Don't get squeezed - Lower all your costs!
According to Consumer Reports, 40% of the population is
The impact of this reaches much deeper into your pocket than just your
local property taxes. If your home is taxed on the value it had during
the boom, you are probably paying too much for everything related to
your home. Errors in home tax appraisals will impact how much you pay
for insurance, taxes, home improvement and
Now that the housing boom is over, and your house has
lost a good piece of its value, shouldn't your taxes and related costs
go down as well? They should; but lenders, insurers and tax assessors
are not going to voluntarily reappraise your costs, unless you ask. It's
something every homeowner should do but you shouldn't stop there.
Let Your House Secure Your Retirement and Put
Tax-Free Money in Your Pocket
If you're 62 years old or older and need money to pay
off debt, cover medical expenses, or help out the kids you'll be happy
to know Congress has raised the amount banks may pay you while you enjoy
your retirement from the comfort and security of your own home. The
American Recovery and Reinvestment Act of 2009 raised the limit for
reverse mortgages to $625,500. There are no income, employment or
credit qualifying restrictions. You own your home - not the bank and you
never make a mortgage payment while you live in the home and the
money you receive is tax-free. You can get a
Free Reverse Mortgage Guide from Quicken Loans that explains all your
options and simplifies the application process.
Take a Bite Out of the Cost of Insuring Your Home
Take a close look at your mortgage statement.
For most homeowners, the cost of home insurance is a substantial part of
If your home's value has gone down and the cost of insuring your home hasn't, you can take a big bite out of your
monthly payment just by
lowering your home insurance to bring it in line with your
current home value.
Refinance Your Mortgage
If you are current on your mortgage but struggling with the payments,
refinancing your home with an FHA,
Fannie Mae, Freddie Mac, USDA or conventional fixed-rate mortgage can
save you thousands of dollars and make your home affordable again. Homeowners
who qualify are urged to refinance, restructure or modify your mortgage while rates
are still low.
Click here to quickly
determine if you qualify for refinance loan restructuring.
Behind on Your Mortgage?
Change the terms of your loan.
Loan modification allows homeowners and lenders to change the terms
of your loan in order to stop foreclosure. A loan modification is NOT a
new loan. You can take on the bank by
yourself or you can get a personalized plan to find out if you
qualify. You have no obligation. There is no credit check and no social
security number is required. If you owe at least $100,000 and are behind
on your payments you may be eligible to
stop foreclosure fast, modify your loan, eliminate your back payments
and save your home.
Get All Your Property Tax Exemptions
In addition to the rebates and tax credits you'll find on this page, most
states offer special exemptions for property owners that can save you
hundreds - even thousands of dollars in taxes every year. The exemptions
are available to seniors, veterans, the
disabled and homeowners who have declared homesteads, just to name a few.
Call your local appraisal district or property tax collector to determine what exemptions may be
available to you.
Get Rebates for
Home Improvement, Home Repairs and
The rebate program is similar to the popular “cash for clunkers”
program, but doesn’t require a trade-in or exchange. The federal
government is offering incentives to home owners who want to update
their homes with the latest retrofits. You can get substantial tax
rebates for installing more efficient
bathroom remodels and energy-saving
kitchen upgrades. The
short list of eligible Home Improvement Estimates include recession relief money for
replacing old windows
or money to install
According to the U.S. Environmental Protection Agency and the U.S.
Department of Energy, individual states determine the type of home improvement allowable and
amount of rebate that is available. To take advantage of the rebate you
compare bids from local
and get all your options.
Appeal Your Property Tax
Of all the properties in America that are over assessed, less than 1% are
appealed. Yet, the process to contest contrived market values is
relatively simple. With home prices plummeting, your odds of winning an appeal are better than ever
before. Once you win your appeal, you may receive a substantial
refund and your property tax savings will continue for years
More Ways Changing Laws Can Help You
Credit Card Bailout - Credit Card Act of 2009
It may be possible to settle what you owe.
According to the White House, the average American family carries a credit
card balance of $10,000. In March, President Obama announced, "The days
of any time, any reason rate hikes and late fee traps have to end." This
is good news for struggling consumers. New credit card laws of 2008,
2009 and proposed laws set to go into effect in 2010 along with
government bailouts are motivating banks and credit card lenders to
quickly settle debt
with debt settlement specialists. You
could eliminate half of what you owe.
It's important to continue to monitor your credit for errors and protect
your privacy against
theft to ensure you receive better rates after negotiating a
Now that the government is cracking down on credit card lenders,
struggling cardholders need to act fast to see if you may be eligible to
quickly and legally settle half your debt - without bankruptcy.
Are you eligible?
Complete a 20-second form to find out if your debt qualifies.
Start Now! Time is Running
Worried About Foreclosure?
Get a personalized plan that could stop foreclosure, eliminate back payments and save your home
Get a Guaranteed Debt Relief Plan to Legally Eliminate Credit
You'll get live training and expert support every step of the way.
Owe Back Taxes? Settle it Now - Get On With Your Life
If you owe $10,000 or more in back taxes -
complete one simple form that may resolve your tax problem.
Home Value Down? Take 40% or More Off Your Home Insurance
It just makes sense. Why pay to insure your
home's old value?
See if You Qualify for Mortgage Restructuring
No Credit Check and no Obligation. Must owe $100K and be current.
Get Economic Recovery Money For Building Your Own Business
Dislocated workers may collect funds while starting a business from home.
Get Matched With a Debt Relief Plan to Legally Eliminate Credit Card
If You Owe $10K or more in credit card debt
you could be debt free in months.