Some closing costs - such as taxes, title and prepayment of mortgage premiums - are unavoidable and non-negotiable. However many costs are applied by your lender and can vary greatly - such as application fees and document fees. Compare costs and negotiate just like you would any … [Read more...] about Negotiate your closing costs
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Don’t look past key disclosures, and use them to negotiate for additional savings
Get the seller's disclosure and review it for known problems. Ask an agent's advice for how to effectively negotiate on those items - in some cases you might be able to get money back and then handle getting the items fixed on your own.A LOZO expert posted this tip. … [Read more...] about Don’t look past key disclosures, and use them to negotiate for additional savings
Figure out how desperate the seller is to gain a negotiation advantage
Put yourself in the seller's shoes when you learn about what situation they are in. How much did they pay for the house, and are they going to make money on the sale? How much do they still owe, so how much will they put in their pocket? How much have similar houses in the … [Read more...] about Figure out how desperate the seller is to gain a negotiation advantage
Rack up free cash and bonuses with multiple new credit card accounts
This tip is not appropriate for someone with bad credit scores, lots of debt or a shaky loan, or who has trouble keeping their spending in line. But for the brave and credit strong who have solid financial "self-control" there are potential ways to rack up lots of cash … [Read more...] about Rack up free cash and bonuses with multiple new credit card accounts
Need a new credit card? Start here to compare rates, rewards and more
While getting approved for a credit card is harder than it used to be, there is still a wide variety of offers out there. If you want 0% balance transfers and no annual fees, you can find that. If you want cash (or airline miles or points) back on each purchase, you can find … [Read more...] about Need a new credit card? Start here to compare rates, rewards and more