overall financial well-being of not only our country, but the world. The national debt continues to grow at $49,000 per second according to the NEW book, “The Next Wave: Understanding The New Gold Rush” being offered today by American Bullion. If you really want to understand what’s going on in today’s financial markets and what that means to YOU, I highly recommend this book. As a wonderful FREE gift from American Bullion, we will be giving away 4 copies of “The Next Wave: Understanding The New God Rush” to the first four people that email me on the show page and request a copy.

Gold and other precious medals have been recognized as the most reliable currency for millennia and they continue to prove the test of time.

Please join us for a very enlightening show!

The post Surviving the Credit Crisis – Understanding the NEW Gold Rush! appeared first on WebTalkRadio.net.

It’s time to take a dive into your financial story! Yes! You have a story…we all have them! It’s what we do with our stories and how they affect us that makes all the difference. You never know what story your neighbors, co-workers, friends, or even your closest relatives may be living with. But your story does not have to define you or limit you! Our ideas about money are deeply rooted all the way back to our childhood and this perspective can have a tremendous impact on our relationships, career, family, and future planning. It’s time to make a choice! Choose not to be a victim and discover the wonderful payoff that follows.

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Join me today as my guest, Pegi Burdick, author of “It’s Never About the Money…Even When it is?” ,lovingly known as “The Financial Whisperer” and I discuss the tools you need to experience a freedom around money many have never known before. We will be discussing the tools needed to take the necessary steps to start you on a journey to a new way of life! We will also be discussing how to personalize your financial goals and how to navigate the Best Fit Mortgage and budget process.

Eliminate your fears and leave financial chaos behind you…

The post Surviving the Credit Crisis – Take Control of Your Money Mindset! appeared first on WebTalkRadio.net.

Buying a home is a complicated process, and it can be very intimidating for the first-time home buyer! In Today’s mortgage and real estate environment filled with media hype and negative press, it’s hard to know where to start.

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But…it doesn’t have to be that way!

Join me as my guest, Kahren Oxner, Oxner Mortgage Group at Academy Mortgage* in Lake Oswego, Oregon, and I discuss the 9 critical questions that you should ask when interviewing a lender. We will also be discussing the fact that a pre-qualify letter and a pre-approval are not created equal, and how to save time, money, and stress shopping for your Best Fit Mortgage with an action plan that takes you step by step through the entire process.

Get educated, be aware, and find out what you’ve been missing!

* Academy Mortgage is an equal housing lender

The post Surviving the Credit Crisis – Frequently Asked Questions of the First-Time Home Buyer appeared first on WebTalkRadio.net.

One of the biggest causes of divorce in our country today is relationship breakdown due to financial hardship and our own personal relationship with money. As a 37 year mortgage veteran, consumer advocate, and life coach, I can’t tell you how many times I’ve seen couples fighting over money. Counseling couples at the time of home purchase or refinance can be a very stress filled environment when I pull a credit report and there are spending habits, poor credit scores, or undisclosed debt that the other spouse or partner was unaware of! Also, not communicating and having common budgeting goals or an agreement can just add fuel to the already smoldering fire. Far too many times I have asked clients sitting across my desk what monthly payment they can afford and I get a response like “I don’t know…that’s what I thought you were going to tell us?” A loan officer will tell you what the lender is willing to lend, but that is not necessarily what you can afford! And there’s nothing more frustrating than finding out later that your “Dream Home” has just eaten up your entire budget and there is no money left for vacation or fun stuff. Blow number #2 to an already shaky situation.

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Today, couples need to be clear on what their financial goals are prior to going to a relationship! Join me today as my guest, Diane Tegarden, Author of “Budgeting on a Dime: 10 Steps to Financial Independence” and I discuss how credit and too much debt can be the killer of any relationship and how it’s time to be aware and get educated on your choices before you commit.

The post Surviving the Credit Crisis – Too Much Debt: The Killer of Credit and Relationships appeared first on WebTalkRadio.net.

You’ve just been turned down for credit from your local lender. The denial letter indicates the reason code to be “Poor Credit Performance” or “Delinquent Past or Present Credit Obligations.” You shake your head in confusion and your blood pressure begins to rise because there shouldn’t be any derogatory information on your credit report! Is it a mistake? Are you a victim of Identity Theft? Who knows…and no one can seem to give you any answers. All you’re told is that it’s your responsibility to get a copy of your credit report to investigate. When you get your credit report, you see there is an error!

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Yes…credit report errors do happen and they can be a huge source of frustration and stress. They can turn your life upside down and leave you with the feeling of helplessness. Millions of people will have this problem, and they are difficult to remove or repair and it seems like the credit bureaus always tell you that all their information is being reported correctly! So…what do you do?

Join me today as my guest, Larry Klein, Author of “How to Fix Your Credit Report: What to Do When Credit Bureaus Ignore Your Credit Dispute” and I discuss how to get help fixing your credit report when lenders won’t cooperate and the Credit Bureaus are no help!

It’s important to monitor your credit report on an annual basis to eliminate this kind of surprise whenever possible, but when an error does happen…here’s some extra help when you need it most!

It’s a show that you don’t want to miss!

The post Surviving the Credit Crisis – How to Fix Errors on Your Credit Report, The Dispute Process. appeared first on WebTalkRadio.net.