It is much better to pay a home mortgage loan and build equity than it is to rent and pay someone else's home mortgage loan for them. By purchasing your own home you are investing in your own future. The possibility of owning ones own home is easily within reach, if there is someone there to help. When buying your own home there are many programs specifically tailored to meet your needs.
When closing on a home it is very important to read everything that you sign. It is important to get copies of the documentation prior to closing so you can go through them. You need to be able to address any concerns prior to the final signing date. If everything is in order, receive your keys, and move into your new home.4. Understand the programs available to youThe US government insures many of these programs which in turn reduces the risk for a lender. Due to the reduction in risk lenders are extending more credit to first time buyers than ever before. In 2005 40% of home buyer's were able to finance their home mortgage loan with no cash down. This dramatic increase is due to government subsidized loans. Stop paying another persons loan and begin earning equity in your own home.There are several factors, that when combined, will tell one what is affordable as a housing expense. It is best to contact a mortgage broker to help with the calculations. Some of the criteria include, but are not limited to: income, current expenses, credit, down payment, interest, job stability, payment history, loan rate, loan term and closing costs.6. Make an offer8. Shop for home owner's insuranceThe best place to start is by getting a pre-approval. The best thing one can do is have a friendly experienced mortgage company to help you through the process. There are several steps that one should analyze as a first time buyer. All of these steps will help you in during your first home purchase and first home mortgage loan.9. Close on your first new homeTiffany ceiling lights are excellent for lighting up an entire room. Tiffany lamps come in all sizes as well. Lamps for the bedside table, desks, buffets, and even wall sconces are available. There are even styles of Tiffany billiard lights that conveniently hang above your billiard table and look classy at the same time. Tiffany floor lamps are perfect for those spaces that are smaller, but need a good light source. Tiffany chandeliers add instant elegance to any dining area. Wisteria blossoms, lily designs, the sun and moon, dragonflies and peacock feathers are designs often found in Tiffany lamps and can be matched to country d�cor or a more elegant home design. During the daylight hours, a Tiffany lamp serves as an ornamental piece, but at night it adds warmth and a bit of magic to your home. At night, a Tiffany lamp can reflect diamond shaped or coin shaped designs against your wall, adding a coziness to the room. Reading by a Tiffany lamp is wonderful since they have a bright, yet soft, light. Many Tiffany lamps have stylish lamp bases that are curved like a swan�s neck or remind you of a flower stem. Simpler lamp bases are often made fashioned with a mahogany bronze finish to further compliment the hues of greens, plum violet, merlot, and gold in many of the tiffany lampshades. Wrought iron is another stunning accent to some Tiffany lamps.There are tens of thousands of lenders and brokers in the United States. Find someone you are comfortable with. A lot of people do not realize that when one goes to a lender they can only take advantage of a program that the specific lender offers. By utilizing a broker you are able to take advantage of the wholesale purchasing power of that broker. A broker can generally save money from what a lender would actually charge.Copyright 2006 Jason P BertrandYou should receive a copy of a Good Faith Estimate or GFE. You need to know what the fees are associated with the home loan and the total cost of interest to you. These are called the closing costs. Although getting a low rate loan is great, one has to realize that the closing costs have an effect on the annual percentage rate. The annual percentage rate is different than the interest rate. The annual percentage rate is a calculation that includes the interest and the closing costs. It is illegal to be discriminated against based on your sex, creed, race, age, sexual preference and several other issues. You are entitled to know why you were not approved for credit if that is the case.When making an offer make sure everything is put in writing. What items you would like included. Things like curtains, blinds, fixtures, chandeliers. All of these things should be listed on the purchase agreement to make sure you are getting what you requested. Simply because you place an item on the purchase agreement does not mean the seller will agree to it. It does mean that it will at least get addressed and will be factored during the negotiation. Make sure you make the sale contingent on a home inspection and have everything put in writing.Motion lamps, like the animated lamps of the 1920�s, feature popular scenes such as water cascading over Niagra Falls or flames burning around a log. It�s no wonder why advertisers sought to reintroduce action lamps again in the 1950�s. In the 50�s these moving lamps were brought back to life featuring Cole Swimwear models or popular snacks and drinks such as popcorn or coke and would rest upon the counter of a bar for all to enjoy!Lava lamps also captured our fascination with colorful lighting and movement. Today, these, and the above mentioned vintage lamps, continue to be popular. Collectors may seek higher valued originals, whereas the homeowner may be just as happy with a modern day reproduction. Adding to the feel of a place, these kinds of fixtures are here to stay!Created and designed by Louis Comfort Tiffany, these lamps can be used in any or every room of your home to create a warm and inviting atmosphere to your home. Unlike his father who was in the jewelry business, Louis Comfort Tiffany desired to bring beauty into the home and Tiffany lamps were the stunning result of his creativity. Tiffany loved the rich jewel colors of blood red and blues found in the Byzantium mosaics. He was able to find a way of adding the color to his glass (so it was actually in the glass) instead of having to paint it on at the end. He began by using discarded glass pieces from stained glass panels to create unique designs. The Tiffany lampshades were then created by fitting hand cut glass pieces into copper foil enclosures. Since copper is very strong, Tiffany was able to design unusual and beautiful shades for his lamps.While illumination is a function of lighting, many of the lamps of the sensory ilk, including lava lamps of the 50�s and 60�s, and animated action lamps of the 20�s and again in the 1950�s, favor more the sense of accent, entertainment and decoration than the practical function of task lighting.Hire a professional home inspector. The home inspector will go through the home and make sure the home is in good condition. Although a home may look beautiful from the outside, there could be some underlying issues that would change your opinion. The home inspector will make sure all of the mechanical and electrical systems are sound and will also make sure there is no damage from water, rodents or insects.Static yet colorful stained glass lighting appeals as eye candy. Beautiful patterns of Wisteria, Iris, and nature captivate, whether lit or not. Not much has changed since pioneer Louis Comfort Tiffany introduced his first stained glass art lamps more than 100 years ago. Vintage original Tiffany fixtures can be bought for more than the cost of a down payment for a San Francisco home.Tiffany lamps can be placed in a kitchen, a recreation room, a dining room, a bedroom, a living room or even a bathroom and each area will appear more inviting. Tiffany lamps add a touch of elegance and class to any home�s d�cor and can match just about any color scheme.
Copyright 2006 Jason P Bertrand
Author: Jason P Bertrand
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