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In Real Estate

We have been experiencing difficulties in finances for a time now. It must be the fact that we have more mouth to feed now, imagine two helpers and 4 kids. On toiletries alone, we are spending 4 times we used to. There’s baby shampoo, baby soap, cologne, powder etc. Sometimes it was really tempting to take out a loan but I know it won’t really solve our financial crises.

Other than that, I am not very familiar with loans and terms used in loans. Actually I am more familiar with real estate terms like reverse mortgage. This is a loan that is given to senior citizens. Or a kind of loan in real estate that is available to senior citizen. It works in a way that instead of paying a monthly amortization, the owner of the property is given a monthly payment or a bulk payment. The minimum requirement to avail this is that the borrower must be 62 years old at least.

Seniors citizen count on (Home Equity Conversion Mortgages) hecm counselor to help them use their home equity for income supplement. To become an hecm counselor, a person need to complete several requirements. They need to complete the HUD approved training program. they can opt for the classroom training or download the training materials. They should pass the HECM Counseling exam with a passing score of 80 out of 100 points. Another requirement is to apply to reverse mortgage company that are approved by HUD. But if you fail to pass the score of 80 out of 100, you can still retake the exam. But you must remember that you need to pay a non refundable fee every time you take the exam.

Another real estate term that I am familiar is reverse loan calculator. This a system for reverse mortgage that is designed by the Federal Housing Administration. This system determines if a senior is eligible for a reverse mortgage loan or not. This system are based on age of the senior and the value of the property owned by the senior.

But wait, before you start thinking I am your reverse mortgage expert, I am not. I just love reading stuffs about mortgage and real estate articles. As you know, we are still renting so any news about real estate is very interesting to me. I mean, you’ll never know, I might stumble upon a great site that will teach me how to have a house of our own.

Leave a Comment Filed Under: Uncategorized Tagged With: Real Estate

Kids Alligator

er.. crocs.. the launching of the newest collection from Crocs was held in EK Biki World.. now thanks to the ever clever Mahat, who lost his slippers.. though not intentionally, but yes, that’s enough reason for him to buy a pair.. so there

I love the shark and the starfish but there was none during the event, or maybe it was gone before I noticed it..Surely your kids will enjoy this coolest designs. so summerry

2 Comments Filed Under: Uncategorized Tagged With: Crocs Kids Collection

Plane Fear

In my 29 years of life, I never experienced traveling by plane yet. And I have no immediate plans on riding a plane (and yeah even boat). I am afraid of heights so traveling by plane is something that I do not look forward but that might change soon, a few people I know really likes traveling and that includes riding a plane. Some even travel through Aircraft Charter and according to them, this can be good if you want air hospitality that is beyond exceptional. This is a private air service that costumers can count on to serve their flying needs day and night. I really want to know more about Charter Flights and see if it can change my plane fear.

Hubby on the other hand had been to a lot of plane travel (sometimes I envy his courage). Maybe when I am brave enough, I will plan a plane travel for our family. And since I really love planning, at the back of mind, I am already thinking about it. Like, I want to learn how to pack if you are traveling by plane, I know that your baggage are limited when you are to ride a plan. I also want to learn what are the things that are not allowed inside the plane. And lastly, I want to know if they give discounts for babies.

3 Comments Filed Under: Uncategorized Tagged With: Travel

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