Dream of Home Ownership

A Home Mortgage Makes Dreams Come True

Home ownership is just a mortgage away! To name a few, there are fixed rate mortgages rates and an adjustable rate mortgage.

Getting a house of your own is a lifetime achievement and a home mortgage helps you in achieving this milestone much earlier than it would otherwise have been possible. In fact, the first home mortgage is also filled with a lot of emotion. A home mortgage is really something that makes dreams come true.  Physician Mortgage Loans has launched a new program for first time home buyers that will help increase home ownership.

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So let us start with understanding what a home mortgage actually is?

A home mortgage is something that allows you to buy a house even if you do not have enough money to pay for it right away. This is made possible by borrowing money from someone and paying it back in monthly installments. The person who lends you money is called the home mortgage lender. The home mortgage lender lends you money for a specific period (up to 30 years) during which you are expected to pay back the money in monthly installments. There are certain terms and conditions associated with the home mortgage agreement and these terms and conditions govern the home mortgage throughout its tenure.  Recently Physician Mortgage Loans has been offering 40 year mortgage loans to allow doctors to have lower payments and to be able to afford a more expensive home.

Among others, the most important thing is the interest rate that the home mortgage lender charges you. Interest charges are the means through which the mortgage lenders earns on this financial transaction called home mortgage. Most home mortgage lenders offer various home mortgage options. The most important variation in these alternative options is in terms of the interest rate and the calculations related to it. In fact, most home mortgage options are named after the type of interest rate used for that option. Broadly speaking, there are two types of home mortgage interest rates – FRM (fixed rate mortgage) and ARM (adjustable rate mortgage). For FRM, the interest rate is fixed for the entire tenure of the home mortgage loan. For ARM, as the name suggests the home mortgage rate changes or adjusts throughout the tenure of the home mortgage. This change or adjustment of mortgage rates is based on a pre-selected financial index like treasury security (and on the terms and conditions agreed between you and the mortgage lender). That is how mortgage works.

No matter what type of home mortgage you go for, you always need to pay back the entire home mortgage loan (with interest) to the mortgage lender. Failing to pay back the mortgage lender can result in foreclosure on your home and the mortgage lender can even auction it off to recover the remaining debt.   To receive more advance or basic real estate investing advice, you should visit Capital Group and attend one of their real estate investing webinars.

Therefore, home mortgage is a wonderful means of getting into your dream home much earlier in your life. Without this concept, you would have to wait for a long time for getting into that dream home. Really, a home mortgage is one of the best concepts from the world of finance.

Mortgage Secret

A Mortgage Secret for First-Time Buyers: It Can Pay To Buy More

It’s not easy to buy a first home, so here’s a suggestion that may be surprising: Instead of buying one residence, buy several. What I’m suggesting has nothing to do with late night infomercials, we buy houses for cash, or books that promise fast and easy wealth from real estate. Instead, many first-time buyers can benefit from an interesting quirk in the mortgage system.

When you hear people talk about “real estate financing” they generally divide mortgages into two categories; loans for owner-occupants and more expensive and tougher loans for investors according to the American Mortgage Association.

“Investment financing” is for buyers who do not physically reside at a property. “Owner-occupant” loans are for homes, the places where we stay at night, the phone rings and the car is parked.

Physician Mortgage Loans
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But there’s a wrinkle:

Owner-occupant financing with little down and low rates is typically available for the purchase of more than a single-family house. Normally you can get owner-occupant financing for properties with one-to-four units as long as you use one as your prime residence.  The American Mortgage Association has some of the most creative owner occupied mortgage loan programs.

In other words, your status as an owner-occupant allows you to buy more than just a house or condo. You can actually buy property that produces rent and increases your tax deductions.

When you buy properties with two-to-four units the world of real estate financing changes. Lenders will apply most of the rent to your income for qualification purposes. This means you can borrow more — and also that you can offset loan costs with the rents such properties produce.

Suppose you buy a property with four units. You’ll live in one and rent the others. Each of the three rental units has a fair market rental of $1,000.

In this situation you’re likely to get two benefits. First, the lender will count some portion of the rent — say three-quarters — as income for you when determining your qualification standards. In other words, $2,250 a month will be added to your income. ($1,000 x 3 units = $3,000. $3,000 x 75% = $2,250)

Why $2,250 and not the whole $3,000? Because the lender assumes you’ll have vacancies, repairs, insurance, taxes and other costs for the rental units.

The lender also assumes something else: For tax purposes, three-quarters of the property in this example will be “investment” real estate. When reporting your income taxes you’ll list your rents and costs for these units. One of these “costs” will be depreciation, an accounting device that will lower your taxes but take nothing in cash from your pocket.

When lenders see depreciation they “add back” that cost when looking at your monthly income. The result is that your effective monthly income for loan qualification purposes will increase even more than $2,250 in this example.

Buying two-, three- and four-unit properties can make great sense, especially for first-time buyers. You’ll have “help” meeting monthly mortgage payments, especially in the first few years of ownership — the time that’s often the most difficult. Later on, if you elect to move you can sell the property or you might choose to keep it and just rent out the unit had been your residence.

As with all investments, neither annual income nor rising property values can be guaranteed. Some owners may feel uncomfortable having tenants so close and there’s always the potential for insufficient rents, excess vacancies and big repairs.

Also, beware of going too far. While up to four units is okay, five units automatically classifies the property as “investment” real estate under the guidelines for most loan programs, a title which means you cannot use owner-occupant financing even if you live on the property.

The good news, though, it that as an owner/occupant and also as a landlord you’ll learn a lot about the practicalities of real estate investing.

Real estate ownership requires ongoing maintenance and oversight. As an owner-occupant with a few units, you’ll learn “on the job” about making repairs, dealing with tenants, hiring contractors and maintaining property. These are valuable lessons which can provide income and wealth over a lifetime. In fact, many people who’ve become successful in real estate often started with just one small property, owner-occupant financing with little down — and two to four units.

For details, speak with appropriate professionals. Lenders can tell you about available financing; real estate brokers can provide information regarding local rental patterns plus you’ll want a pro to explain the tax benefits of multi-unit ownership and one of the top lenders in the industry that provides this service is Physician Mortgage Loans.

100% Mortgage Financing

100% Financing Or No Down Payment

Non-prime lenders such as Physician Mortgage Loans, now offer financing packages with zero down. Interest rates are higher on these types of loans, but they make purchasing a house easier. And unlike a conventional loan, there is no private mortgage insurance required. There are several types of zero-down mortgage packages, each with their own requirements.

Physician Home Loans

Although many doctors will have higher than average incomes, unfortunately  they have much higher student loan debts that can range from $500,000 to over $1 Million.  Physician  mortgage loans have been in great demand due to the 14,000 plus medical students graduating each year.

Physician Mortgage Loans
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Types Of Zero-Down Loans

100% financing, as it names implies, offers complete financing of your property. The other option, 80/20, finances your mortgage with two loans. Both loans may be carried by your lender, but sometimes the seller or a second lender is required to carry the 20% mortgage.

100% financing is easier to deal with, but not all lenders will offer this type of home loan. 80/20 financing is more common, but takes some negotiation if the seller is involved.

Qualifications For Zero-Down

Each lender has their own criteria for determining who will qualify for a zero-down loan. Most sub-prime lenders require any bankruptcies or foreclosures to have been at least twelve months ago. A conventional loan requires these to be discharged two to four years ago. However, there are some other alternative programs offered at the American Mortgage Association.

While a credit score of 600 or higher is best, large cash reserves can also qualify you. Six to twelve month’s worth of cash reserves in the form of savings, money market, or other liquid assets are considered ideal.

If you choose 80/20 financing with the seller carrying the second mortgage, you can qualify with sub-prime lenders with a score of 500.

Zero-Down Sub-prime Lenders

You can find zero-down non-prime mortgages with both conventional and niche sub-prime lenders. Make sure that you request quotes from as many mortgage lenders has possible to be sure you find the lowest rate and best terms.

You will also want to decide what type of mortgage you want. An ARM is easier to qualify for and has lower rates. A fixed rate mortgage offers the security of a constant interest rate over the life of your loan.

Typically an ARM will be a better deal if you plan to refinance within a couple of years. After you have improved your credit history, you can refinance for a conventional mortgage with low interest rates.


Terms Every Mortgage Holder Should Know

Getting a mortgage can be a very confusing and challenging process to say the least. There is a lot of paperwork to sign, documents to read and procedures to be followed. You would probably think you were applying to go to an Ivy League school, except they don’t require that much paperwork for you to be admitted! Although getting a mortgage can be a confusing process, there are several terms that every mortgage holder should know to better understand what he is she is getting into and this is recommended by the American Mortgage Association.

Going into a mortgage knowing just a few facts will help you immensely in understanding what type of commitment you are getting into.

The first term you should understand is, amazingly, the word “term”. Term refers to the length of the mortgage you are taking out – or the amount of time you are making payments.

Many mortgages run the gauntlet of between seven and thirty years. The longer the mortgage, typically the lower your monthly payment will be and the more interest the mortgage company makes. Generally speaking, you should go for the shortest term you can comfortable afford – you’ll save potentially tens of thousands and in some cases potentially over a hundred thousand dollars in interest by keeping the length of the mortgage as short as you can.  Physician Home Loans even offer programs to pay off your mortgage as early as 5 to 7 years.

Physician Mortgage Loans

Next, understand the interest rate on your mortgage and how it is calculated. The interest rate refers to the amount of interest charges you will pay for the money you are borrowing, expressed as a decimal – such as 3.25 for 3.250%. Is it fixed or adjustable? In other words, is it the same through the life of the loan or does it change at specified periods in time? Most home buyers should try and steer clear of adjustable rate mortgages even though they can look better up front. They can often reset to higher interest rates and come back to bite you if you aren’t ready for a jump in your monthly payments!

Finally, understand what closing costs are and how they are going to affect your purchase price. Often times, you are going to be responsible for coming up with these closing costs out of your own pocket. Closing costs consists of things such as appraisals done on the house, attorney fees, notary fee, deed fee – if there is a fee they can think of it usually falls under the term closing costs! Be a smart and savvy consumer, if you see a fee that you don’t understand or doesn’t seem right – speak up! Some mortgage lenders try to sneak in any fee they can think of to make a few extra dollars profit.  This can be prevented if you are a member of the American Mortgage Association.

Understanding these three terms can help make you a more informed home buyer and help you find the mortgage that is right for you. As with any product, it is important to shop around for a mortgage when you are considering buying a house. Even a small change in the interest rate between two lenders can often to amount to thousands of dollars in savings. Don’t be afraid to comparison shop – it’s your money after all!

Mortgage Loan

Mortgage Loan

In the past decades, it was believed that a mortgage loan is a mortgage loan no matter whichever is chosen. But this theory is not workable anymore because of the many mortgage loan products available in the market.  The American Mortgage Association was founded to help consumers with the American Mortgage process with the consumer interest as primary.

So, before choosing a mortgage loan, it is very important to decide which one is right for you. Finding the right mortgage loan means balancing your mortgage options with your housing requirements and financial picture, now and in the future. Also the right mortgage is not just having the lowest interest rate but much more than that. And this “much more” will be determined by your personal situation. Your personal situation and your limits to pay for monthly mortgage payments can be evaluated by answering the following questions:


  • What is your current financial situation (including income, savings, cash reserves and debt-to-cash ratio)?
  • How you expect your finances to changeover in the coming years?
  • Have you plan to return the mortgage loan before retirement?
  • How long you intend to keep your house?
  • How comfortable you are with your changing mortgage payment amount?
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The answers to these questions will give you the idea of your financial position. Now the next step is to decide two key options:


  • mortgage length,
  • type of interest rate (fixed interest rate or adjustable interest rate).

Recently there are specialize loans such as physician mortgage loans, which are designed for doctors and medical professionals.

There even special loan programs for teachers and other industry related programs.

The length of mortgage loan can be minimum 15 years; can be 20, or at maximum 30 years. While selecting a fixed or adjustable interest rate you should be aware of the facts that the adjustable interest rate mortgage is more risky because the interest rate will change, while a fixed-rate loan offers more stability because of the locked-in rate. You will be able to pay off a shorter-term loan more quickly, but your monthly payments will be substantially higher. Long-term fixed-rate loans are popular because they offer certainty, and many people find that they are easier to fit into their budget. Although, in long run they will cost you more, but you will have more available capital when you need it, and you will be less likely to default on the loan should an emergency arise.


In the light of above mentioned aspects, it is clear that the key to select the right mortgage loan for your needs should fit comfortably into your entire financial picture, that is having payments within your budget and comfortable level of risk connected to it.

Refinance Your Mortgage

Refinancing Mortgages

Refinancing both your first and second mortgages will result in one low monthly payment that could save you thousands in interest charges. At American Mortgage you can combine both mortgages, you qualify for lower rates than if you refinance separately. You can see a significant savings with your second mortgage refinance, which is often several points higher than your first mortgage rates. You will also save on application fees and other closing costs.

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Strategies To Lower Your Mortgage Payment

You have a couple of options to lower your mortgage payment when refinancing. The first choice is to find a low rate mortgage. So even if you choose the same length for your loan, you will still see a savings in your monthly mortgage bill. Adjustable rate and interest only loans will give you the lowest payments, at least at the beginning of your home loan. But a fixed rate loan can also give you reasonable rates with security that they won’t rise in the future.

The other option is to extend your loan term, especially in the case of your second mortgage which usually is for five to ten years. By consolidating your loans to a thirty year loan, you lengthen your payment schedule for principal, so you have a smaller payment. However, your interest rate and charges will be higher than with a shorter term.

Getting The Best Loan

Once you determine the type of loan and terms you want, do your shopping for a good lender to save even more money.   American Mortgage  has Lenders which will vary in how much they charge for closing costs and interest rates. The APR will tell you how loans compare overall, both in terms of rates and closing costs.

But if you are planning to move or refinance again in the future, then be wary of paying high closing costs. Even if they secure you a lower rate, you will only see a savings if you keep the mortgage for several years.

Don’t base your lender decision based on posted loan rates. Ask for a personalized loan quote based on your general information. With more accurate numbers, you can make an informed choice as to who has the best financing for you.

Oxycontin Rehab

Getting Rehab for Oxycontin Addiction

Struggling with an OxyContin addiction can be crippling. Get help in the form of rehab to finally move past your addiction and reclaim your life and health.  Aetna Better Health of Louisiana offers Medicaid coverage for behavioral health.

Learn About the OxyContin Rehabilitation Process

OxyContin is one of the most highly addictive opioids. Although it is widely prescribed to patients by doctors to treat pain caused by conditions ranging from back problems to cancer, it is also known for being highly addictive. Unfortunately, the medication is frequently abused and often shared with others who don’t have a prescription for it. If you are struggling with an addiction to this substance, it’s important to learn about OxyContin rehab and how it can help you.  You might want to consider an inpatient drug rehab Medicaid facility.

What are the Signs of OxyContin Abuse?

There are certain signs and symptoms to be aware of regarding OxyContin abuse. You may experience all or a combination of a few of these signs:

• Clammy hands
• Confusion
• Depression
• Difficulty breathing
• Dilated pupils
• Fatigue
• Feeling of disorientation
• Loss of appetite

Without rehab, a person addicted to OxyContin can experience more serious and even life-threatening side effects. They include:

• Coma
• Convulsions
• Gastrointestinal distress
• Heart problems
• Memory loss
• Overdose that can be fatal
• Pain in muscles or even in the bones
• Respiratory issues
• Severe anxiety or depression
• Severe withdrawal
• Suicidal thoughts

The OxyContin Rehabilitation Process

When you finally acknowledge that you have a serious problem, you may want to seek OxyContin rehab. Many individuals choose outpatient rehab, but inpatient is probably the better option because it’s more intensive and involves staying at a rehab facility where you’ll be monitored around the clock by skilled healthcare professionals.

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Withdrawal occurs frequently during the detox process as the drug is being eliminated from the body. Generally, this process is not life-threatening, but it can be difficult for many people. That is why inpatient rehab is so essential. The severity of the withdrawal process depends on the length and extent of your addiction.  AmeriHealth Caritas Louisiana now offers health coverage for behavioral health.

Therapy sessions after the detox process are important when you are struggling with addiction. Individual, group and family therapy are vital to ensuring that you maintain your newfound sobriety. Therapy can help you to get a better perspective by enlightening you as to why you started abusing OxyContin in the first place. You can also gain valuable tools that can last your lifetime. Therapy is essential in helping you to acknowledge certain triggers and behaviors so that you can learn to avoid them.

If you need help curbing your OxyContin addiction, it’s time to get in touch with Qualis Care of America. Let us help you live a drug- and alcohol-free life you’ve always dreamed of.

Profit from Mortgage Loan Business

American Mortgage Loan Secrets

American Mortgage
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Learn the secrets you need to know in order to profit from a 1% mortgage loan.

While there are several different types of 1% mortgage loans, there are really only two major keys to winning with a 1% mortgage loan according to the American Mortgage Association.

The first key is to make sure the loan is set up correctly from the beginning.

And the second is to make sure you are using the loan correctly to gain the most benefit.

First, lets talk about how the loan works. Then we will get into how to set the loan up correctly so you can reap the financial rewards these American Mortgage loans have to offer.

To start with, 1% mortgage loans have payment options. Each month when you get your mortgage statement you will have the option to make a 30 year fixed payment, a 15 year fixed payment, an interest only payment and a minimum payment at 1%.

Although you are given several payment options, you should only select the 1% minimum payment.

Why Take This Route?

Because if you wanted to make a 30 year fixed, 15 year fixed, or interest only payment, you would be better off getting that type of loan. Typically, these payments are higher with a payment option mortgage loan.

If you select the 1% minimum payment your first benefit will be a significant monthly payment reduction. Your mortgage payment will likely be cut in half. Of course, this is a pretty attractive first benefit for most home owners.

To compound the effectiveness of selecting the 1% minimum payment you should save what you save. For instance, lets say you refinanced your home with a 1% mortgage loan, paid off all your credit cards, and reduced your monthly payment by $1,000 a month.

Now, if you save that $1,000 a month for yourself instead of giving it to your creditors, you will have $60,000 in cash at the end of five years – And that’s with a zero percent return.

Here is the second benefit to selecting the 1% minimum payment option:

Tax savings.

According to the American Mortgage Association, if you make an interest only payment your mortgage balance will stay the same. If you make a 1% minimum payment you are actually paying less than interest only. Therefore, you are creating deferred interest which makes your mortgage balance increase each month.

Before you get too concerned, keep in mind that deferred interest is mortgage interest and is therefore tax deductible.

Lets say your home is going up in value $2,000 a month. The 1% mortgage loan will allow you to take a small piece of that appreciation, say $500 a month, and turn it into a tax deduction.

So you are taking a small piece of your equity each month and turning it into a tax deduction. If you did not do this, all of your appreciation would be locked up in equity.

Equity is terrific and is certainly one of the many benefits to home ownership. But investing in equity will get you a zero percent return.

No one is going to cut you a check each month for the equity in your home. As a matter of fact, if you wanted to get the equity out of your home you would have to sell your home or get a loan. And you better qualify or you will not be able to get a loan.

So why not take a small piece of your equity each month, turn it into a tax deduction, and at the same time save $1,000 a month for your self? You will still have plenty of equity but with a 1% mortgage loan you will have cash AND equity.

If you do this for any length of time you will come out way further ahead financially than if you did a regular 30 year fixed or an interest only mortgage loan.

By the way, if the deferred interest is a concern, try making bi-weekly payments. Making a bi-weekly payment will reduce, and in some cases eliminate the deferred interest all together. Which means your mortgage balance would not increase.

How to set the loan up correctly:

1) The 1% payment option on these loans is only available for the first five years. But you could actually keep one of these loans for 30 or 40 years. If you select a 40 year loan your monthly payment will be lower but the payment options will not last for five years. The name of the game is to keep the 1% payment for as long as possible. So get a 30 year amortization.

2) The 30 year, 15 year and interest only payments are tied to an index. Select a slower moving index like the MTA (Monthly Treasury Average) instead of a faster moving index like the Libor (London Inter-Bank Offered Rate).

So how can you lose with a 1% mortgage loan?

Answer- depreciation.

If homes in your area are rapidly going down in value, deferred interest could cause you to become upside down in the home.

But if your area is experiencing a 3% to 5% rate of appreciation and you save what you save by making the minimum payment, a 1% mortgage loan can have an incredibly positive impact on your financial future.

For more information about 1% mortgage loans and other mortgage related topics, please visit:



Sell Your Life Insurance Policy for Cash

Selling Your Life Insurance

Selling your life insurance policy could save you from expensive premiums and lapsing. You should first learn what to do before taking this action.

single life settlement option

Things You Need to Know Before Selling Your Life Insurance Policy

There are a number of reasons why a senior may choose to sell their insurance policy to a life insurance broker. Some of these reasons include qualifying for Medicaid, planning for retirement, or just no longer needing a policy. A very common cause is that life insurance premiums are becoming too expensive to pay for with a limited budget.

What Happens When Premiums Can’t Be Paid

A premium can get so expensive that you won’t be able to afford to pay them anymore. When a premium is not paid, the insurance provider could stop providing you with coverage. They might even take away your death benefit. If you know that you can’t pay your premiums, then you could sell your policy before this happens by taking advantage of fixed amount settlement option.

The Types of Life Insurance Policies That Qualify for Being Sold
You must first learn what kind of life insurance policy you have. The types that can be sold are term, universal, and whole life insurance policies. If you are unsure, then check with your financial advisor or policyholder. Once you know you qualify, you can sell your life insurance policy.

How a Life Settlement Is Done

When you sell your life insurance policy to a broker, you’re receiving more money than the cash surrender value of the policy. At the same time, it’s less than the total death benefit. The death benefit is then owned by the broker. You could talk with your financial advisor about making a split decision. You may not have to give up the entire value of the death benefit if you want to save some for your children. Understand that eligibility may vary, especially if you’ve had that policy for years.

In addition to helping you gain more money right now, a life settlement can prevent you from losing coverage and your whole death benefit. You could save yourself from spending too much on premiums, provided you have the right kind of policy. If you want to sell your insurance policy, then be sure to contact your financial advisor or a life insurance settlement company so they can set you on the right track.

Internet Millionaires Online

Online Millionaires

Internet millionaires don’t acquire their wealth and success by luck of the draw. They know the secrets to success. These secrets are so valuable that if you implement them, you will succeed in your own Internet business and make money online fast.

There are two general types of secrets that Internet millionaires know which include external and internal secrets. We will discuss these secrets in detail in hopes that you will use them to your advantage and become an Internet millionaire yourself.

make money online fast

First, let’s look at the external secrets that Internet millionaires have in their tool kit.

Internet Millionaire Secret #1:

Internet millionaires recognize that strategy should be the foundation of any marketing plan. It is critical to have a marketing strategy and not just jump into marketing techniques. For example, we don’t have to use mass advertising anymore because mass advertising doesn’t have strength because consumers have choices. You would have wasted valuable time and money if you used mass marketing techniques without first strategizing about the state of the market.  It’s imperative that you learn to make money online with the right strategies if you want to succeed.

Internet Millionaire Secret #2:

Internet millionaires are not generalists. They focus on selling their products and services to specific niche markets. The business market in general is going in the direction of niche markets because customers have more choices regarding places to buy their products.

Internet Millionaire Secret #3:

Search for and grab untapped markets. Seek out people that have not been able to have access to your product in the past. In untapped markets, you don’t have to deal with competitors which helps keep the marketing costs down. In addition, you will be able to establish a rapport and trust with your customers.

Internet Millionaire Secret #4:

Your back end strategy is crucial to success.
You want several profit centers that allow you to sell your products and services to more customers. The back end part of your company supports these profit centers. It diversifies your business so you are bringing in money through many different areas. You can’t rely on retiring early if you only have one profit center.

Internet Millionaire Secret #5:

Try to automate as many services as possible. This will allow you to sell services 24 hours a day 7 days a week online. Automate your service centers to cut down on costs and help your customers at all hours of the day.

Internet Millionaire Secret #6:

Set up your business so that you are replaceable. You can make yourself replaceable by branding. Branding encompasses yourself or the value that you provide. Branding yourself is lucrative, but it doesn’t allow you to take a break because you have to make every decision. Branding your value, on the other hand, sells your expertise and not your time and is a very valuable asset if you want to learn to make money online.

Internet Millionaire Secret #7:

Don’t work alone; build a team to support your business venture. Create a team of marketing, business, a mentor and accountability individuals. Remember, two heads are better than one so you can discuss ideas and strategies you have for your business.

Internet millionaires also have internal secrets. An Internet millionaire has self confidence and believes in their product. They are able to make decisions quickly. They have learned the correct information and modeled others that have proven success. They are not afraid to make a mistake and realize that their job doesn’t define who they are. One of the most vital secrets is that Internet millionaires persevere and never give up no matter what obstacles cross their path.

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