Online Banking Poll Results

The online banking poll results are in. The question of the week was “Do you bank online?” and it seems that the vast majority of respondents (75%) have both online and brick and mortar accounts. A smaller percentage (15%) don’t have a ‘true’ online account, but use their brick and mortar bank’s online banking service. […]

Weekly Roundup – 04/07/06

Another week, another weekly roundup… I’m a bit late this time, as I’m out of town and writing this from a hotel room. Anyway, here are some articles from the MoneyBlogNetwork and beyond that caught my eye this past week. Be sure to stop by, check them out, and leave a comment if you’re so […]

Offer Made, Offer Received

After a marathon run through eleven houses yesterday (we already know the area, so we were able to get right down to brass tacks), we finally found what we’re looking for… It was the second to last house that we saw, and it has pretty much everything that we’re looking for (including a forest in […]

Roadtrip – Time to Buy a House

Just a quick note to let y’all know that we’re headed out of town to begin our search for a new house. We have a number of promising candidates in mind, we’re pre-approved for a mortgage in our price range, and we already know the area. Thus, it’s quite possible that we’ll have a contract […]

First (Lowball) Offer Received

Well, our house hit the multiple listing service (MLS) the night before last, and three families came to look at it yesterday. Last night our realtor called to say that we had received a lowball offer from the first people that looked at it. On top of an insultingly low offer (especially considering the house […]

Carnivals – Week of 04/03/06

FiveCentNickel took part in five carnivals this week, and also hosted the Festival of Frugality. Here they are, along with links to my posts that were included in each… The Carnival of the Vanities, which is up at Is Full of Crap, includes Improving Our Curb Appeal. Also included is Orthodontia and Armpit Farts from […]

How to Write a Mortgage Gift Letter

Often times a propsective homebuyer can’t come up with sufficient funds for a downpayment in order to qualify for a mortgage on the home they want to purchase. While there are a number of options out there, including no-money down or low-money down mortgages, another alternative would be to procure the necessary funds from a […]

Our House is on the Market

As of last night, we have a realtor and a ‘For Sale’ sign in our front yard. Our house is completely ready for showing, and it’ll hit the MLS before the weekend. So now we wait… As far as choosing the realtor went, we interviewed three different people, two of which we really liked, and […]

The Lengths to Which Mortgage Lenders Will Go

I learned something interesting today… If your credit is good enough, some mortgage lenders will approve mortgages that bring you up to a 50% back-end ratio. In case you’re wondering what that means, your front-end ratio is your total monthly mortgage payment vs. you gross monthly income, whereas your back-end ratio is your total monthly […]

Festival of Frugality #17

Welcome to the 17th edition of the Festival of Frugality. What follows are the submissions that are (in my opinion) clearly about frugality, or that at least talk about spending less. All in all, there were nineteen such submissions this week. I opted to leave out a few others weren’t (in my opinion) on topic. […]