Home Sweet Home

It's a beautiful feeling to own a home especially when it's your first. Aww!!!! The smell of fresh baked cookies, hosting monthly dinner gatherings, and walking around the house as you feel comfortable. We all know the infamous saying by the late, great Luther Vandross, "A house is not a home..."

Put forth effort into your house. Let's begin with mortgage approval. One of the reasons the economy is in its state is due to the sub prime mortgage lending. There were too many individuals and couples opening the mail to regard the payment nearly doubled after a year or two. Can you imagine the feeling of not being able to make ends meet?

Steps needed to get on the right track:

• Don't be overwhelmed by the increase in payment.
• Request all three credit reports to reflect the positive pay of payments.
• Find a lender willing to assist with refinancing.
• Make a decision based on your needs.
• Take control and set the guidelines. You aren't new to this.

Don't get discouraged about the lending process. Remember, you were making diligent payments for the last 12-24 months on time. You have established a positive relationship with the current lender and have a sound credit history. Today, unlike yesterday, the ball is in your court.

Be inspired,
Bahiyah Shabazz