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DID YOU KNOW?

	They say you can't tell a book by its cover, but the truth is, everybody does. You notice a book, pick up a book, even buy it because of the way the cover looks. You could say the same thing about the building you work and/or live in. The way your home or business looks can have a huge impact on the way others see you. If your business is in an attractive building, customers will think of you as successful. That could in turn mean you are a top expert, you provide great service, and you have been in business a long time. A whole host of positive assumptions could hinge on how your building looks. As a result, you could get sales a lot easier, count more return customers, even be the business the newspaper and TV stations contact when they need an expert in your industry. And I don't have to tell you how great a nice looking home can be. An eye-catching, professional design can impress your friends, raise the value of your home and neighborhood, and make you feel better just being there. Here are some top inexpensive ways you can quickly improve the appearance of your home or business: * Paint. A couple of coats of new paint can make a home or business look 10,000 percent better. Ask the people at your local paint store for ideas on colors and types of paint. You can get some great ideas through a short conversation about what has been working for others. And new paint can greatly improve morale in your business. Wendy's founder Dave Thomas made painting his first priority when taking over a restaurant. * Landscape. Professional looking landscaping can make a remarkable difference in the appearance of your building. Expensive colleges often put a great deal of time and budget into making sure their grounds look exceptional. Why? Because studies show that's what parents (who pay their kid's tuition) most notice when they visit. The same is true for just about any home or business. * Trim. This is one very important area the average person tends to miss. Pick just about any period of architecture or design and you'll find trim is a major component. Today -- in the rush to get buildings up at an affordable cost -- quality, attractive trim is frequently left out of the mix. Not to worry, there are many types of trim, one surely being perfect for your building. Many can be applied easily by non professionals. If you live in an area like I do, where stucco is popular, make sure you use a trim that is designed for that type of construction.

100% mortgage financing can help you buy a house with little out of pocket expense. So whether you are a first time homebuyer or an investor, you can easily purchase a home. But not all zero down mortgages are the same. So you need to be careful in compare financing offers and finding terms that best meet your budget goals.

Reasons To Pick Zero Down Mortgages

Zero down mortgages are ideal for those renting but who want to get into a house with little cash. For the same amount you pay on rent, you can build home equity through appreciation and principal payments. 100% mortgage financing is also an option for those looking to buy a house as a second property or as an investment. Without tying up a lot of capital into a down payment, you can secure financing with reasonable rates.

Difference In Zero Down Mortgage Terms

Lending companies treat “zero down” mortgage terms differently. So it is important that you know what kind of contract requirements you are agreeing to. With 100% financing, you are still required to pay for closing costs, which can add up to thousands. The advantage to these terms is that you have a good idea of the cost of fees. You also have the opportunity to lower rates or change terms by paying additional points at the signing. Loans that require no money at closing are often called 102% mortgages. Closing costs are still charged, but they become part of the principal. So your loan amount is greater than the property’s selling price, up to 5%. You will also be paying interest on the fees.

Finding The Lowest Costing Financing

It is especially important to look at the APR number when comparing “zero down” financing. With this number you can determine the real cost of the loan, regardless of when closing costs are paid. When analyzing costs, take a look at the fine print to determine when application fees are due. Also consider that you may have to pay premiums for PMI if you choose a conventional loan. Subprime lenders waive this requirement in most cases.