Bad Credit Home Loans

Written by Ethan Hunter

Continued from page 1

It seems all too often that people with bad credit feel that they are unable to get beyond their past. Owning a home and showing on-time mortgage payments is a good way to improve your overall credit portfolio. If you are approved for a mortgage and show payments being made on time this will go along way towards improving your credit scores and improving your overall financial picture.

When applying for home loans, do not try to hide your credit history, invariably they will uncover any and all skeletons you hoped were in your credit closet. You are much better off being open and honest with your mortgage lender. A good mortgage lender will know exactly what packages they can look into for you if you give them an honest and realistic picture of your credit history and other financial matters. Tell them what is wrong in your credit report and can be fixed, what is accurate and cannot be fixed and what you are unsure about. Some lenders will allow an explanation, including proof, of incorrect items on your credit report and look beyond them while evaluating your loan. Dishonesty, however, can hurt you inrepparttar long run so be completely honest withrepparttar 150982 lending institution.

You can also consider using a co-signer forrepparttar 150983 loan who has a stronger credit history in some cases. You may be able to have them cosignrepparttar 150984 loan for a period of time and then you can refinancerepparttar 150985 loan in your name only once your credit history has been improved. This has become more common with first time homebuyers. The refinance market is strong and there will always berepparttar 150986 opportunity to do just that.

The simple fact ofrepparttar 150987 matter is that there are countless loan packages available to people with bad credit or no credit history. These loan packages can help you whether you have a large down payment, a small down payment or no down payment at all. Speaking to a mortgage lender or network of lenders that have many packages at their disposal will help you begin to realize your dreams of homeownership and put you on a path towards a much brighter financial picture.

Ethan Hunter is the author of many credit related articles.  If you are looking for help with Home Loans or any type of credit issue please visit us at

Five Reasons for Fundraising Failures

Written by David Westbrook

Continued from page 1
Removingrepparttar fun from fundraisers can be a crucial mistake. Fundraisers are most successful when they attract repeat donors. These individuals are more likely to donate at higher levels and invite others who are willing to dorepparttar 150953 same. Keeping a donor coming back is oftenrepparttar 150954 result of making sure that they have a good time. Outward Bound which puts on a black tie and tennis shoe annual dinner, sets up ropes courses and climbing walls and has a high number of returning donors year after year. Over and over planning for fund raising events is left torepparttar 150955 last minute. Invitations don’t go out in time for individuals to make plans to attend; auction items aren’t secured in time for a sneak preview inrepparttar 150956 form of a letter or program; and special guests inrepparttar 150957 form of important legislators or other persons of honor are not asked far in advance making it impossible for them to fitrepparttar 150958 event into their schedules. One ofrepparttar 150959 most frequent mistakes made in fundraising letters and at fund raising events isrepparttar 150960 failure to “makerepparttar 150961 ask.” All to come inrepparttar 150962 fund development field isrepparttar 150963 direct appeal letter that lacksrepparttar 150964 direct appeal. Yes, it’s important to explainrepparttar 150965 mission, give a heart warming story about howrepparttar 150966 organization has impactedrepparttar 150967 life of a client, but most important is stating in no uncertain terms what is wanted fromrepparttar 150968 reader. The same is true for an annual fund raising dinner. Success is dependant on not being shy, “We need you to donate today.” The most important thing to keep in mind about fundraising failures is that they are preventable. If organizations know whererepparttar 150969 pitfalls lie, plan carefully, and work diligently to meetrepparttar 150970 needs of donors every fundraiser can be a success.

David Westbrook is a freelance writer living in Portland Oregon. For more information on fundraising, see and

    <Back to Page 1 © 2005
Terms of Use