Things to know about USDA Home Loans

Now, these loans are of different types for different reasons. US Department of Agriculture mortgage program offers a huge opportunity to the suburban and rural homebuyers. Through USDA loans, it can help you own your dream house. Let’s know more about USDA home loans:

What is a USDA loan?

For those who aren’t wealthy and ineligible to get a traditional mortgage, this is the best thing that can ever happen to them. This is a type of rural development loan which is mainly for the borrowers who aren’t rich but dream to have their own house. The best part of the loan is that this is a zero-down payment. Yes, you read that right. You can get a USDA loan (if you’re eligible) with no down payment. The loan is issued by the US Department of Agriculture under the USDA Rural Development Guaranteed Housing Loan Program.

However, there are many more things to know and understand about USDA home loans:
USDA loans are for every borrower, and not only for buyers: By the term “rural development loans,” the very first thing that comes to mind is “farmer.” Images of crops and farms pop up in the minds automatically. Unlike this assumption of yours, these loans are for residential properties and not farms.
It includes rural as well as suburban areas: There are some conditions that are to be fulfilled to get a loan under the USDA Rural Development Guaranteed Housing Loan Program. Areas are classified as eligible and ineligible for USDA Home loans. The home that you select to buy has to be on that list of eligible areas. This list includes maximum rural regions, some suburban areas and even few mid-sized cities. So before applying for a USDA loan, make sure the area is eligible for the same.
Know your credit score: Credit scores play a significant role when it comes to lending. It is better to check the accuracy of your credit score before you apply for a USDA loan. However, there is no minimum credit score, but a score of 640 or higher is preferable.
Zero down payment: USDA loans are affordable because they provide a loan with zero down payment. You can get your house without paying any money before you own it. This has made it more affordable and comfortable for many borrowers.
Property types under USDA loans: This rural development loan includes several properties. Know that properties like manufactured homes, existing homes, new construction homes, modular homes, condominiums and planned unit developments are eligible for a USDA mortgage. So, any home that you select can be of any category as mentioned above.
• Income limits: This policy has been introduced by the government to make homes available to those who cannot avail loan on regular mortgage. So those who aren’t wealthy but wish their own homes are the only focus of this program. But there are chances that the loan can be misused by those who are eligible for a traditional mortgage but hide their original status. So, in order to sidestep this sort of situation, the Department of Agriculture mortgage program has drawn up rules related to income limits. Income limits are adjusted depending on the area where the property is located.

Get yourself a safe home through USDA Rural Housing Loan: Approach USDA Lenders as your helping hand

If not, then this is exactly what you need to know if you are a Rural resident and planning to buy a house. The Rural Housing Loan has been initiated so as to see a growth in the economy and standard of living in the rural areas.

What is USDA Rural Housing Loan?

It is a zero-down payment loan service introduced by the United States Department of Agriculture for eligible Rural and Suburban Homebuyers. It is a part of the USDA Rural Development Guaranteed Housing Loan Program. With the help of this initiative, you can own a house of your own. Every person whether he is low income resident or moderate-income resident is allowed to apply for USDA Rural Housing Loan provided there are certain conditions that he must qualify.
Eligibility Criteria for USDA Rural Housing Loan: -

Credit History: A credit score of 640 or above is an ideal credit score to have for the loan. Even if the credit score is less than that, you are still eligible for the loan. What truly matters is your Credit History, the cycle at which you have repaid any previous debts or loan is what creates a credit history.
Debt to Income Ratio: Your income must be stable enough to follow the current Debt to Income Ratio which is 29:41. It means that 29% of your income can be spent in paying interest, insurance, principal, taxes etc. While 41% of your income should be kept for paying your other bills.
Loan Limits: There are no such limits as far as taking USDA loan is concerned, it depends entirely on your income. If your income is higher than you are going to have more money to afford large payment of loan and vice versa.
Income Limits: Since the overall purpose of introducing a program like this is to help the low and moderate income earning people to afford a house. So, there is an income limit to ascertain who can apply for a loan and who cannot. It is currently valued as 115% of an area’s regional income, that is the income of your household should be below 115% of your area’s regional income.
Employment History: The person applying for the loan and who would be liable for paying off the loan must have a stable employment of 2 years for you to qualify for USDA Rural Housing Loan.
Who are UDSA Lenders?

The individuals who have enough knowledge about the USDA Loans and are verified lenders with a U.S. citizenship are referred to as USDA Lenders. Every person who wants to apply for USDA loans must take help from a lender. A qualified lender will handle all the paperwork and approve your loan after checking all the eligibility criteria. It is important on the part of the Rural residents to find an approved lender to apply for the loan and get it pre-approved. Once you get the lender’s approval, you can then make an offer for the USDA to sign off. USDA Lenders do most of the jobs for you, the only task for you to do is find a property and then let the lender check whether it fulfils the requirements or not.

Prepare a Budget and then own a Home: USDA makes it as easy as it sounds.

Then it’s high time you introduce yourself to USDA Mortgage, a lesser known loan service for the greater good of the Rural population. And, guess what you can ascertain your budget too by simply using the USDA Loan Calculator.

What is USDA Mortgage?

The Mortgages that are guaranteed by the U.S. Department of Agriculture (USDA) are called the USDA Mortgages. There are one of the fewer loans that are still available at no down payment applicable on home purchases. For every rural area that comes under the eligible areas, USDA Mortgage is the best option available for them to buy houses of their own. They have certain limits as far as the income is concerned and eligibility criteria for the rural residents to qualify.
USDA Mortgage Eligibility

USDA Loan Credit Requirements: A person who wants to get USDA loan should show a stable income, a good credit history and ability to repay the loan. Even though there is no minimum credit requirement but a credit score of 640 or above are granted the loan without any doubt. The lender needs to check your credit score, patterns of loan repayment, credit utilization and length of credit history before they apply for a USDA loan.
USDA Loan Income Requirements: Someone who has a stable income is preferred for USDA Mortgage. A lender checks for two years of consistent employment along with income tax returns for verification purpose.
Location Requirements: To know whether your area is eligible for a USDA Home loan, you must check the eligibility map. And, the best part would be if you ask your lender to check whether your preferred location is eligible or not. This loan has been introduced to help rural areas through development so any other area that doesn’t fall under the Rural category is not eligible for the loan. There are some Suburban areas that qualify though. Also, there are population factors to determine the same.
Property Requirements: The purpose of the USDA Mortgage is to provide people having low and moderate income with a safe and sanitary household. So, the basic requirements that you must include are, the house must be the buyer’s primary residence; the house must be having adequate facilities and access to transport, road, water as well as water disposal system.
Citizenship: It is one of the primary needs as the residents of the rural areas must be permanent U.S. citizens.
Employment: A person must have at least 2 years of continuous employment or stable work to qualify himself/herself for USDA Mortgage.
What is a USDA Loan Calculator?

A USDA Loan Calculator is basically a payment calculator used by the USDA to calculate an accurate USDA Mortgage. It is done by accounting monthly USDA Mortgage insurance, homeowner’s insurance, USDA guarantee fee and property taxes. It helps people ascertain their monthly payments that they have to make against the loan they are planning to take. With the help of this, people can draw a budget and then search for a property or home that fits their budget.

Does Your Business Need a Marketing Consultant?

Have a booming business with more clients than you could ever possibly service, then stop reading right now – this article isn’t for you.

I’m assuming that since you’re still with me, you’re not currently swimming in more money that you could spend in a lifetime. So let’s talk about how to get more customers in the door.

When it comes to being a business owner, most business owners are pretty proficient at whatever it is the business does. If you own a landscaping business, you’re probably a pretty descent landscaper. If have a roofing service, you probably are pretty good at roofing a house.

But being a business owner does not make you a defacto expert in marketing a business. In fact, many business owners are downright lowsy at it.

That’s Why I generally recommend hiring a marketing consultant. Just like that plumber being good at doing plumbing, a marketing consultant is usually a pretty damn good marketer and can quickly see ways for your business to make more money.

The key here is to hire an *independent* marketing consultant. The guy who calls you up to sell you space in the yellow pages – not a marketing consultant (those people are called salesmen, a noble profession, but not the same thing). Same goes for the cable company rep that wants you to buy a 30 second commercial – salesman, not consultant.

Find a consultant who isn’t tied to any one strategy and they’ll be able to see where the opportunities are for your business. For example, instead of telling you to purchase more advertising on the radio, they can help you rework the campaign to be more effective.

Another example would be the Internet and local business owners are some of the worst offenders here at make *terrible* websites. Oh, and just because you have a good looking and aesthetically pleasing website doesn’t mean yours is good. Instead, the real litmus test is if the website actually brings in paying customers.

Again, a good marketing consultant can look at your site and how it ranks in the search engines and develop a strategy to make it far more effective.

Mary Kay Cosmetics Consultants – Helping Or Hurting Women? – Scam Or Legit?

Mary Kay Cosmetics and most Multi Level Marketing (MLM) companies say they offer the world’s greatest business opportunity which is based on selling products. Mary Kay Cosmetics $2 billion a year enterprise where hundreds of products are sold through word-of-mouth advertising. Mary Kay is another recruiting scheme in which they try to get their consultants to purchase a boat load of cosmetics and then resell them. Their hook is how can you sell cosmetics if you don’t have an inventory to sell?

I have heard from friends of mine that were former Mary Kay Consultants that the problem is that a consultant never has exactly what their customers need when the customer wants it. It is nearly impossible to predict at the level how many of each product you are going to need after the first few months. Hence, after the first few months, you end up making smaller orders at a much lower discount level on a more frequent basis. Furthermore, that lower discount level equates to a smaller profit margin for you.

What ends up happening quit often is that by the time the new consultants purchase their cosmetics, factor in the costs for promoting their business, delivering them or working with customers, it outweighs the small pofit earned. Also, the requirements for purchases are greater than most people can meet, hence most of the consultants wind up with a lot of unsold goods. Hence, the vast majority of the products sold to the consultants are never resold to an actual customer. Is it because the consultants really don’t try to sell? Perhaps, but a majority factor is that It’s because the products are of mediocre quality and are overpriced.

With the internet and large department stores in the mix, cheap substitutes for these cosmetics are everywhere and have similar if not better quality. Here’s something else to consider. Where are you going to find your new customers? Mary Kay encourages their consultants to begin with their friends and family and then branch out from there to strangers. Even the most supportive family and friends only need so many cosmetics. Hence, after an initial order when everyone generously buys some items to help you get started, it will be many months until they need to replenish.

Then the next step is moving on to strangers. You’ll try to rope in some of the people you meet through giving skin care classes into having a party and your friends and family will probably may also do that for you but their friends and family probably won’t. Ask yourself how many women you know are just desperate to get their friends together for a Mary Kay party, probably not too many.

Is Mary Kay Cosmetics a scam? I would say no. This critique about Mary Kay Cosmetics concludes that they are a lawful organization that allows individuals to generate an income by selling to their friends, family and anyone they can get in front of to try to grow their “business”. If you enjoy recruiting friends and relatives and hosting home event parties than this may be right up your alley.

Personally, I’ve completely avoided these types of programs altogether and have advised my friends and family as well as I have been able to make a comfortable living from the internet at home much more easily.

Professional Wedding Consulting Course

Weddings are big businesses today. Most, if not all couples who are planning to wed spend so much money just so that they can have the perfect wedding. They hire not only caterers, wedding planners but also consultants. However, these are not just randomly picked individuals; rather they are fully qualified professional in their respective fields. It would be safe to conclude that couples would rather settle for who has taken the professional wedding consultant course as opposed to one who has not. The reason is simple; couples want quality and professional service.

Taking the professional consulting course is a step in the right direction to all who are interested in the glitzy world of weddings and wedding planning. One gets to do what they absolutely love everyday. The biggest advantage being that the course can be taken conveniently at home and the business can also be run from home. By taking the course, the consultant is able to learn different aspects of the wedding business that they could potentially use to make tonnes of money. Because the wedding business is growing in leaps and bounds it would be a good investment to have the wedding consultant qualifications. This is because wedding consultants will be in high demand in the future.

The professional course may be described as an all inclusive course. Students learn all things that pertain to wedding, from the preparation of the guest lists, planning wedding on different budgets to how to give a really good bridal shower. This information does not in any way go to waste as it may be used by the student herself should she want to have a wedding of her own. All the wedding do’s and don’ts are part of the syllabus.

Quick search on the internet and one comes across many different sites that offer the professional wedding consulting courses. With the advent of the internet it is possible to study on line. However, interested students may also choose the option of studying at home. All one has to do is pay for the study material which is then shipped to the students. This is a big advantage to those women who already have family commitments and find it hard to leave their children behind just so that they may go to school. The courses may be regarded as affordable. More over, discounts are offered to the students who pay the course fees all at once as opposed to in installments. Thus, convenience is not only with regards to payment and the mode of study. Students are also allowed to choose their study schedules. Consequently, it is up to the students to choose whether they would like to study on weekly basis taking breaks or if they prefer taking and finishing the course once and for all.

Starting a business is a daunting task; the good thing about taking the professional consulting course is that it provides crucial insight into what is required. The course helps to answers such questions as whether starting a business is an expensive and difficult affair like most people say it is.

Amazing High Priced Consulting – Uncover 6 Secrets to Grow Your Consulting

You are a high quality coach. When you think using that mindset, you send out that kind of energy to people. When you have confidence about what you’re doing, you are naturally going to attract people who are looking for a confident acting coach. When you do consulting work, it’s necessary for you to be sure about your process and what you’re doing. When you write your high quality article marketing articles, your confidence and experience come shining through. Uncover six secrets to grow your high-priced consulting. By asserting yourself with your high-priced consulting, you are naturally going to attract educated people. If you enjoy working with educated, career-minded, people continue reading to see how to work with them.

1. When somebody experiences a problem, and you know the answer to completely solving that problem, you’re talking about the core of your high-priced consulting. If you’re the type of person who likes to solve problems for a specific niche market, high-priced consulting may be for you. If you’re a confident thinking person, you understand that in order for people to achieve goals they need a proven, tested process to achieve those goals. That’s what consulting and coaching is. You take a process and you show people how to apply that process to their particular problem so that they can completely solve it. You are tutoring them. You are teaching them. That is the service that you are providing.

2. Where would the world be without teachers? We are very lucky that there are people in the world who feel confident teaching. You are one of those people who feels confident enough in your niche market to teach. And of course teachers must be paid. You are providing a valuable service.

3. One of the keys of being able to work with a lot of high ticket clients is by building your list. You build a highly responsive list by using a squeeze page. This squeeze page forces only genuinely interested prospects to get information from you and then you get their name and e-mail address. It’s very important to build your list and to write your free e-book.

4. As a high-priced consultant, you can only work with people who can afford you. But in order to find those people, you’ve got to look for them. Believe it or not they are already looking for you. So as they read your articles they will find you. Remember to do your article marketing articles often and routinely publish them.

5. After you get information on your squeeze page, people are going to be downloading a free e-book. Make sure your e-book has quality information.

6. A quality e-book contains information helpful to your target market that provides knowledge to partially solve his or her problem. The rest of the problem is solved by you in your coaching sessions. Remember, in order for you to get clients you have to give them a lot of useful, relevant information that helps your clients.

HR and Payroll Consultants – Ease Your Burden

HR and payroll consultants can ease your burden if you’re an employer or a business owner. They can make your work more focused on the core tasks when they help you with your HR tasks or even take over your human resource responsibilities.

PEOs or professional employer organizations consisting of HR and payroll consultants generally assume responsibility over your employees through a co-employment relationship. Employers control them at the workplace, but the PEO has the responsibility of recruiting and selecting them, administering their benefits, motivating them for better performance, ensuring their safety and that of the workplace, maintaining employee relations, processing payroll, processing workers’ compensation claims, managing employer risks and employer liabilities, assisting in employee termination, unemployment claims administration, and more.

In other words, employers don’t need to think about managing employee-related issues, but only focus on their business and increase productivity and earnings. There’s no better way to streamline your business processes than by entering into a partnership with a PEO for one or few of the HR tasks such as payroll or employee benefits, or for outsourcing all the HR responsibilities.

PEOs also offer consultancy services through their HR and payroll consultants. They offer innovative solutions and provide assistance in making HR administration easier. HR and payroll consultants can suggest the right policies to minimize employer risks, and even offer training in liability management among other services. Managing and minimizing risks, accurate calculation of tax, ensuring federal and state regulation compliance are some of the other responsibilities PEOs and HR and payroll consultants can help you with to ease your burden as an employer.

How to Hire a Good SEO Consultant

The importance of choosing the right SEO is greater than many of us can imagine. Search engine optimizing is what keeps your site indexed and ranked by search engines and ensures you a good amount of traffic. Without it, your website is either dead, or struggling for survival, hoping to be noticed.

The area of SEO is very complex and it’s permanently extending. New companies and consultants seem to appear out of the blue. SEOs use a wide variety of search engine optimizing tactics, with different efficiency levels. Consequently, before hiring an SEO consultant, it is very important to make sure you’ll be getting what you need. Apart from what you’ll be able to find out from the SEO itself, you can also perform a previous research on your own.

Things to find out on your own

o Find out for how long has the company been in business. This should be listed on their website.
o Search their website for previous projects to find out whether they have a marketing related experience.
o A reliable company also has client testimonials and case studies to prove they are able to keep their customers satisfied.
o Be skeptical with companies that email you out of the blue to advertise their SEO services.
o Beware of SEO companies that claim they can provide a #1 ranking guarantee. Ranking is determined by many factors that are beyond the SEO’s control.
o Beware of SEOs that claim they have a priority submit or special relationships with Google or other search engines. There’s no such thing.

Things to ask the SEO consultant

Do they include link building in their SEO services?

A professional SEO consultant doesn’t limit to building keyword rich content, but also incoming links from relevant website to increase your PageRank.

What are they doing for website conversion enhancement?

A high traffic is meaningless unless your website provides what the users are looking for. A good SEO consultant uses several conversion enhancement techniques, such as copywriting strategies, site usability, call to action tactics and advanced conversion reporting.

Do they help you with calculating your ROI (Return of Investment)?

SEO services can be quite expensive and you need to calculate your potential returns. ROI depends on various factors, such as target population, size of your market place, the sales value of your services and the number of people searching for them on the Internet etc. An experienced SEO should be able to help you predict your ROI.

Do they use SEO best practice and anti-spam methods?

There are many SEOs that use various strategies to trick search engines in thinking your page is more relevant than it actually is. No SEO consultant will admit to using spamming and other unethical strategies, so you can’t ask him the question directly. However, ask as many questions as possible about the methods they will be using and make sure you receive straight answers.

Do they put a limit on the number of search phrases?

Many SEOs have a limited number of phrases they will optimize for. However, if you’re paying a monthly retainer to the SEO Company, they shouldn’t do this. Even though there are a few phrases more important than others, the rest shouldn’t be neglected either.

The first thing a good SEO consultant will do is perform an analysis on the current state of your website and provide a Website Analyzing report. Further analysis should be performed on a regular basis and your website traffic should be permanently monitored. A professional consultant understands the difference between bulk traffic, getting to your website for irrelevant keywords, and qualified traffic. Making the right choice will provide you with qualified traffic, as well as well-structured pages and a high usability level.

Copyright © 2006 Andreas Obermueller

Why Should You Hire A Construction Consultant?

As you are probably aware of, construction is a long and complex process with the difficulty level and risk of failure increasing as the job gets bigger. As the construction manager, it is your responsibility to oversee every aspect of the project from planning to eventual turnover, and to ensure that the project goes smoothly. Your job is a particularly crucial one, and even small mistakes can be costly.

A construction consultant can be crucial to your operations, providing essential services that will make the project go smoothly and reduce costly mistakes. Among some of the services that construction consultants are routinely expected to provide are:

• Project planning
• Quality management
• Construction safety

A commercial construction project of any size will require thorough planning. By having a solid plan in place, you will greatly increase the likelihood of getting the results you want while reducing the risk of costly errors or safety issues. It would be helpful to hire a construction consultant at the very start of the planning process. Most such professionals are trained engineers, and they will be able to help you come up with a construction plan that meets your specifications and fits into your budget. This is an especially important concern, since most construction projects have very strict budget constraints.

Aside from budget concerns, quality is another important factor. As the construction manager, you will have to ensure the integrity and durability of the structure. It is especially important to pinpoint problem areas as early in the construction project as possible, as they can be costly and even life-threatening when left undetected. A construction consultant can be helpful throughout every stage of the construction process, identifying potential problem areas and suggesting possible solutions.

Safety assurance is another area where construction consultants can be invaluable. In any construction project, there is always a high degree of risk which again increases with the size and complexity of the project. By working with a construction consultant experienced in the various aspects of risk management, you will help ensure the safety of the construction personnel and everyone involved in the project.

A construction consultant is a highly specialized professional who is well-versed with various aspects of the construction business. Although the costs of hiring such a professional may seem superfluous and unnecessary if you already have a considerable number of projects under your belt, don’t neglect the benefits that such a professional can provide.