6. Know What You Need And What You'll Concede What is essential to one homebuyer may be of no value to another. Creating "need-to-have" and "nice-to-have" lists can be helpful. Your first "need-to-have" list may be very different from your final version; still, it serves as a starting point for you to discuss and decide upon those features that are absolute essentials. For instance, public transportation to shopping areas might be a "need-to-have" if you do not own a car, while it is another person's "nice-to-have." If someone in your family is disabled, a one-level home with wheel chair access may be a necessary feature. However, you may decide that adding a customized ramp after home purchase is more cost effective. Identifying what you want and what you need helps your real estate agent pinpoint your ideal home.

7. Keep Score Of The Houses You Tour After inspecting a home, record its positive and negative aspects and write down your overall impressions. Eliminate those homes which do not measure up to your satisfaction. Review your "nice-to-have" list to see how many additional positive points each property may possess. These scorecards will be very helpful in narrowing field for your final selection. Continued from previous page

8. Maneuver The Maze In Just Seven Days A firm understanding of mortgage process will help mini- mize delays and ensure your smooth transition from house hunter to homeowner. At pre-qualification, a list of required documentation is presented, and as you approach application process this documentation must be produced. At application, loan officer collects documentation, and assists you in completing an application form. You receive a Truth in Lending Statement and a Good Faith Estimate outlining costs and estimated fees involved in your mortgage. Loan registration assures that money is available at a set interest rate if and when your application is approved. With proper documentation, most lenders should be able to provide a letter of committment, subject to appraisal, in as little as seven business days.

The property must be adequately collateralized to secure loan once an appraisal is performed. Processors organize your information and may verify your employment status, bank balances and other information from your application. An underwriter reviews all information in your loan file to determine if application meets lending guidelines. At this point, loan is either approved or denied. Closing is when ownership of property is transferred. All fees are paid, remainder of downpayment is remitted, as are closing costs such as title insurance and taxes.

9. If At First They Deny, Give It A Fresh Try The loan for which you apply may not be loan for which you are ultimately approved. Sometimes a mortgage lender offers a program with different terms or a counter offer. They may grant your loan, but with certain conditions to be met prior to closing (such as a termite inspection). If your application is denied, you will receive an adverse action notice stating a specific reason(s) for denial. Many of reasons for denial such as insufficient funds, excessive debt or poor credit history can be improved over time.

3.Link popularity is very important for your ranking with search engines and to drive traffic to your site, visitors you may not have reached otherwise. Reciprocal links (links from other sites to yours) are what you are after, but in order to get them you have to put their links on your pages.

4.Targeted traffic is another big one! You don’t want someone coming to your site if they are not even interested you what you have to offer. Be very careful when paying for targeted traffic, they may promise targeted but that may not be what you get.

If you are new to all of this and have not built a Web site, my site is perfect for you, but I have a few tips for you as well:

1.All of above tips will apply to you soon, so it might be a good idea to write them down or just print this page.

2.Be careful when selecting a Web host, Web builder, domain name and Promotion.

3.Make sure Web host you choose do not allow Spam, because if they do then when another site that is hasted and same place gets banned then you maybe as well. They also have a little bit to do with getting ranked with search engines, too!

4.With Web site builders, make sure it is one that is right for you and your product/services. Some, you have to know HTML’s or they are a bear to figure out how to use. Some may not have support you need for what you want to do. Some will charge you an arm and a leg for same service you can get else where for a better price and better support.

5.There is a trick to picking right domain name and promoting your site. The domain name needs to be unique but not to unique. When promoting your site and trying to drive traffic to your site, be sure you read fine print and don’t waste your time submitting your site or paying to have it submitted.

Well, I hope this has helped you and if you have any questions or need some guidance, please visit my site at http://www.home-based-business-opportunities-central.com/ or e-mail.

Good luck,

Veronica Bath

I’m a mother of two wonderful boys. My mission is to help people with their goals of becoming their own boss or just make extra money. I have been scammed big time before and want to help other avoid doing the same thing.