Briskfind - Real Estate, Recreation and Travel Directory

Briskfind - the definitive theme-based one-way link directory for Real Estate, Recreation, Travel, Music, Movies and more!

You have a great website Briskfind, your link partner for focused visibility. What best than getting your website listed here?

Real Estate, Recreation and Travel are categories that garner the maximum clicks and reads. Verily the reason why www.briskfind.com offers link building services for businesses catering or targeting these popular yet niche areas. Now if increased clicks, more interested customers and better business are your business priorities, your website couldn't have found a more effective place than here. Brisk as its name, Briskfind is the site for accelerated rankings and successful websites!

Why One-way link building?

You would get links from different sites of relevance
Many links, yet unique IPs
Links from theme-based web pages
Links from well ranked pages

Now, why Briskfind?

Briskfind makes for an effective brand-building medium too. With the facility to place your corporate logo beside website URL attribute wonders in helping to enhance your corporate identity in the minds of surfers. What more? Our manually validated quality links ensure better rankings for your website in all the top search engines.

The Brisk link directory for Real Estate, Recreation and Travel websites.

Get noticed! Get your website into Briskfind !

Real Estate Articles

Finance and Mortgage Articles

100% Mortgage Financing With 55% Debt Ratios

Basics

Your debt to income ratio is a basic measure that mortgage lenders use. It involves:

Total monthly debt load
Total pretax income
Overall ability to pay

Total Monthly Debt Load Your total monthly debt load that a lender will analyze includes:

Credit cards
Student loans
Car payments
Department store cards
Other monthly debt payments
Your mortgage payment

This is the sum total of your usual monthly debt payments. In some cases a lender may ignore a debt totally. This is the case, for example, if you have a $500 a month car payment but there are only two more months left on the loan. The lender may choose to ignore this $500 per month debt load because they know if will go away shortly.

Lenders should be able to figure out the monthly debt balances and when they expire from your credit report, although you should also disclose relevant items to them in your mortgage application.

Lenders will also factor in the expense of the new mortgage your are applying for. This includes the mortgage payment, property taxes, home owner association dues, hazard insurance, and any other property related expenses.

Total Pretax Income The lender will add up all your pretax income, which may include:

Base salary
Sales commissions
Bonuses
Overtime
Rental income
Interest income
Other income

All of this income is added together to figure out your pretax income. They may take an average of your past year’s monthly earnings. Temporary jobs or seasonal work may not be added into this total because it is not considered regular work or income.

Total Overall Ability To Pay The lender will compare the borrower’s total overall monthly debt load with their monthly pretax income.

If a borrower’s pretax income is $10,000 and their monthly debt payments are $4,000 then the borrower has a debt/income ratio of 40%. This is acceptable to many lenders.

New Opportunities Many lenders will now allow a total debt burden of as much as 55% of the borrower’s income.

This allows more people to be able to buy a property. Lenders may compensate themselves for the additional risk of this type of loan with a higher than normal interest rate.

Get Mortgage Rates, 25+ Free Mortgage Calculators, Mortgage Quick Tips and Much More

Real Estate News and Advice Refinancing Mortgage News

About the Author
Ben Afzal

Article Source:
http://EzineArticles.com/?expert=Ben_Afzal

Finance and Mortgage Articles

Real Estate Articles

Finance and Mortgage Resources

Real Estate Directory