Month: February 2009

Ways To Obtain A Free Mortgage Quote

One of the key components to becoming a homeowner is affordability. This affordability can be realized by having a good credit rating, a substantial down payment and sufficient annual income to afford the size of home that the individual desires. Ultimately, affordability is determined by the best mortgage that the potential home buyer can negotiate.

Therefore, there are many ways that an individual can obtain a mortgage quote and ensure that the offer made is a free mortgage quote. Those ways of obtaining a free mortgage quote are through the Internet and through a mortgage broker.

Internet Free Mortgage Quote

One of the most convenient ways of obtaining a free mortgage quote is by utilizing the Internet. This is because there are many financial institutions that streamline the mortgage application process through the use of the Internet. This process not only helps facilitate the application process by allowing the individual to apply online, but allows the applicant to make that application at a time during the day or night.

In addition, by utilizing the Internet, the Internet financial institution can help to keep their costs at a minimum. This is due to the fact that everything is done electronically and does not require, for the most part, the use of extensive overhead or individuals on payroll. Often this cost savings is passed on to their customers and potential customers.

Also, the individual can utilize one other type of Internet website. Those websites will help the individual applying for a mortgage to enter the pertinent information and then within a certain timeframe the Internet Company will provide a minimum number of free mortgage quotes. This is extremely beneficial as the Internet site will have done all of the homework and inquiries to find the possible mortgage lender based on the criteria that was imputed by the customer.

Mortgage Broker

Another possibility for an individual to utilize in regards to obtaining free mortgage quote is by contracting with a mortgage broker. Sometimes this can be done by the individual themselves or it can be through an arrangement set up by the individual s realtor.

A mortgage broker simply works with lending institutions to try to arrange the best mortgage for their customer based on the individual s mortgage needs. Those mortgage needs include the actual amount of the mortgage being considered, the individual s credit score, the amount that the individual can put down as a down payment, etc.

In addition, if the mortgage broker is so directed, they will provide a number of options that the customer can choose from. Those options can include a fixed mortgage quote, adjustable rate mortgage quote, combination mortgage quote, etc.

Fun Ideas in Homemade Halloween Costumes

Creating a Halloween costume, whether a children’s or adult’s Halloween costume, does not have to cost the individual a lot of money. There are homemade Halloween costumes that can be made from materials that are found around the house and can turn out to be the hit of any Halloween party. Imagination is the most important tool to use when creating these Halloween costumes, since it takes more thought and planning than simply going to a costume store and buying a pre-made costume.

Materials and Tips

There are some homemade Halloween costumes that can be made from boxes. Individuals can become a playing card by simply painting whichever playing card design and color is desired on both sides of the box. Another homemade Halloween costume idea is to make a race car out of the box by painting it red and thumb tacking paper plates onto it for the wheels. A computer is another box costume idea where the main box will be the computer screen by painting it a light color and then painting a black screen on it. Then a shoe box lid can be tacked to it, on which the individual has painted or drawn a keyboard.

There are other homemade Halloween costumes that can be made out of other materials that are around the house. A butterfly costume or other insect can be created simply by the individual wearing a pair of black sweatpants and a sweatshirt for the body. A headband can be used to attach pipe cleaners to it for the antennas, with some fluffy pom-poms in whatever color is desired attached to the ends of them. The wings of the homemade butterfly Halloween costume can be made out of poster board, one piece for each wing. The wings should be drawn onto the poster board, colored in with different designs, and then cut out. Holes should be punched in the top and bottom of the wind so that they can be tied together with black string, and then another piece of string can be placed through the holes to tie it to the chest and waist.

There is an interesting bat costume that can be made as a homemade Halloween costume. All that is required is a pair of black sweats and a black umbrella. The umbrella should be torn in half and the stem of the umbrella is discarded. This creates the two wings which can be safety pinned to the back of the sweatshirt.