Articles Posted in Buying a home

We Educate People on House Purchases



It is only natural for a person to dream of buying a house. It is something every consumer would like to have: a place to set down roots and raise a family. Homeownership is not out of the question but for some people it can be a challenging experience. This is particularly true of Millennials who may be buying their first home. There’s so much to go into the decision and financial wellness can be affected. Anyone would be a little bit nervous.

Buying a House Can Be Confusing

The process of buying a house can be an anxiety minefield for the first-time buyer. There are so many options as far as the financing of a home, and the buyer may not be sure what to look out for in the process. What type of advice is honest and which advisers are ethical? A lot goes to a person’s mind and lack of knowledge hurts. Countrywide Pre-Paid Legal Services appreciates the dilemma a person can be in. One of the options in our financial wellness program is a course on how to buy a house. This is the kind of education many people need. Continue reading

Knowledge Can Save a Buyer Thousands of Dollars



It is possible that the new tax reforms will change the housing industry. Changes in tax deductions can cause more people to rent, causing the price of housing to drop. It means that the house is no longer a financial investment but a home. It can cause a change in attitude for a lot of people because they may have to hold onto a house longer than they originally thought. Purchase of a house, therefore, becomes a long-term investment.

The house is also the largest investment most people will make in a lifetime. It is more complicated than a retail transaction. There are mountains of paperwork and procedures involved in the purchase. Not everybody understands how to qualify for a loan, but it is a very important part of the financial wellness issue. It also is true that some of the actors in the home investment process are not committed to helping people. We provide education to help homebuyer be a smart shopper. Continue reading

People should know about the value of their holdings



Assets are going to change in a working career. It is not just collectibles but financial matters such as insurance, stock investments, annuities, and other important things that pertain to financial wellness. It happens too often that these gather dust. A person might not remember having an E*TRADE account or a small life insurance policy that is paid up. These are all important things to know to have a healthy financial wellness position.

Knowledge is important, and awareness is critical. Anyone who is drafting a will must realize the lawyer will require an idea of what the assets are. Lending institutions will determine if a loan will be authorized based on the assets of the individual. Countrywide Pre-Paid Legal Services knows that many people are not fully aware of what their full value happens to be. We have an asset inventory management program to allow people to know what it is they own. Continue reading

Countrywide Offers Home Buying Advice




Apartment living has its setbacks. The neighbors can be very noisy, and the landlord can be unpredictable. The rent is not always stable and can go up without warning. These are some reasons why people want to buy a house and live there. It is not out of the question even though prices seem a bit high. A good financial wellness program is going to help somebody find a house and make it home.

An obstacle for many home seekers is a glut of information on the market, most of which is useless. Folks get confused by various offers and financing programs. Incidentally, not all those programs are on the level; some have serious flaws. Countrywide Pre-Paid Legal Services can appreciate the frustration. We have a house education program within our financial wellness plan. It seeks to help people make the right decisions about the financing of a home. We have certified counselors nationwide who are there to provide service. Continue reading

Folks can Take Charge of Their Financesroad-to-recovery-300x300

The school of absurd tuition is now replacing the college of hard knocks. People are finding out just how difficult it is to maintain financial wellness in these times. Credit card debt is out of control for some people, but other folks have more fundamental concerns. These people want to know things like how to purchase a house, how to budget properly and reasonably, and for some advice on how to manage their college debt. Some vendors will provide websites that have little more than question and answer boxes. Most people don’t like that. They want to be able to talk to a real person. Additionally, they want the kind of advice they can use right away. Countrywide Pre- Paid Legal Services will give them that good advice.

Our Counselors are Knowledgeable Experts

Even better, information will come from a real person and not a recording. We have a financial wellness program to help people better understand budgets and finances. Our nationwide network of certified counselors have made a career out of helping people understand the figures. The counseling we provide is the type that offers knowledge that anyone can use every day. Continue reading

The “Smart Move” Program Helps



People dream of having a house to call their very own. It is a place to settle down and raise children. Buying a home also is the largest transaction most people will make in their life. The average home costs hundreds of thousands of dollars, and most people do not have that kind of money. They must get financing for the property, and it is not easy to do. Many, especially first-time buyers, have trouble when it comes to organizing the financing. If they have access to a financial wellness program, the process can become very easy.

Where Are the Sources?

A buyer knows how much to save and has a good idea of how much that dream home is going to cost. The challenge is to find the right financing with an attractive interest rate. Additionally, a person should decide which type of mortgage is best suited for the budget. House funding is an unfamiliar territory, and the wrong move can be very expensive. Countrywide Pre-Paid Legal Services understands that buying a house can be an anxious proposition for anybody. We offer a financial wellness program that includes expert advice on how to purchase a home. Continue reading

There are several ways to help peopledebt-relief-pill-300x255

Getting into financial trouble is easier than you think. Medical insurance deductibles are often as much as $5,000, and student loan debt can take a bite out of a paycheck. It often happens people are simply overwhelmed by the number of credit card bills coming into the house. Anyone can be bewildered by the extensive paperwork which demands payment. It helps to have some way to figure out what you have and what you owe. Financial wellness programs need to have the right tools to sort out personal finances better.

Looking at the Current Picture

Countrywide Pre-Paid Legal Services offers the kind of help a person requires to become financially stable. We begin with a set of tools that proved to be effective in determining financial status. Any of the benefits within our group plan start with budget counseling. Our network of certified counselors will look at the income and expenses a person ordinarily has. This data permits the counselor to provide expert advice on how to budget properly, and put debt under better control. Continue reading

Home Buying Education Helps Buyers

Model house in woman's hand

Model house in woman’s hand

The Information Can Save Thousands


Not everybody is in a financial wellness crisis. Most people have their finances well in hand and are making needed payments. The same people may need advice on major expenses they’re contemplating. Buying a home is a major financial transaction. Advice on how to buy a house can be very worthwhile and save thousands of dollars. Countrywide Pre-Paid Legal Services offers education on housing to help people make better decisions. Continue reading

California is known for its glorious sunshine and laid-back lifestyle. It is also known for having some of the most expensive real estate in the country, not to mention some of the most unique real estate situations. This is a state where two or more mortgages on the same property are not uncommon, and where a purchased home is torn down and rebuilt because it is cheaper than buying an even more expensive house. California real estate is notorious for very intricate buying and selling transactions. It goes without saying that in situations where the family home is being purchased or sold, having a good attorney is important.

Of course, a resident of California does not absolutely need legal counsel for buying and selling a property. A person can become acquainted with all the various statutes with information readily available from the California Department of Real Estate. Because the law is fairly complex, it truly is a good idea to have an attorney act as a guide through the maze of paperwork the sale or purchase of a house creates.

Real estate attorneys are familiar with terms and procedures such as title searches, liens, the real estate binder, and the deed for the property itself. They can help both buyer and seller. As mentioned earlier anyone can do all the necessary work alone, but a person inexperienced with real estate transactions may overlook an important point and be faced with an expensive consequence as a result (e.g. a seller ought to pay the remaining balance on a natural gas utility budget as part of the final sale. Overlooking this point could cause the buyer to assume the entire expense after the purchase).

The real estate market in Ft. Lauderdale, Florida and other parts of the country for that matter are very interesting right now and there’s a way prepaid legal services can have an impact. There are different points of view in the real estate market, some people are looking to take advantage of the low prices, desperate sellers, and buying either a home for themselves or an investment property. Other people are in over their heads and will soon be facing foreclosure or even bankruptcy. Whichever side you are on, you will benefit greatly from legal assistance whether you realize it or not. Need link and key word

Let’s use the example of someone who is in danger of foreclosure or even bankruptcy. Many lenders have grown tired of playing nice and trying to be patient with you while you try to get back on your feet. They send threats; even refuse payments so they can start the process of foreclosure early. You may think it’s a joke but some lenders actually have refused payments because they feel the homeowner will continue to struggle making them. If you had pre-paid legal services provided by your employer you would be able to get an experienced attorney who could help you fight the lender and their bullying tactics.

What if you are doing great financially and you are looking to buy a new home either for yourself or as an investment property? There will be little need for an attorney because everything will pretty much be cut and dry right? Chances are you are buying a property that is either in foreclosure or has desperate owners. But what if you agree to a price and then come to find out there are termites? What if you discover the house needs a new roof? What are your options then? That’s when having pre-paid legal services at Countrywide will come in handy because you have unlimited consultations with an experienced attorney to find out the answers to all your real estate questions.