Welcome to DIR-USA, a website dedicated to companies that buy houses! If you have a house for sale that is not selling, then give one of these real estate professionals in your state an opportunity to buy your house for cash!
  • In foreclosure?
  • Bad tenants?
  • Is your house vacant?
  • 100% financed?
  • Owe liens?
  • Need repairs?
  • Divorce?
  • Job transfer or reloacation
  • Has your listing expired?
  • Estate sale?
  • Behind on payments?
  • Making 2 house payments?

Sell to Get Rid of Your ARM Loan

New Orleans House BuyersIf a reset will increase your mortgage payment when you are barely making ends meet as it is, consider selling, paying off your loan, and starting over.

We Buy Houses – New Orleans LA: The ARM loan is too variable if you have a limited income. An ARM, or adjustable rate mortgage, is not the ideal way to finance a house. You know that now, perhaps, but when you applied for a mortgage and that was made attractive to you, it seemed like the best way to go at the time. At this point you may wish you hadn’t signed for the ARM and are in financial dire straits, making you ineligible for a refinance. Getting a new fixed rate mortgage loan would be the solution but they are hard to qualify for. You must show good credit and a steady employment or income coming in.

If you don’t qualify for a refinance, you may need to abandon ship, so to speak. Selling the house while you still can may be a good option for you. You can always buy another house and this time go for a fixed rate mortgage at a reasonable interest rate. This is, after all, a great time to buy. If you sell and pay off your current mortgage before you get behind on your payments you may still have credit that will qualify you for a new loan anywhere from a month from now to two years out. In the meantime, you can either rent until you gather your resources again and regroup, or you can lease option or rent to own through a real estate investor or wholesaler.

With an ARM you can’t be sure of what your mortgage payments will be once the rates reset. In this difficult and challenging economy it’s best to know exactly what you will have to earn to pay all of your bills. Mortgages with ARM loans can differ as much as several hundred dollars when the interest rates reset. If you are just getting by as it is, and you anticipate your initial payments are going to reset in the future, you might want to see what you can do about gracefully bowing out of your mortgage.

This is not a suggestion that you abandon the house and let it go into foreclosure. That’s the absolute last option and the worst one at that. The best option may be to sell your house quickly and pay off the mortgage that you owe. Then start over and this time around get a fixed rate mortgage so you’ll know what you need to come up with every month without variance.

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Reduce Your Monthly House Payment

Reduce Your Monthly House Payment

Contact your lender or pay a visit to the bank to see what can be done to reduce you monthly payments.

Sell Home Fast – New Orleans LA: There are a couple of ways in which you can help to reduce your monthly mortgage payments. If you are like many American families today it’s getting more and more difficult to make ends meet. You want to maintain home ownership because it makes more sense than throwing your money away each month to someone else so they can pay their mortgage on the property.

If your payment is getting too big for you to handle or if your circumstances have changed since you first took out your loan, you can attempt to do something about it. The first thing would be to call your lender or pay a visit in the bank that gave you your loan. Tell them you are interested in seeing what can be done about reducing your monthly payments. They may suggest a refinance or a modification of your loan.

“Each percentage point of interest costs you more in monthly payments so getting that reduced can actually be quite a bit of difference to your monthly payments.”

A refinance would be a possible option if your credit is great. If it’s better than what it was when you took out your loan you may be eligible for a better interest rate. Each percentage point of interest costs you more in monthly payments so getting that reduced can actually be quite a bit of difference to your monthly payments. The loan will also cost you less over the life of the loan with a smaller interest rate.

Interest rates are based on the way the bank sees your ability to pay them back. The higher the risk you represent, the higher the interest rate as they are taking a bigger chance on you than if you had solid income and a great credit history. Often when a family needs to reduce their monthly payments it’s because you have less resources to help you pay your obligations, making you a higher risk to the lender.

In that case, you may be eligible for a loan modification. In this instance the lender can choose to give you a modified loan but there are qualifiers that you must meet. Job loss, injury, major illness and surgeries, and death in the family are examples of situations that have happened at no fault of your own and they may be willing to work with you so you can maintain your home. Running up your credit cards doesn’t count as a family emergency. They would rather do this where possible than have you default, which means they won’t be paid back for their loan.

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What Can Go Wrong When Selling Your Home

The problems that are commonly encountered are not impossible to solve, know the value of your home when you sell.

Louisiana House Buyers – Kenner LA: You have decided to sell your house and you’re going to do it all yourself. You’d rather keep the money you would spend on commission by having someone else sell it for you, and besides, without a job you have all the time in the world to do the work it will take. What could go wrong?

There are many people who successfully sell their own homes and it’s done every day across the country. In fact, so many are choosing to take this route that numerous FSBO websites have popped up on which you can list your house. With so many people doing their own selling, it must be a viable option for those who are strapped for money and need to save every dime they can. The problems that are commonly encountered are not impossible to solve, but in some cases it becomes too much of a burden to the sellers along with all else that’s happening in their lives.

“The price that you place on your house will take some careful study of comps in the area so you can give it just the right amount.”

Selling because of financial difficulty usually requires a quick sale to get out of the overwhelming mortgage obligation or other household bills. Selling a house yourself could take quite a long time. The market is slow and buyers are scarce, leaving home sellers to exhaust all of their resources listing and re-listing their house on the websites. It is important that you know the value of your home when you sell. An overpriced home won’t get the attention of buyers as they have so many to choose from at great prices.

An under priced home may seem as though there is something wrong with it and the buyers will shy away from it. The price that you place on your house will take some careful study of comps in the area so you can give it just the right amount. It’s possible that buyers will prefer to work through a real estate professional as that is the standard and accepted procedure and has been for decades. Buying such a large purchase from a random homeowner that they don’t know is somehow a little scary for some.

If you try to sell your own home and run into this problem, consider selling your house through a real estate investor. They charge no commission or fees, don’t expect you to do any major repairs on the house, and most will handle the paperwork involved as well.

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Materials for Inexpensive Improvements

Materials for Inexpensive Improvements

By purchasing what you need at one of the charitable organization surplus stores you can put your money to good use twice.

We Buy Houses | New Orleans LA: Fixing up a house that you intend to sell doesn’t have to cost you a fortune. If you are just looking for a way to spruce it up and give it a fresh look, you can use color to your advantage. Sometimes simply changing the paint color in a room will make a huge difference in the look and feel.

Major repairs or replacements can’t usually be done inexpensively, but you can find a way to minimize the costs by looking for materials and supplies at alternative places. Habitat for Humanity, for example, owns stores throughout the country where surplus building materials and home décor are available at deeply discounted prices. The proceeds are also put to good use in their building projects.Goodwill is another source for inexpensive building materials as they have surplus centers as well. You can find such things as rain gutters, paint, window frames, shutters, plumbing supplies, and more.

“Goodwill is another source for inexpensive building materials as they have surplus centers as well. “

By purchasing what you need at one of the charitable organization surplus stores you can put your money to good use twice. You’ll save a lot of money on what you need, and your money spent will help someone in need. Try to cruise the local thrift shops and all the yard sales you can find. Know what you are looking for or be creative and use what you find. If you’d like to put crown molding up in the den and have a specific style in mind, you can be flexible enough to instead use a different style you find at one of the surplus stores. Use whatever works as long as it improves the look of the house.

Paint can be found in light and neutral colors. That’s what you want to use when preparing your house for sale. Using light colors accentuates the bright rooms, and neutral colors create an environment that allows buyers to use their imaginations and see themselves living in your house. Be careful about using paint you have left over from your architect mustard colored dining room. Although you would save money using it, you must choose neutral and bright colors for best results. Paint is one of the cheapest ways to get a dramatic upgrade effect. There’s no need to buy retail building materials when fixing up the house to sell. Most home improvement items can be found at discount and surplus prices if you know where to look.

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Look Out for Loan Modification Scams

Look Out for Loan Modification Scams

“Shady companies are everywhere these days and will offer you such deals as a mortgage payoff.”

Sell Home Fast – New Orleans LA: Loan modification offers tend to come out of the woodwork when you have missed a few payments on your house. Look to your own lender, a reputable real estate investor, or other company with proven track record for help. [..read more..]

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