• ---------BETTER JUDGEMENTS---------
  
  Better Judgements eZine
  Terria Judge, Realtor
  CRS, ABR, GRI, Broker Associate
  
  Better Judgements is a newsletter on home matters, from Terria
  Judge, your Garden City, KS real estate agent!
  
  Contact Terria Judge at 620-271-2129!
  
  Terria Judge
  Coldwell Banker, The Real Estate Shoppe, Inc.
  John P. Judge, Broker
  1135 College Dr. Suite E
  Garden City, KS 67846
  
  1-877-275-7497 x 223
  620-275-7421 x 223
  http://terriajudge.com
  http://gardencityksrealestate.com
  http://gardencityrentals.com
  
  Terria@TerriaJudge.com
  
  Subscription Management at end of newsletter.
  
  Thanks for your subscription to Better Judgements, the
  newsletter from your Garden City Kansas Realtor, Terria Judge.
  
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  In this Issue
  =============
  
  1. Article: First Time Home Buyer Loans – Home Buying Advice
  For First Timers
  2. Features at TerriaJudge.com
  3. Featured & New Listings
  4. Article: Home Owner Loan - 5 Tips To Get Yourself Ready
  For A Home Loan Application
  5. Summer Stuff: Fun Things To Do With Your Kids This Summer
  
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  First Time Home Buyer Loans – Home Buying Advice For First
  Timers
  By Carrie Reeder
  
  Purchasing your first home is an exciting and scary time. For
  the most part, new homebuyers are unfamiliar with the home
  buying process. Before accepting a mortgage loan, it is
  important to educate yourself on various loan programs.
  Furthermore, first time home buyers should be aware of factors
  that improve and decrease their chances of getting a good loan
  package.
  
  How Much Can You Afford to Spend?
  
  The biggest mistake that some homebuyers make is purchasing a
  home they cannot afford. Many assume that since their mortgage
  application was approved, they can meet the expenses of
  homeownership. On the contrary, some lenders regularly approve
  questionable loans.
  
  Obtaining a pricier home may sound appealing; however, the risk
  of foreclosure is higher. Aside from affording your monthly
  mortgage payment, you must have the funds for utilities and
  unexpected expenses that arise.
  
  Get Pre-Qualified for a Home Loan
  
  Getting pre-qualified for a mortgage before beginning your
  search will speed up the home buying process. A
  pre-qualification provides an idea of an affordable mortgage
  amount. Thus, you avoid touring homes and neighborhoods outside
  your budget. A pre-qualification letter from a lender does not
  guarantee a loan. The loan amount is contingent on income,
  employment, and credit verification.
  
  Fix Your Credit before Applying
  
  Although it is very possible to get approved for a first time
  home loan with poor credit, a good credit rating will open the
  doors for low rates and better financing options. Improving
  your credit is a slow process. To begin, strive to pay all
  creditors on time and avoid skipping payments. A key to
  increasing credit scores is maintaining a good credit standing.
  Secondly, reduce your debts. Maintain credit cards at half the
  maximum limit. If possible, payoff balances monthly.
  
  Select a Good First Time Homebuyer Loan Package
  
  Working with a mortgage broker is the best way to locate
  excellent first time home buying loans. Many first time
  homebuyers do not have extra cash for closing or down payments.
  A mortgage broker has access to several lenders that are willing
  to offer assistance for down payments and closing fees.
  Furthermore, if you have bad credit, a broker can match you
  with a bad credit or sub prime mortgage lender. The advantage
  of working with brokers is that you receive multiple offers.
  After receiving the loan application, your broker will send you
  up to four offers from prospective lenders
  
  About the Author: View our recommended Online Mortgage Lenders.
  http://www.abcloanguide.com/mortgageloans.shtml
  
  Source: http://www.isnare.com
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  New Features at TerriaJudge.com
  ====================================
  
  MORTGAGE CALCULATOR: http://terriajudge.com/calculator.html
  OPEN HOUSES: http://terriajudge.com/calendar.html
  
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  FEATURED & NEW LISTINGS
  ========================
  
  *new* http://terriajudge.com/featuredlistings.html
  --1502 Wallace
  --514 Summit
  
  Just visit Terria at
  http://terriajudge.com/marketevaluation.html to fill out an
  interest form if you'd like to list your home!
  
  
  
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  Home Owner Loan - 5 Tips To Get Yourself Ready For A Home Loan
  Application
  By Justin Koh
  
  So you need to get a home loan to finance that new house? There
  are some things you must know to prepare yourself adequately for
  a favorable application.
  
  1) Know your state of finance. Tabulating the numbers is the
  key to avoid future disappointment. Is the price of the new
  house within the range you can afford? How much you can afford
  will also be influenced by home-related cost like furniture,
  home accessories and gadgets, insurance, utility bills etc.
  Self-awareness through budget planning--a few months
  beforehand--enables you to anticipate for the amount of loan
  required so that you can repay it promptly.
  
  2) Know your credit report is in good stead. Your credibility
  is what the lending company looks for in your financial
  background before it can approve a loan. You can find out your
  credit score through reports generated from Equifax Score
  Power, True Credit, or Consumerinfo. A low score almost always
  leads to high interest rates. Many factors determine your
  score, including length of history, income, a profiling of your
  debt and credit obligations etc. If there are areas in your
  report which can be improved, like closing unnecessary
  accounts, take the necessary actions and wait around 60 days
  for the latest status to take effect, then get another copy of
  your credit report.
  
  3) Know all that you need about the fees and interest rates. Do
  a comparison of all the lending companies before settling down
  on the suitable one. Check that all terms and conditions are
  understood, and there are no other hidden cost. If you have
  questions, simply ask to clear the air.
  
  4) Know what's the repayment method is like. Depending on the
  company's policy, you may pay back a portion of the loan plus
  interest, just the interest for the whole length of the loan
  plan or the complete sum including interest after the plan is
  completed. Discuss with the loan officer about your personal
  repayment capability to reach a mutual agreement.
  
  5) Know what documents are needed for the application. Again
  check with the loan officer early to give yourself time to
  prepare them, which are likely to be your pay slip, home
  insurance policy, driver's licence and social security
  information.
  
  Finally, if you can apply for a loan online, you are most
  encouraged to do so. Instant Internet access gives you
  convenience and cuts short the time instead of you having to
  wait in the office for the paperwork to be done.
  
  About the Author: Justin Koh is a freelance writer whose
  articles have appear in most major ezines. You can find his
  latest home loans news and articles at
  http://www.homeloanscenter.info You have permission to publish
  this article electronically or in print, free of charge, as
  long as the bylines are included.
  
  Source: http://www.isnare.com
  
  
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  Fun Things To Do With Your Kids This Summer
  By Susanne Myers
  
  For a family with small children like my own, a big family
  vacation in the summer isn\'t always an option. But just because
  your summer entertainment budget is small doesn\'t mean you and
  your kids can\'t have lots of fun this summer.
  
  Here are ten ideas to get you started on lots of fun this
  summer – on a budget.
  
  1) Water + Kids = Lots of Fun
  Put everyone in bathing suits and turn on the sprinklers. Fill
  the plastic pool that\'s been lying around the garage all year.
  Get some inexpensive water guns at the dollar store and fill up
  some water balloons. Believe me, your kids won\'t need any
  further instructions. Just keep plenty of towels around to dry
  off afterwards.
  
  2) Your Child on Paper
  Get a large sheet of packing paper, or use some leftover
  wallpaper. Any big sheet of paper will do. Ask your child to
  lay on his or her back on the paper and use a pen or pencil to
  draw the outline around him or her. Let your child paint
  features, clothes etc. When the paint dries, cut the shape out
  and hang this life-size picture of your child up.
  
  3) Make Your Own Sidewalk Chalk
  Use the recipe found at
  http://www.kinderinfo.com/crafts/sidewalk-chalk.htm to make
  your own sidewalk chalk. Use it to let the kids turn the
  driveway into a piece of art, or and use it to play hopscotch.
  
  4) Take Me Out to the Ballgame
  Do you have a baseball team in town? It doesn\'t have to be a
  major league team. In fact tickets will be a lot cheaper if it
  isn\'t. Take the kids out to a minor league game or even watch
  your high school team play.
  
  5) Backyard Camping Trip
  Don\'t have time to take the kids on a camping trip this year?
  Just camp out in the backyard or even in your living room. Your
  kids will enjoy it just as much as going out into the woods, and
  it will give you a great chance to spend some quality time with
  your kids uninterrupted by TV, video games etc. For more tips
  on how to turn this into a fun event, read Backyard Camping
  Trip at
  http://www.kinderinfo.com/articles/backyard-camping-trip.htm
  
  6) Take the Kids to Work
  Have your kids been curious what Mom or Dad do all day at work?
  Take them with you for a day or even just a few hours before
  they have to go back to school. Of course you may want to check
  with your employer first. If he doesn\'t like the idea of having
  a child hang out in the office all day, ask if it would be ok
  for someone to bring your child in for an hour or two. Get your
  child involved while he or she is visiting with you. Ask him or
  her to help you with some of your everyday tasks.
  
  7) Game Night / Movie Night
  Dig out some of the board games that have been sitting in the
  closet for ages and play games for a few hours. You can even
  share some games that you enjoyed playing as a child.
  Movie Night is another great way for the entire family to spend
  the evening together. Rent a family movie, make some popcorn and
  have everyone watch the movie together.
  
  8) Lemonade Stand
  Encourage your children to open a lemonade stand. They\'ll be
  busy all day making posters, and lemonade of course, setting up
  the table and selling the lemonade. This is also a great time to
  work in some math practice by working with them to figure out
  the cost of each glass of lemonade and how much they need to
  sell it for to make a profit.
  
  9) Treasure Hunt
  You can keep the kids busy for hours with a fun treasure hunt.
  The idea is to create a series of clues that the kids will have
  to follow to get to a little prize in the end. You can draw the
  item where the next clue is hidden on a note card, or give them
  a written clue. For example, \"The next clue is hidden under a
  chair in the house\". Put another clue under one of the chairs
  saying that the next clue can be found hanging in a tree in the
  yard. This can be as simple or as elaborate as you\'d like.
  
  10) End of Summer Party
  Invite the kids your child has been playing with all summer for
  an End of Summer Party. You may want to have their parents over
  as well, to give you a chance to get to know each other. This
  doesn\'t have to be fancy, just ask everyone to come over and
  grill some hotdogs in the backyard.
  
  About the Author: For more Summer Fun Ideas for Kids, join the
  Kinderinfo Newsletter at http://www.kinderinfo.com/newsletter
  and we\'ll also send you our ebook \"Summer Fun\", which is full
  of even more great ideas to have a good time this summer.
  
  Source: http://www.isnare.com
  
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  This newsletter is compiled and published by Mitone Griffith, http://BIGad.org

  June 7th, 2006 at 3:33 pm

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