September 15, 2001

Welcome to 0nly4Homebuyers Issue 36.
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In This Issue:
Organizing Your Home Search
FINANCIAL MANAGEMENT TIPS
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ORGANIZING YOUR HOME SEARCH

You're buying your first home. It's one of the most important
and exciting purchases you will ever make. Owning a home can
help you build equity while reducing your income tax. This
guide will provide some pointers to help you on your way to The
Great American Dream. We hope this will help you understand the
tax advantages of home ownership. It can help you organize your
home search as you begin browsing through the housing market.
Determining what features you want in your dream house and what
payments you can afford are the important first steps.

It's a good idea to obtain a copy of your credit report before
you start house hunting. You may find an error that needs
attention and could prevent loan approval. Credit reporting
agencies are in your yellow pages. Fees may vary, but most
agencies charge $10 or less for a copy of your credit report.
TRW is a national credit-reporting agency that will provide one
free copy per year. Call 1-800-392-1122 or 1-800-682-7654 for
details. It will take approximately four weeks to receive your
free copy.
Your mortgage banker will probably ask for copies of prior
years' tax returns. If you have copies of your credit reports,
tax returns, list of assets and all liabilities, and bank
statements organized, you're ready to start exploring the
housing market and shopping for a mortgage.

Risa Saltman, ABR,CRS, is a real estate agent with RE/MAX
Town and Country Realty, Inc in Orlando, Fl, see
http://orlandobesthomes.com

Get Your FREE Credit Report Online!
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FINANCIAL MANAGEMENT TIPS
By Barak Strickland, Personal Financial Coach

When you've spent your paycheck, is there still a stack of bills to be
paid? Is a savings account something you're still planning to open
instead of something you put money into regularly? If so, you're not
alone.

Here are some tips to help:

* Pay yourself first. Invest at least 10% of your income in consumer
debt repayment or in some type of investment account. To make real
financial progress you must reduce your liabilities and increase you
assets.

* Establish specific written financial goals. Set short term, medium
term and long term objectives for yourself and your family. Review and
update your goals regularly, no less than annually.

* Make a realistic spending plan and use it. You must plan how your
income will be used or someone else will! Track your expenditures
using receipts, a notebook, or whatever is convenient for you.

* Learn about the different types of insurance available. Buy only
what you need to cover a specific risk. Increase deductibles to the
highest amount you can afford.

* Stay current with your finances by reading regularly, taking courses
and working with your own personal financial coach.

If you've heard all of this before but haven't acted on it, now is the
time to move forward!

Remember "Knowledge without action is ultimately the same as not
knowing."

About the Author:

Learn proven strategies to improve your personal financial Situation
from Barak Strickland, Personal Financial Coach. Email him at
mailto:Barak@...
or visit his web-site at http://www.strategies-unlimited.com

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Please feel free to share this newsletter with your friends.
If you have a suggestion for an article, please email me directly at
mailto:cmc@... and tell me what you would like to
see!
If you would like to read more articles about buying or selling a home,
please visit our website at http://www.creativemortgageco.com/

Til next time. Have a great month.
Cindy

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