Home
 
 Credit Card Debt
 All About Credit Card Debt
 Gold and Platinum Cards
 Lost/Stolen Credit Cards
 
 Recession Relief Scholarship
 Apply Now!
 Recent Winners
 Scholarship Links
 Scholarship FAQ
 
 Mortgage Loans
 High-rate Mortgages
 Home Equity Loans
 Shopping for Mortgages
 Mortgage Servicing
 Reverse Mortgages
 Morgage Discrimination
 
 Your Credit
 Credit Counseling
 Your Credit Report
 Fair Credit Reporting Act
 Fair Debt Collection Practices Act
 Auto Leasing & Your Credit
 Payday Loans & Your Credit
 Bankruptcy & Debt Elimination
 Utility Credit
 Cosigning a Loan
 Divorce & Your Credit
 
 Saving Money
 Banking and Credit
 Household Items
 Housing
 Insurance
 Transportation
 Utilities
 
 Identity Theft
 What is it?
 Identity Theft, In-depth
 I'm a Victim: Now What?
saving money on mortgage

Home Purchase
You can often negotiate a lower sale price by employing a buyer broker who works for you not the seller. If the buyer broker or the broker's firm also lists properties, there may be a conflict of interest, so ask them to tell you if they are showing you a property that they have listed.

Do not purchase any house until it has been examined by a home inspector that you selected.

Renting a Place to Live
Do not limit your rental housing search to classified ads or referrals from friends and acquaintances. Select buildings where you would like to live and contact their building manager or owner to see if anything is available.

Remember that signing a lease probably obligates you to make all monthly payments for the term of the agreement.

Home Improvement
Home repairs often cost thousands of dollars and are the subject of frequent complaints. Select from among several well established, licensed contractors who have submitted written, fixed-price bids for the work.

Do not sign any contract that requires full payment before satisfactory completion of the work.

Major Appliances
Consult Consumer Reports, available in most public libraries, for information about specific brands and how to evaluate them, including energy use. There are often great price and quality differences among brands.

Once you've selected a brand, check the phone book to learn what stores carry this brand, then call at least four of these stores for the prices of specific models. After each store has given you a quote, ask if that's the lowest price they can offer you. This comparison shopping can save you as much as $100 or more.

 

Copyright 2009. A StraightForward Media, LLC property. Privacy Policy