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Celtic Art Article Summaries

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Featured Article

Getting Pre-Approved for a Home Loan Is One of the Best Ways to Get a Leg Up on the Competition When Shopping for a Home

Syd Johnson



The real estate market is soaring because of low interest rates that have brought home buying to average Americans. All over the country, more renters are buying and homeowners are upgrading their properties. In this hot seller’s market, a pre-approval letter from your mortgage lender can help you secure a winning bid on the home of your dreams.

A pre-approval involves much more than filling out a questionnaire. It is essentially going through the entire mortgage application process and having the lender give you an exact figure of how much money they are willing to lend you and at what interest rate. Having the letter is like having the cash in the bank. This shifts your focus from financing to getting the best real estate agent and finding the best home that you can afford.

Pay attention to the terms of the letter before you start shopping for your home: What terms did your mortgage lender extend?

A simple prequalification where they took down your information and made an informal guess of what type of loan you will receive is usually not very effective. This basic prequalification of course is subject to running a full credit check, full disclosure of your assets, and no drastic changes in your financial situation.

Any lapsed payments on credit cards, student loans or a job change, can give your mortgage lender sufficient reasons to back out of the deal.

Here’s how to get the maximum benefits out of the pre-approval process:

1. Start by using the resources on any major search engine. Look for “mortgage lenders,” “home loans,” or “pre-qualify for a mortgage”.

2. Fill out an application and make sure it goes through the underwriting process. If you’re not sure, call the lender using their customer service number and ask them what happens after all the information is submitted.

3. Find out if there are any fees involved for pulling your three bureau credit reports, and for the underwriting. Some lenders will charge the fees up front and others will wait until you are approved for the loan.

4. Fill out any extra paperwork such as proof of employments and statement of your resources. You have to prove that you enough cash on hand for a down payment, unless you are getting a no money down home loan. Also, you have to prove that the cash is yours and not a loan.

If you want to a loan from your parents for example, try to get it six to eight months in advance and keep it in your savings account. Otherwise, it will count as a debt and could increase your debt to income ratio and have the opposite effect; showing that you don’t have any cash and disqualify you from a much bigger loan.

5. Get a pre-approval letter from the lender stating the exact amount of the loan that you will receive and the interest rate.

6. Pay attention to the expiration date on the letter. If you are in a market such as Southern California where competition is particularly fierce, make sure you have the most flexible expiration date that your lender will allow.

Whether it’s 30 days or 60 days, get it stated in writing. If you lose out on your first or second choice for a home (typical), you won’t be stressed to settle for anything just to get a house.









Syd Johnson is the Executive Editor of RapidLingo.com, Financial Solutions Website. You can see more articles at http://www.rapidlingo.com.

This article may be freely distributed as long as the author's bio is included with an active link to http://www.rapidlingo.com.





Celtic Art Resources
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- SaveCELTIC ART by Celtic Lady - Original Computer ready artwork
... . . . inspired by the ancient Celts to create modern Celtic art. Celtic Computer Clip Art. CELTIC ART ...

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... Celtic Art Books. Celtic Resources. Celtic Art Prints and Posters ... and Rackham backgrounds there; and links to downloadable Rackham fonts like the one in the logo. Celtic art is here ...

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... Vision and Celtic Fantasy packages; but no art. The Celtic Art sub-package is $49 and includes just the art elements ...

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Free Celtic clip art. ... is one of the most identifiable aspects of Celtic art although it's a relatively late addition to the ... From the Bronze Age forward Celtic art embodies a very well-developed ...

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A look at the elements of Celtic Art; and an explanation of the symbolism surrounding the artform ... Celtic art fascinates Celtic folk; non-Celtic people; artists and those that can't even make stick figures ... Many examples of Celtic art survive; and there is a renewed interest in ...

- SaveCeltic Clip Art
... Some pages from the epitomy of celtic art; the Book of Kells. Some celtic art from Alastair Luke ...

- SaveCeltic : Celtic Art and Designs
Information about celtic; Celtic art; celtic cross; celtic knots and celtic designs. ... The Irish celtic art conatins combination of the celtic arts like crosses and knots and celtic tattoos etc ... Celtic Design. Celtic Art Work. Celtic Art. Celtic Body Art ...

- SaveCeltic Art
celtic art; celtic prints; and celtic designs by Todd Hallock of Bannigan Artworks(tm) ... Celtic Art. Click on image for a closer view ... For more celtic art; artifacts; music; collectibles; etc ...

- SaveIona Celtic Art
Iona Celtic Art jewelry by Alexander and Euphemia Ritchie on the Isle of Iona; Scotland ... Iona Celtic Art. Order Toll Free in the US or Canada ... Euphemia Thomson he began a workshop called Iona Celtic Art in the ruins of the old nunnery in 1899 ...

- SaveCeltic Art; Sculpture; Jewelry; Liturgical Artifacts; Architectural Elements; Celtic Crosses; Wood Carving; Learn ...
... "Welcome to the PG Celtic Art; Ltd. Home Page. Besides a gallery and showcase of original Celtic Art; we are maintaining a Celtic Bibliography. Please enjoy ...

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... Celtic Art. What Knots ? There are many modern 'politically correct' problems surrounding exactly what is Celtic ... More larger graphics on Celtic Art. Celtic Art. Ruth and Vincent Megaw ...

- SavePat Fish's Tattoo Santa Barbara
Pat Fish is a well-respected tattoo artist who specializes in Celtic designs. She brings the ancient illuminated manuscripts to life in skin.

- Saveceltic-clipart.co.uk
Celtic and Fantasy Clipart by Howard Oliver;Web and desktop graphics; backgrounds; page sets; buttons; page dividers; arrows; Celtic clipart links and much more...

- SaveCeltic Art and Cultures - UNC Art 111 - Fall; 1998
The Celtic Art & Cultures Web site is designed for users with a high-speed network connection and current Web browsers and plug-ins. Please see Site Info for more information.

- SaveCeltic art
Note: You are reading this message because you might not be able to see our stylesheets; or because you might not have a standards-compliant browser. ... and stone crosses featuring in late Celtic art. Typically; Celtic art is richly decorated with flowing curves ... Early Celtic art; which reached its high point in 1st-century Britain ...

- Saveceltic-clipart.co.uk
... The world of Celtic Art. Until recently; Celtic Art has been regarded as a mysterious relic of an ...

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