Rachael Hite

 Are you feeling the crunch?  It is still not too late!   You can still grab the benefits of the tax credits as long as you are in a ratified contract by April 30th and you close your house before July 1st! Step 1:  Get Pre-Qualified!  You will need to know what interest rates and mortgage progra...

 According to recent statistics presented on capital hill, almost 30% of all home purchases are funded by FHA loans.  Of that 30% , about 80% are FIRST TIME HOME BUYERS!!   Why?  Small banks are not lending!   The FHA loan was designed to serve the under served . . . now its a staple in our indus...

GET OFF THE FENCE!   Time is running out on the tax credits, but also we may have higher downpayment requirements for FHA loans in the future!   Interest rates are also at risk for a rise this summer.  Don't miss out guys, if you want to buy give me a call and I will see if we can make it happen...

 We all are trying to figure out ways to get 1.) More Organized and 2.) Save Money!   For most family's the largest expense of the month is grocery shopping!   I keep waffling back in forth between stores vs. savings but this weekend sealed the deal with me at Martins.   I discovered that for BON...

We have all experienced it recently,  over spent,  over draft fees,  over use of the debit card.  This economy is difficult to navigate even for our more experienced parents and grandparents.   Panic truly will set in if you suddenly find yourself with a change in income.  Job loss, overtime lost...

 Believe it or not any real property with a lien on it can and will be taken from the owner for non sufficient payment . . .even if it is an undeveloped lot, on the side of a mountain, it the middle of no where . . it can be foreclosed on. ( Now only if we could find it!)  LOL!   Our office has s...

2009 was a rough year . . . many people lost their jobs, their homes and still face a tough road ahead.    Tax time after bankruptcy, foreclosures, or short sales can be complicated.   Make sure you go the extra mile to find a reputable CPA to protect your best interest when filing.  Some lenders...

Life After Bankruptcy OK so you made it through the system. Now What?   Start to rebuild and make reasonable goals for yourself in the future.   One of my favorite financial websites www.bankrate.com has a TON of information about credit, interest rates, all kinds of financial calculators and muc...

   If you have made the choice to move forward with bankruptcy, you will need to be prepared to open your bank account, checkbook, and any other financial statements to your chosen attorney and several others.   Do yourself a favor and find an accordion folder or a three ring binder to organize y...

Millions of Americans are considering this option because of the current state of the economy and the effect it has had on their wallets AND their credit.   Bankruptcy may seem like the easy answer, but IT is a long process that will stay with you and your family for years to come.   In my next f...