Folcreative

The Forex market will soon close.. I have more time to do other things on the net. I need to read some article regarding gold bullion investment. Have you heard about it?

Last night, I was browsing some properties for sale in the Philippines. I’m not decided which one I need to do first. Yaaay! I have too many things in mind that I want to do but I don’t have funds to do it. Hahaha Oh well, I’m just planning incase I get tons of money. lol

Property I want:

• A condo unit in the city, close to school and universities for Lianne and Gabe. One bed or suit is enough.
• Agricultural land to have my own farm, somewhere in my birth place – Iloilo. We inherited land from my grandparents but don’t know yet what to do with it.
• Continue construction of the house on our lot, that is soon to be paid off in Antipolo, Rizal ;D – I know that this thing need to happen asap.
• Pay off the house in San Mateo, Rizal. – not my priority, but need to do it.

And did I tell that I have timeline for all this things? lol Yeah, I want it to happen by tomorrow. hahahha

I really want to buy another investment property. We have one in Arizona and it’s currently with tenant (thankful for that!). I heard that Atlanta high rise condominium is a good one to purchase now. If only I have enough money to use, I will surely get one of these Buckhead condos.

I actually want to retire on that state. The reason is because one of my families is there. Two of my closest cousins live in Georgia and that would be nice to visit them once in a while. And if I’m not mistaken it’s only 2 hours drive to Atlanta. That would be perfect if we can get property there.

See the reason why I wanted to get property there, click here! Timeless architecture in a high-rise building.. truly an awesome experience to live on this kind of place! I’m convincing my husband to go with me for a tour on this property and also visit my cousins

My sister wants to buy property in our area and last month we submitted three offers. All properties are on short sale offer.. so it all needs approval from the bank if they are willing to accept our offers. Two rejected the offers and we are still waiting for one.

The house that we are waiting needs many upgrades inside. We definitely want to put money in upgrading the living room and the kitchen. All the appliances are too dated. The colors that my sister wants are black, cream, and stainless. I saw this stainless steel fireplace accessories that can complete the charm of the house. She wants the house to have one motif of colors. So anything that will fall on her choice will be considered.

I also found this blomus stainless steel mailboxes or stainless steel mailbox to complete the outside look. The Blomus Stainless Steel Garden Torch Bowl is also a winner to add in the garden. Just need to update the paint outside and add Blomus Stainless Steel Planters and everything will look like her dream house.

Hope that the agent will call us this week to deliver a good news.

I just received a call from our friend who my sister is using as her real estate agent. We need to close a deal of buying a house within this month. Our budget for the property is really not big. My sister just want to get a property so she can use her 401k money that she withdrew.

Tomorrow, I will walk with our friend for the house in the area that we want. So I have to take a look and search the area first. I need to have an idea before seeing the house. Hubby is also asking me to look at some linear motion for his supply needs. Too many things need to be done in one time. Huh!

My sister wants to buy a property here in Sacramento. Now that the market is favoring the buyer.. it’s really a perfect time to buy! She did sign all the documents to know how much she can borrow or get approved for a loan before shopping the property. And I’m so glad to find online a monthly mortgage payment calculator. I was able to find out how much the estimated amount she can borrow. So without the feedback from the loan broker I can start looking for the property before my sister arrives here in our area.

AllTalkMortgage.com is a pretty website to start and get more information about mortgage. They are mortgage consulting company that provides objective and unbiased service. They aim to help current and future homeowners to eliminate costly mistakes in mortgage when buying home. Their website also provides various tools like Mortgage APR Calculator, Mortgage Loan Calculator (PITI), Reverse Mortgage Calculator and more. You can also read information about the benefits of ARM vs. Fixed Rate Mortgage and Rent vs. Buy.

You can also find out the definition of terms used in mortgage. Below are some of the examples:

Annual income

Your annual income before taxes. For married couples this is your total combined annual income before taxes.

Purchase price

The price of the home you wish to purchase. This is the actual price you’ll pay, not including any closing costs.

Total monthly payment

Total monthly payment that you can qualify for. This is the total of principal, interest, taxes and insurance paid each month. Often called PITI.

Cash on hand

Cash you have for the down payment and all closing costs.

Interest rate

The current annual interest rate you can receive on your mortgage.

Term in years

The number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years.

Property tax rate

Your property tax rate. 1% for a $100,000 home equals $1,000 per year in property taxes.

Home insurance rate

Your homeowner’s insurance rate. 0.5% for a $100,000 home equals $500 per year for homeowner’s insurance.

Monthly car payment(s)

Total monthly payment for your car loan(s).

Credit card payments

Total monthly minimum payments for your credit cards.

Other loan payments

Any other installment loan payments, such as student loans or unsecured loans.

AND MORE!

So make sure that you check their website when you need help with what mortgage you should take.