How to Realize YOUR American Dream ...... Home Ownership

How To Realize YOUR "American Dream" ...... Home Ownership

The "American Dream" is to own a home, right?  Whether you build a home or you buy an existing home it is considered to be one of the best investments that you can make for your family's future. 

When owning a home, you want it to be a place where you can relax and be yourself.  There are no "landlord" limitations put on you when it comes to any remodeling or renovating that you would like to do.  (Of course, state and local regulations do still apply.)

For some people, owning a home seems like a dream that may never be realized due to things such as a lack of down payment and/or closing costs, credit challenges, or a lack of enough income to be able to afford the monthly payment on the home that is desired. 

The Miller Housing Group is here to help!

We focus on individuals who desire a home and we assist them in resolving the three issues that have been preventing them from being able to buy or build their "dream home".   

The three issues are, as mentioned above:

 Lack of down payment and/or closing costs

 Credit challenges

 Lack of enough income to afford the monthly payment

Home ownership does not come overnight, however, the Miller Housing Group is here to assist you in gaining access to home ownership.

Is it the lack of down payment and/or closing costs or the lack of enough income to afford the monthly payment that is holding you back from your "dream home"?  If so, the Miller Housing Group can assist you by showing you how to create more income as a Club Member.

Do you have credit challenges that are holding you back from your "dream home"?  We offer access to Debt Counselors who employ experienced attorneys and staff to assist you with Debt Negotiation Services and/or Credit Restoration Services.

Are you willing to begin and follow your journey to a successful outcome? 

OR 

Would you rather continue what you have been doing for years and never realize YOUR "American Dream"?

If you are willing to begin and follow your journey to a successful outcome, the Miller Housing Group is here to assist you.  

We offer an enjoyable and fun experience with a team of experienced professionals who are specialists in their field and are there to assist you in accomplishing your goal.

Please visit us here to begin your journey to Home Ownership.

This article is brought to you by the PJ'S Team at Miller Housing Group.

For more information on this topic and many more, please visit us here.

"Maximizing Your Housing Experience"

What is the real advantage of home ownership anyway?

What is the real advantage of home ownership anyway?

I'm so glad you asked. Here are some facts that will help to answer your question. Even considering periodic adjustments in local markets in response to economic conditions, over the long-term, real estate has consistently appreciated by 5-6 percent annually, on a national level, according to economists at the National Association of Home Builders (NAHB). 

That is a huge advantage! Wouldn't you say? 5% may not sound like much, at first, but here is an example from the NAHB's website that will put it into perspective for you: "Say you put 10 percent down on a $200,000 house, for an investment of $20,000. At a 5 percent annual appreciation rate, that $200,000 home would increase in value $10,000 during the first year. Earning $10,000 on an investment of $20,000 is an extraordinary 50 percent annual return." Thus, in only 2 years you would have the same amount of equity as your initial investment in the home.

The same NAHB economists want to point out that, "In contrast, putting that $20,000 down payment into the stock market and getting a 5 percent gain would only yield a $1,000 profit."  Wow, that puts it into perspective! Now I have a question for you.  Where would you rather invest your $20,000?

This article brought to you by the PJ'S Team at Miller Housing Group.

For more information on this topic and many more, please visit us here.

"Maximizing Your Housing Experience"

Is Buying a Home in Today's Economy a Good Idea?

Is Buying a Home in Today's Economy a Good Idea?

Most experts would agree that, as a long-term investment, homeownership is still one of the best investments for individual households. What many buyers don't realize is that housing markets, like all markets, inevitably have their ups and downs.  The real benefits of homeownership are virtually unmatched by any other purchase you can make.

 

Despite the turmoil in mortgage lending, if you have good credit, a job and steady income, (and Miller Housing Group can help you with all three of these things) you will find there is still plenty of mortgage credit to be had at good rates. Rates are running at near historical lows right now, for well-qualified buyers. Based on the information that has just been presented, I would say the answer is a resounding, "Yes! It is still a good idea to buy a home, in spite of the economic challenges of today." That's great news for all!

This article is brought to you by the PJ'S Team at Miller Housing Group.

For more information on this topic and many more, please visit us here.

"Maximizing Your Housing Experience"

Home Buying Tax Tip

Home Buying Tax Tip

Some of you may still not be aware that there is help out there for you, if you'd like to own a home, but haven't had the opportunity to do so, for whatever reason. One of the options comes from the government in the form of a tax credit that appears on your federal income taxes for the 2009 year. The way this works is, if you are a qualified buyer who has not owned the home you live in for the past three years, you may be eligible for up to an $8,000 tax credit if you buy a home on or after January 1, 2009 and before December 1, 2009. There are some states that even have tax credit loan programs to help with down payment or closing costs.

Now, I know it is getting awful close to the end of the year and thus, the deadline to take advantage of this offer, but there is a great need for the government to extend this deadline because many more people would take advantage of this opportunity if they were just told about it and then had more time to act. There have been requests made for this extension from the government, so we'll all keep our fingers crossed and hope they act soon. In the meantime, if you meet the qualifications I referenced above, don't waste another minute.  Start looking around today for your new home!!! The Miller Housing Group is here to help you achieve your dream by helping you get your credit repaired, if it has been damaged by the recent economic situations, and we'll also help you build up your monthly income to afford the payments on your new home. What are you waiting for? Go!!

This article is brought to you by the PJ'S Team at the Miller Housing Group.

For more information on this topic and many more, please visit us here.

"Maximizing Your Housing Experience"

Real Estate Investment Options

There are all kinds of avenues available to those that are considering real estate as a likely method of investing in the future. And why on earth shouldn't you? This is one way that millionaires around the world will agree to build a massive fortune quickly. At the same time, real estate can be a very risky venture for business so you need to have a few more stable methods of bringing in money in order to have a truly diverse portfolio and a better security system for your financial future. Even within the world of real estate investment you will find different manners of investing that each bear different risks.

Commercial real estate is a good place to begin because it is relatively secure when compared to some of the other forms of real estate investing. The drawback with commercial real estate is that it requires a massive investment to begin with. This is something that many real estate investors do not even consider until they have built a sizable portfolio and have plenty of money to risk. It is stable because most businesses that lease from you will want to lease on a long-term basis. This means that when you get clients, businesses prefer to stay in one location as long as possible because it's bad for business in most cases to constantly be on the move, they tend to stay a while.

House flipping. This is becoming a popular form of real estate investing and many people have discovered that this is also a great way to make or spend money very quickly. This is a high-risk venture to say the least but the rewards are equally high when a flip goes well. You will have to decide for yourself if you are willing to take the gamble as house flips are part skill and part luck.

Residential rental properties. Becoming a landlord, while perhaps not as glitzy as owning business properties throughout the city or flipping fabulous properties for instant profits is a great way to work yourself into a rather comfortable retirement. This is a long-term type of real estate investment but the payoffs can be rewarding when all is said and done. For the cautious real estate investor this is a worthy type of real estate investment to pursue.

Pre-construction real estate. Pre-Construction profits are even riskier than house flipping in many instances, particularly as it has become so popular in recent years. The trick with this kind of investment is finding the right property in the right market. If you can get in a city that is about to have a serious housing shortage or is in the beginning stages of a housing shortage (such as a few desert and coastal communities have experienced in recent years) you stand to make quite a fortune for yourself. The problem is that this field is highly speculative and very competitive.

Lease or rent to own purchases can often bring better profits. For many real estate owners this is preferable to straight up renting for many reasons. First of all, those who hope to own their homes are much more likely to take better care of their homes than those who are just renting. This means that even if for some reason they decide to move elsewhere and do not complete the purchase you are less likely to need extensive repairs before you can move along to the next client. You can charge a little more than rent applying a certain amount of the monthly rent to the purchase price or down payment of the home, and you can actually be helping a family that might have hit a trouble spot along the way to achieve the American dream of home ownership.

Real estate investing is a great way to build great fortunes. You must decide where you want to begin your journey into this lucrative field however. Remember that once you've begun your real estate investment career it is a good idea to utilize more than one type of investment for the sake of diversity and spreading the risks, as this is a volatile market at best.

This article brought to you by the Housing Solutions Team at Miller Housing Group

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