Raleigh Mortgage Options

Situated in north central North Carolina, Raleigh is the capital of the Tarheel state and is a booming city that has witnessed many changes over the past several decades. Gone are the days when Raleigh was little more than a sleepy, southern city in a chiefly agricultural state. Today, Raleigh has more than 320,000 residents and is part of a exploding metropolitan area that 1.3 million residents now call home. Duke, UNC, and NC State are three highly regarded universities serving the area and the Research Triangle Park is world renowned for its many technological innovations. For good reason, thousands of families are relocating to the Raleigh area every month; you can too and a Raleigh mortgage can give you what you need to successfully make your move.

Purchasing a house in Raleigh is so much like buying a home in any recognized American city: you make a down payment, get in touch with many lenders for competing bids, and you select a lender based on the information given. Your Raleigh mortgage is ready and your move is certain, right? Well, it isnt always that simple! Lets examine some web sites that can give you useful and significant information as you shop for a mortgage:

1. Bankrate.com this site lists mortgage rates from all across the nation. Narrow down your search to Raleigh and local mortgage rates will turn up in your search results. The rate given should be a good point of reference for you as contact lenders.

2. Interest.com works much the same way as Bankrate; enter your Raleigh mortgage information and the rate will emerge.

Other useful sites of note include:

3. ChaseHomeMortgage.com

4. LendingTree.com

5. Amerisave.com

6. ING Direct.com

While the list isnt comprehensive, it is a good beginning point. Additionally, you can check your local phone book for a record of Raleigh mortgage companies. Sometimes smaller, local companies are more willing to help out, particularly if your have other circumstances present, including if you are self employed, possess bad credit, have suffered a drop in income, or have experienced other important changes.

Your Raleigh residence is waiting for you get in touch with a Raleigh mortgage broker right now to learn about your mortgage choices.

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How Creditors Measure Your Credit Rating

Creditors will measure your credit rating based on the following three main things.

1. Capacity

2. Collateral

3. Character

The three "C's" show creditors your:

• "Capacity" or income to pay the debt

• "Collateral" or assets to secure the obligation

• "Character" shows your compliance to repay the debt

1. Capacity

The very first question is whether you have sufficient income to repay the debt. Creditors will definitely check to see if your income exceeds your expenses so that you ca comfortably pay the debt. A creditor will then want to know:

• Your income - from all sources

• Your fixed expenses

• Your other debts

The amount remaining from your total net income, after deducting your fixed monthly expenses and other debts, is your capacity. If your net income is $3,000 a month and your total living expenses is $2,500, then your credit capacity is an amount that requires no more than $500 in monthly payments.

If you now pay $400 a month for other credit obligations, then your remaining capacity is a $100 a month, and a creditor should extend you that amount of credit.

There are three techniques that will allow you to maximize your income:

• Increase your income

• Decrease your expenses (easier to do than the first one)

• Reduce your other debts

2. Collateral

A lender or creditor can be secured or unsecured. Secured lenders hold a lien against specific assets, such as real estate, an automobile, or boat. If you fail to pay, the secured lender can sell the pledged asset to recover debt owed. Secured lenders seldom loan more than the auction value of the collateral.

Secured credit, is an almost guaranteed way to rebuild your credit. Even with poor credit, a lender may advance your credit if you ca secure the credit with a lien against some valuable asset. Many creditors extend credit entirely on the strength of the pledged assets.

Other credit considerations are either ignored or carry comparatively little weight in the credit decision.

What can you use as a collateral to secure your debts and rebuild your credit? You may be appreciably wealthier than you think. Add the value of your various assets (property that you own) and subtract any existing mortgages or lies against those assets. The difference is your equity or net worth in the asset.

This is what you have available to secure a loan. Do not overlook any asset:

• Home

• Investment real estate

• Stocks, bonds, mutual funds,

• Automobile

• Boats, planes, recreational vehicles

• Notes and mortgages due you

• Art, jewelry, antiques

• Pensions, IRAs, and Keoghs

• Royalty income

• Income from trusts

You may have other assets to pledge. The point is that collateral gives you a borrowing power approximately equal to your equity in your assets. Regardless of your credit history, if you have collateral worth a solid $100,000, you should be able to borrow close to that amount.

3. Character

Creditors next consider your character. How important this is depends upon the type of credit, and who your creditors are. Asset based lenders rely chiefly on collateral, and they are less concerned with your character than are unsecured creditors who can only rely on your prior reliability for honoring your obligations.

When creditors check your character, they basically look at how you satisfied your past obligations. Meaning they want to know:

• How many credit defaults have you had?

• What was the reason for the defaults?

• How recent are they?

• Do you own your own home?

• If you rent, for how long have you rented the same apartment or house?

• Do you have a checking account?

• Do you have a savings account with regular deposits?

• Do you have a payroll savings plan at work?

• Do you have a telephone in your own name?

• Do you have a criminal record?

• Have you filed bankruptcy?

Positive answers to these nine questions will often offset an otherwise negative credit report. Basically your credit character boils down to your credit history in the past. In the eyes of creditors, if your past credit character is good, there is no reason to believe why your future won't look promising.

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Are You Soccer Mad?Soccer Crazy? Then try these Rome Soccer Tours

If you are fanatical about soccer, as you read through this article you're going to learn that it's easier than you think to travel to Rome, and see a classic soccer match, with the fans of Roma or Lazio at your side. Wouldn't it be amazing to tell your friends that you were there, in the Stadio Olimpico, when the winning goal was scored!

Whether you are coming to Rome on vacation or business, you simply have to experience the thrill of a football match! Rome soccer tour packages give you tickets to AS Roma or SS Lazio home games, hotel accommodation and breakfast daily. But don't delay, tickets sell out quickly because both teams attract fanatical support.

The Stadio Olimpico is home to both Roma and Lazio and was built for the 1960 Olympic games. An impressive 82,000 plus venue it has housed European Cup Finals and the 1990 World Cup Final. It is also the first choice home of the Italian national team, and a great venue for these Rome soccer tours.

And you can be reassured... it's easy to get there. Romes principal airport, Fiumicino, lies 30kms south of the city and connects to Romes major train station, Termini by regular hourly trains. The second airport, Ciampino, lies 15km south east of the city and is connected to the centre by bus to Anagnina metro station, where a direct train and then a tram will quickly get you to the stadium.

You can even save time and money and book your airport transfer services before you go! You can use a shuttle service that will take you from Rome's Leonardo Da Vinci International Airport to your Rome Hotel, without the hassle of picking up a rental car, negotiating unfamiliar traffic and maps.

The history of both Roman Football Clubs is equally littered with glory and frustration.

AS Roma were born in 1927 from the fusion of three different clubs - Alba, Fortitudo and Roman. A fine record in the 1930s eventually led to the first Giallorossi Scudetto in 1942.

Difficult years followed until their one and only relegation in 1951. With an immediate return to the top flight, Roma quickly captured a third place and the 1961 UEFA Cup. The Coppa Italia came in 1964, the first of seven in this competition.

Romas most glorious years were the 1980s as aside from the two Italian Cups, the clubs second Scudetto was lifted by Coach Nils Liedholm in 1983. The following year only a penalty shoot-out against Liverpool at the Stadio Olimpico kept them from winning the European Cup.

Fabio Capellos Roma led the 2000-01 Serie A table from start to finish for their third Scudetto and the clubs first medal in a decade.

Rivals Lazio were founded in 1900 as Societa Spotiva Lazio, a multi-purpose sports club. The Biancocelesti began football full-time in 1906. Winning one wartime Roman title in 1944, the club lifted their first national trophy - a Coppa Italia - in 1958 but were relegated three seasons later.

Several trips up and down the Divisions preceded Lazios first Scudetto in 1973-74 when they were led by the legendary Giorgio Chinaglia. But within five years came the clubs darkest hour as Lazio was relegated for financial irregularities and only a play-off prevented the club from slipping into Serie C in 1987.

Sergio Cragnotti took over the club in 1992 and with his financial backing Lazio have become a force both in Italy and Europe. Since 1997 the Biancocelesti have won their second Scudetto, a Cup-Winners Cup, an Italian and European Super Cup and two Italian Cups. However, only massive sales and a restructuring of contracts allowed the club to avoid bankruptcy.

Both clubs continue to ride close to the top of Italy's Serie A, and the rivalry is intense, especially during the annual "derby" matches where the teams and tifosi face each other. So, if your passion is football, then don't miss the opportunity to see your favorite Roman team play a home game this season, and be there with The Ultras!

Why book ahead?.. Well, here are my thoughts:

* The most popular matches can sell out well in advance. Don't risk being disappointed!

* Reduce stress! Don't waste time haggling with the hotel concierge for matchday tickets.

* Lock in your price! Currency dips & price hikes won't effect you.

* Save vacation time! Plan & book now, not when you're there.

* Balance your vacation budget! Charge tours on this month's credit card bill.

Believe me (and I've been in Rome during a major soccer tournament!) there's nothing like the atmosphere of a match day, and the city buzzes with excitment. So, try one of these great value Rome soccer tours. Take the easy way - and book this efficient service online now and save time in Rome. You could have your match tickets secured in the next fifteen minutes!

I hope you'll agree that these special Rome soccer tours offer real value, and I know that you'll return home with some special memories of your stay in the Eternal City.

As an extra resource for readers, I have posted this article onto my website, and provided quick links to these great tours. Lets-Travel-Rome.com/RomeSoccerTours

Best wishes for a great trip, and let me know the score!

Les Sheppard