Michael Roche

How to Build a Real Estate Investment Portfolio with Minimum Risk

The percentages vary from one report to another but there is no question that a very high percentage of multi-millionaires attribute their financial success to real estate investments. That doesn’t address how much money they started with or what connecti... Read >

Financing a Second Home, Mortgage Lenders Make the Rules

Actually FNMA and FHLMC make the rules. The mortgage lenders monitor compliance to insure that the mortgages they make are salable in the secondary market. Any residential real estate that is not the owner’s principal residence is classified as either a s... Read >

Financing a Second Home, Mortgage Lenders Make the Rules

Actually FNMA and FHLMC make the rules. The mortgage lenders monitor compliance to insure that the mortgages they make are salable in the secondary market. Any residential real estate that is not the owner’s principal residence is classified as either a s... Read >

Thirty Year Verses Fifteen Year Mortgage – Which Amortization Is For Your Home?

Amortization is defined as the monthly payment including principal and interest required to pay off a loan in a specific period of time. When choosing a home mortgage, it is obvious that the required monthly payment will be higher to pay off a loan in f... Read >

Diabetes Mellitus - Understanding Causes, Symptoms and Treatment

As of the year 2000, according to the World Health Organization, at least 171 million people worldwide suffer from diabetes. For at least 20 years, diabetes rates in North America have been increasing rapidly. In 2010 nearly twenty six million people have... Read >

Financing Investment Property – Second Home or Rental Income

Financing the purchase of an investment property is a little different than a home mortgage. Lenders perceive that there is higher level of risk associated with second homes and properties purchased for rental income and eventual appreciation. Statistics ... Read >

Applying For a Mortgage – How Lenders Evaluate a Loan Application

For several reasons, most home buyers are apprehensive of the mortgage application process. Fear of the unknown is the primary concern followed by fear of rejection and anxiety related to divulging personal financial data. Applying for a mortgage becomes ... Read >

Direct Mail Marketing – Deliver Your Message and Getting It Read

There seems to be a concern among marketing managers that direct mail marketing is effectively dying. There may be some truth to that statement. Certainly the cost of mail has increased in recent years. Effective marketing is of course all about reaching ... Read >

Home Buying Tips – How to Get a Bargain on a Real Estate Investment

Success in buying a home at a bargain price is usually dependent upon the buyer’s willingness to compromise specific lifestyle requirements, features and the condition of the property itself. In the real estate marketplace, a well staged home in immaculat... Read >

Adjustable Rate Mortgage (ARM) – A Viable Alternative for the Short Term Home Owner?

Why would anyone consider an adjustable rate mortgage when fixed rate loans are at their lowest in over half of a century? Interest rates are even lower on ARM mortgages and for buyers who are certain that they will sell within the fixed rate term, there ... Read >

Home Mortgages – What No Lender Will Ever Reveal

To begin with, let it be said that most lenders are reputable and even honest in their dealings with the customer. That is they don’t consider their profit margins and how they arrive at them something that needs to be revealed to the applicant. In genera... Read >

Need Business Capital – Merchant Credit Card Advance

Difficult economic conditions are affecting nearly every facet of America’s business community. High unemployment, deterioration of investment portfolios and overall lack of confidence in the economy are causing a “tightening of the belts” for most of the... Read >

Are Condominiums a Practical Real Estate Investment?

The short answer is a conditional “yes" because there are pitfalls to be reconciled. Identifying some of those issues is the objective of this article. Some investors will not even consider purchasing these properties but there are also those who would no... Read >

Need Debt Relief – Consolidate Student Loans

Education is paramount to financial and social success in today’s society and most people find the cost of higher learning greater than their financial resources can tolerate. Repayment of student loans can become problematic in the early post college yea... Read >

Fannie Mae and Freddie Mac – Pervasive Impact on the Real Estate and Mortgage Industry

From time to time the federal government “sponsors" enterprises. Such an entity is appropriately called a “Government-Sponsored Enterprise". There are a substantial number of these types of entities. Perhaps none has had greater impact on the social fab... Read >