Question: Should you pay for a database of paid survey sites? Answer: No. There are several reasons why you shouldn’t pay a dime to take online surveys. First, with a little effort you’ll be able to find all of sites yourself - free. There are a lot of free sites that have pretty good lists and also a few really good free sites out there that have comprehensive free paid survey directories with hundreds of listings. Secondly, market research firms are actually prohibited from charging people to participate in surveys and frown upon anyone who does.

Question: Can I get rich just by taking online surveys? Answer: I’ve had so many people ask me if there are going to be able to retire by taking online surveys. Well, that’s just not going to happen. Where it is possible to make a decent amount of money by making referrals or by running a survey related website, you’re just not going to be making a full-time salary by simply taking surveys. There are a lot of sites out there advertising that you can make thousands of dollars per week or make $45 dollars and hour for taking online surveys (you can actually make $45 dollars an hour for a particular survey, but you won’t always make that much and it may only be a 10 minute survey).

Question: How much can I make? Answer: That’s really hard to say. It really depends on a number of factors. How many sites did you sign-up with? How often do you take surveys you are invited to take? What is your demographic? Etc… But I won’t just leave you hanging at that. I would say, if you sign-up for a number of survey sites, take majority of surveys you are invited to and are not limited in life experience, you could make perhaps $1,000 to $2,000 a year in cash or something equivalent. Mostly you will get smaller payments ($1.00 to $10.00) for a survey but I’ve seen them pay as much as $200. Treat this as extra cash, not a career. You can easily make enough to take family out for dinner, buy a few extras, get a few nice things for around house or save it all for your Christmas shopping.

Question: So, is it worth it? Answer: Yes, I think so. Whereas, it’s not going to make you filthy rich, it’s certainly an easy and fun way to make a few extra bucks. I find surveys to be enjoyable to participate in and for time spent, compensation is pretty good.

That wraps up this question and answer session. Hopefully this article has shed some light on world of paid online surveys. If you cut through hype and know what to look for, online surveys can be an enjoyable way to make some extra money. You’ll get to see new products before they come out, give your opinion on how to make existing products better and get paid to do so. Not too bad for a few minutes of your time.

4.Do you have a bankruptcy or foreclosure in your past? Has it been 2 years since it was discharged? If yes, move on to next step! If not, unfortunately in most cases your bankruptcy or foreclosure will need to be discharged at least 2 years or you will need to have at least 5% down payment.

5.You will need to document 24 months of recent mortgage or rental history. If you rent from a property management company we will need a Verification Of Rent completed. The form will be supplied by your mortgage lender or broker. If you rent from a private landlord, you will need 24 months cancelled checks/ or money order receipts with no payments over 30 days late. Sorry, you cannot prove your rental history if you pay your landlord cash every month, unless they are a property management company. If you are unable to document your rental history there is a way around it. Get your credit report and look for following: Do you have an active credit line on your credit report that has been open for at least 24 months? Has this credit line had any activity in last 6 months? If so, move to next step.

6.Look at your credit report. Do you have a credit line that has a 12 month history reporting? If so and as long as you have no more that 2x30 day late payments then move on to next step.

7.Look at your credit report again. Do any of your credit lines have a high limit of at least $3,000. If so, move to next step.

8.Now take one more look at your credit report. You will need 1 more additional open credit line reporting on your credit report. (It does not matter how long it has been open or how much credit line is for).

Well, congrats! You made it this far which means that your credit might qualify for a Zero Down Payment Loan. The loan program you qualified for is subject to change and is subject to additional conditions. This article should not be construed as an advertisement to lend. These are steps that I go through when trying to pre-qualify a client that has credit problems. There are many more factors to determine so please discuss this with a qualified mortgage professional.

You are probably asking yourself what you are supposed to do with information that was given to you in this article. The first thing is to contact a few mortgage companies. Ask them if they have any zero down loan programs that will go down to a 575 credit score, or whatever your credit score is. Remember, you will need at least a 575 credit score to qualify for this particular loan program. Also, in order to minimize your out of pocket expense, ask your mortgage professional if property seller is allowed to pay 6% of purchase price towards closing costs. If so, you will need to remember to negotiate that into your purchase contract when you make an offer on a house.

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