Are You Ready for a Home Mortgage Loan 您是否已经准备好了住房抵押贷款
Buying a Home and Committing to a Mortgage can be very scary! 买了主页和实施的按揭可以很可怕 ！
A home mortgage loan is the largest debt that most Americans will take on in their life time. 抵押贷款是最大的债务 ， 大多数美国人将在他们的生活时间 。As such, making the decision to take out a mortgage is not one that most first time home buyers take lightly. 因此 ， 在决定采取了抵押贷款是不是大多数首次置业人士掉以轻心 。Not only will your monthly mortgage payments probably be the largest bill that you face each month, but the total amount of debt realized with a home mortgage loan can have a staggering, and sobering effect on the first time home buyer. 不仅将您的每月按揭还款可能是最大的法案 ， 你面对每月 ， 但债务总额实现了住房抵押贷款可以有惊人的 ，而且清醒的影响首次购房者 。
I can remember the months leading up to my decision to fill out a mortgage application. 我还记得之前的几个月我决定填写贷款申请 。I had nightmares about loosing my job, not being able to keep up with my payments and finding myself homeless. 我已经失去恶梦约我的工作 ， 无法跟上我的付款 ， 并找到自己无家可归 。And those were on the good nights when I was able to sleep at all! 和这些人的良好夜时 ， 我可以睡了 ！
Committing to a Home Mortgage Doesn’t Have To Cost You Your Sleep 承诺抵押并不会使你的睡眠
In hindsight I realize that the fear that I faced when considering a home mortgage loan was irrational and the stress that I put myself under unwarranted. 事后我意识到 ， 在面临恐惧时 ， 我考虑抵押贷款不合理和强调的是 ， 我将自己放到下没有道理的 。However, at the time, it surely didn’t seem that way! 然而 ， 在那个时候 ， 它似乎并不肯定这种方式 ！
Let’s take a closer look at common mortgage fears. 让我们仔细看看共同抵押贷款的担忧 。
The major fear is that you won’t be able to carry the debt responsibility and you will loose your house. 主要担心的是 ， 您将无法履行债务的责任 ， 您将松散的你的房子 。
Okay: worse case scenario, you are not able to keep up with the payments, the lender forecloses and you do loose your home. 奥凯 ： 糟糕的情况下 ， 您无法跟上付款 ， 贷款人forecloses和你松散您的家庭 。What are you really loosing? 什么是你真的松动 ？Something that you do not have right now anyway! 一些您没有现在反正 ！Therefore, even with the worse case scenario, you will not be any worse off than you are right now. 因此 ， 即使有恶化的情况下 ， 你不会有任何更糟你现在 。Furthermore, it is important to realize that the chances of the lender foreclosing are pretty slim. 此外 ， 重要的是要认识到的机会 ， 贷款人的排斥很渺茫 。The lender doesn’t really want your home, he wants you to make good on your home mortgage loan, and will usually work with you to make that happen. 贷款人并不真的想要你的家 ， 他希望你好好对你的房屋抵押贷款 ， 通常会与你一道工作 ， 使这种情况发生 。
You should also remember that the fear of loosing your home is one that you already faced and survived. 你也应该记住 ， 害怕失去你家是一个你已经面临生存 。When you signed your first lease on an apartment you were taking that same chance. 当您签署的第一个租赁的公寓您正在采取同样的机会 。If you were not able to pay your rent your landlord would have made you leave your home. Taking out a mortgage can be less scary once you realize that this is a fear you have already faced and conquered. 如果您无法支付租金的房东将让你留下您的主页 。 考虑了按揭可少吓人一旦你认识到这是一种担心你已经面临和征服 。
Knowing You Can Afford the Mortgage Will Allay a Lot of Fears 知道你能够负担得起的住房抵押贷款将减轻很多担心
You can lesson the amount of fear that you will experience when you sign on the dotted line of a mortgage application if you are confident that you will be able to handle the monthly payments. 您可以教训金额担心 ， 您将体验当您申请的虚线的抵押贷款申请如果你相信 ， 你将能够处理每月付款 。Therefore, it is important to take stock of your financial situation before applying for a mortgage. 因此 ， 重要的是 ， 以评估您的财务状况之前 ， 申请贷款 。
Sit down with a real estate agent and honestly discuss your financial situation, this includes your income and your expenses. 坐下来与房地产经纪人及诚实的讨论您的财务状况 ， 这包括你的收入和您的开支 。It only makes sense to determine how much of a home mortgage loan you can comfortably afford, and it is essential to having financial confidence and avoiding common mortgage fears. 它不仅使意识 ， 以确定有多少房屋抵押贷款 ， 您可以轻松负担 ， 并有必要在资金上的信心 ， 并避免常见的抵押贷款的担忧 。
Now, quit worrying and go out and look for your new home! 现在 ， 退出担心 ， 走出去 ， 并期待为您的新主页 ！
About The Author: 关于作者 ： Peter Dobler is a veteran in the IT business. 彼得多布勒是一位资深的IT业务 。His passion for experimenting with new internet marketing strategies leads him to explore new niche markets. 他的热情尝试新的互联网营销策略使他探索新的利基市场 。 Read more about his experience with credit and mortgages; visit 阅读更多关于他的经验 ， 信贷和抵押贷款 ; 访问
Other Credit And Real Estate Related Information 其他信贷和房地产相关信息
American Grant Provider Directory美国格兰特供应商目录
The Federal Government and Private Grant Foundations issue billions of dollars in grant money to a variety of groups each year. Grants are awarded to individuals each and every day from all walks of life, with large and very small bank accounts, for an ever-increasing array of purposes. 联邦政府和私人基金会的资助问题 ， 数十亿美元的赠款资金的各种团体每年 。 赠款是发放给个人每天都来自各行各业 ， 与大和非常小的银行帐户 ， 为越来越多一系列的用途 。
Grant programs are not Loans. You decide how much you need. 格兰特程序而非贷款 。 您决定您需要多少 。As long as the amount is lawful and you meet the Foundations and Government Agencies Requirements, the money is yours to keep and never needs to be repaid. 只要是合法的金额和您符合基金会和政府机构的要求 ， 钱是你永远保持和需要偿还 。This grant money is non-taxable and interest-free! 这笔赠款资金非课税和免息 ！
Do You Have Bad Credit? Don't give up!!你有 不良信贷 ？ 不放弃 ！
Our list of lenders and credit card companies are willing to give you another shot. 我们的名单的贷款和信用卡公司都愿意给你一杆 。They realize that good people can have bad credit. 他们认识到 ， 良好的人可以有不良信贷 。
Whether you have had minor problems in the past or even bankruptcy, our lenders are there to help you not only receive a loan, but also to re-establish your credit. 您是否有一些小问题在过去 ， 甚至破产 ， 我们的贷款是为了帮助您不仅得到贷款 ， 而且还重新建立您的信用额度 。
Are you ready to get your second chance? 你准备好你的第二个机会吗 ？
"Excellent for first time buyers, move-up buyers or refinancing. I cannot recommend it highly enough - this should be required reading for anyone who wants to get a loan." “ 优秀的第一次购买住房的 ， 移动的买家或再融资 。 我不能建议高度不够 - 这应该是任何人都需要读谁想要获得贷款 。 ” M. Klinger, Real Estate Broker先生克林格 ， 房地产经纪人 Aventura, FLAventura ，美国佛罗里达
Credit Repair - Erase Bad Credit Now!信用修复 - 擦除信用不良吧 ！
Are you tired of Bad Credit? 您是否厌倦了信用不良者 ？- High Interest Rates? - 高利率 ？Disapproved Credit? 拒信用 ？
Use my experience today, and I will show you how to get every negative item Removed from your Credit Reports within 1-3 Months.用我的经验 ， 今天 ，我将告诉您如何让每一个消极的项目从您的信用报告的 1-3 个月 。Guaranteed!保证 ！
"How to Clean Up your Credit Report and Wipe All Your Credit Card Debts in Record Time!" “ 如何清理您的信用报告 ， 并删除所有您的信用卡债务在创纪录的时间 ！ ”
Take a moment to imagine this... On any given day you could be receiving new pre-approved credit card offers in the mail, you could able to purchase a new home without worrying about qualifying for a mortgage, financing for automobiles and boats could be readily available to you, and...you could have piece of mind knowing that should an emergency arrive you would have the resources to take care of you and your family.花点时间想像这 ... 在某一天你可以得到新的预先核准信用卡提供的邮箱 ， 您可以可以购买一个新的家 ， 而不必担心预选赛抵押 ， 融资 ， 汽车和船只可可随时提供给您 ， 并 ... 你可能会一块铭记知道应该紧急到达你的资源来照顾你和你的家人 。
