Surviving The Credit Crisis Karen Simpson-hankins, Ctacc

For a Senior homeowner, there comes a time when the family home is no longer a good fit for their needs.  The home may be too large, too expensive, or too much work to maintain and the Senior needs to downsize. Join me today as my guest, Sam Benson, a Walnut Creek California Real Estate Broker, and […] The post Surviving the Credit Crisis – Are You a Senior Needing to Downsize Your Home? appeared first on WebTalkRadio.net.

How do you create real everlasting wealth?  The kind of wealth that is here today and tomorrow! Join me today as my guest, Chris Miles also known as “The Cash Flow Expert” and I discuss the 3 steps to everlasting wealth. It’s all about working smarter not harder and mindset plays a big part to […] The post Surviving the Credit Crisis – The 3 Circles of Wealth appeared first on WebTalkRadio.net.

When I’m working with a client on a new home purchase, one of the first things I recommend to them at application is to start shopping for homeowner’s insurance.  There are so many things to think about when shopping for insurance and building a lasting relationship with your agent!  Not only do you want to […] The post Surviving the Credit Crisis – What You Need to Know About Homeowner’s Insurance BEFORE You Buy a Home… appeared first on WebTalkRadio.net.

Every day, I speak with potential home buyers looking for their piece of the real estate dream.  But with a tight inventory and lower priced homes in short supply, prices continue to climb and we are back to the days, pre-credit crisis, when multiple offer situations were a normal part of business!  Clients tell me […] The post Surviving the Credit Crisis – Are We in Another Real Estate Bubble? appeared first on WebTalkRadio.net.

Manufactured Homes can be a lower cost option for many home buyers, especially those looking for acreage.  But…they are a unique product type and come with a separate set of lending requirements.  Due to the credit crisis these last few years, lenders are being a lot more critical and cautious when it comes to what […] The post Surviving the Credit Crisis – Why is getting Manufactured Home Financing So Difficult? appeared first on WebTalkRadio.net.

In the past, retirement used to be constructed like a 3-legged stool with pension, social security and savings. But in today’s environment many companies are doing away with pensions and social security is being delayed, taxed or potentially reduced! This is requiring consumers to save more now to ensure that they will have a sufficient […] The post Surviving the Credit Crisis – Do You Have Enough Funds for Retirement? appeared first on WebTalkRadio.net.

With the continued tightening of underwriting guidelines by lenders, an appraisal is the most critical component in determining risk by the lender. But…from a consumer point-of-view, I am continually asked, “Is an appraisal really necessary?” I don’t believe that most consumers really understand what an appraisal actually is, what it includes, and how a lender […] The post Surviving The Credit Crisis – Are Real Estate Appraisals Really Necessary? appeared first on WebTalkRadio.net.

Join me today for another episode of “Ask Karen” where I dedicate the entire show to answering your questions. We’ve been getting a ton of questions from Facebook, LinkedIn, and my blog and I’m sure we’ve got the answers that you’ve been looking for! The topics we will be covering today include: · What is […] The post Surviving the Credit Crisis – Questions and Answers for Today’s Savvy Home Buyer! appeared first on WebTalkRadio.net.

Did you know…It’s a fact that many people fail to get the best deal possible when shopping for a home loan? It’s true…and they end up paying more in upfront fees and unnecessary interest that can last the entire life of their home loan, primarily, because they don’t know the proper questions to ask when […] The post Surviving The Credit Crisis – Turn the Tables on Your Local Bank and Get Your Mortgage Your Way! appeared first on WebTalkRadio.net.

Real Estate is an increasingly complex, highly competitive, and fast-paced industry, and tomorrow’s professionals require advanced knowledge and training to excel in this field. Graduate studies in real estate are in demand more than ever because an MBA in real estate can open doors to greater job and career opportunities. Developed especially for working real […] The post Surviving The Credit Crisis -Are You Looking for a MBA In Real Estate? appeared first on WebTalkRadio.net.

Credit and Credit Scores have to be the most understood element in the entire home buying/credit process. Actually, anytime you want or need a loan your stress level begins to climb! As you sit and wait for the lender to describe your fate many thoughts cross your mind. “Do I even know what’s on my […] The post Surviving the Credit Crisis – Ask Karen … Questions and Answers about Credit appeared first on WebTalkRadio.net.

If you have ever bought or sold a home…or are about to buy your first home, I’m sure you’ve seen a charge on your Good Faith Estimate or HUD1 Closing Statement for title insurance and escrow fees. But what actually is title insurance? And…what does it cover? Join me today as my guests, Charlie Cookson […] The post Surviving the Credit Crisis – Title Insurance & Escrow, What Is It and How Are You Protected? appeared first on WebTalkRadio.net.

With the philosophy that the perfect way to calm the housing fears of today’s home buyer is to provide them with the tools they need to be successful, I decided to begin a monthly question and answer session here on “Surviving the Credit Crisis.” Here, I dedicate an entire show to answering your questions! Last […] The post Surviving the Credit Crisis – FAQ for the First-Time Home Buyer or…Actually Anyone Wanting to Buy! appeared first on WebTalkRadio.net.

With the rising cost of college and the financial illiteracy of both parents and students, student loans are becoming an unspoken cycle of debt for many Americans, both young and old! Is adequate financial education, the importance of career and credit planning, and the necessity of budgeting being discussed by educators, parents, and the student […] The post Surviving the Credit Crisis – How Student Loans Can Impact Your Financial Health! appeared first on WebTalkRadio.net.

I was recently reading an article about Payday Loans written by my guest, Aaron Crowe and I knew I had to have him on the show! Aaron is a personal finance freelance writer that writes for many different financial blogs and media sources. In the article entitled, “Smarter Alternatives to Payday Loans,” Aaron researched the […] The post Surviving the Credit Crisis – Are Payday Loans Really a Smart Option? appeared first on WebTalkRadio.net.

Real estate prices are on the rise and Central Oregon is no exception. Inventory is down and demand is causing prices to climb! Everywhere you look in the media, the city of Bend and the entire Central Oregon area is being touted as the place to live! The “quality of life” and “the outdoor recreation […] The post Surviving the Credit Crisis – The Central Oregon Real Estate Economy Continues to Heat Up! appeared first on WebTalkRadio.net.

Buying a home can be one of the most challenging investments we make in our lifetime. The complexity of the transaction combined with your own unique financial goals and the lender’s depth of knowledge can leave everyone in a state of confusion. The solution is understanding how to determine the best lender and loan for […] The post Surviving the Credit Crisis – How to Survive, Strive, and Thrive in the NEW Real Estate Economy! appeared first on WebTalkRadio.net.

What actually is that “Wow” factor when it comes to making money and taking your income to a whole new level? There are several traits that people who make a lot of money exhibit on a consistent basis. Do you know what those factors are? Do you see the world as a world filled with […] The post Surviving the Credit Crisis – The X-Factors – How You Are Losing Tens of Thousands of Dollars and You Don’t Even Know It! appeared first on WebTalkRadio.net.

You want to buy a home, but you just can’t seem to find the funds for down payment. I’ve got you covered! As one of only a few NHF-approved lenders, Academy Mortgage is pleased to offer an exclusive loan solution and grant program for low- to moderate-income individuals and families in California, Oregon, Washington, Idaho, […] The post Surviving the Credit Crisis – Need Down Payment Assistance? The NHF Platinum Program May Be Your Answer! appeared first on WebTalkRadio.net.

You are a financially wise woman and you are smarter, wise, stronger, and more powerful than you think! Don’t let your financial past dictate your financial future. Join me today as my guest, Brittney Castro, a certified financial planner and personal financial expert for women, and I discuss the “10 Things Every Female Should Know […] The post Surviving the Credit Crisis – 10 Things Every Female Should Know About Money! appeared first on WebTalkRadio.net.