The Net's Largest Selection of House
largest selection of house plans available on the
web coupled with the best customer service - live
customer service reps standing by to help you from
6 am to 6 pm EST. A one-two punch that makes this
the only house plans site you will ever need. Also
visit our house building tools page for lots of
terrific (mostly free) useful resources.
or Building a New House – Your credit scores
could cost you tens of thousands.
If you are building a home or just buying one, you’d better check
your credit score. Why? It’s simply really. Your credit score significantly
impact your ability to borrow money. Erroneous or old entries on your credit
report could result in higher mortgage rate., which in turn could result
in tens of thousands of dollars of extra interest payments over the life
of your loan. Worse still, these erroneous entries could result in you
being UNABLE to get an loan at all. Don’t let your credit history
become a headache in your new home building process. Check your credit. Get
your free credit report today.
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Hot Tubs are offering up to $900.00 in cost savings discounts for House-N-Home-Building
Save Tens of Thousands and Cut the term of your loan 5-7 years
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payments will save you tens of thousands in interest payments and cut
the term of your loan by 5-7 years. Here are a few other advantages:
Builds equity in your house 2-3 times faster, lowers your loan’s
effective interest rate, eliminates the need to pay mortgage insurance
(PMI) sooner, enrollment requires no changes to your current mortgage,
and you can select the convenience of an automatic debit from your
here to find out more.
The New House Building Guide – Learn How To Save Thousands
Building Your New Home
Intimidated by the idea of being your own builder? You’re not alone.
Most people don’t have the time, expertise, or contacts to perform
this task. The good news is that you don’t have to. You can use your
own builder and still save thousands. Get the House Building Guide and
learn how. The Guide contains step-by-step instructions, sample specifications,
an example building-contract, and dozens of money saving, convenience and
healthy house building tips. This is an indispensable resource for
anyone interested in building a new home.
Owner Builder Financing and Construction Support
Are you considering being an owner-builder, but are intimidated by the challenge
of managing the process and finding financing. If you have the time, commitment
and dedication to be an owner builder then you should
definitely contact us. We offer 100% financing, a one-time close, no
points, no interest payments during the building process, and
construction support while you build. And best of all, when you are
done, you will have earned, through your hard work, 25,000 - $75,000
of equity in your new home. For a no cost consultation, please complete
the form found on our website, and someone contact you about this
Why should I care about possible errors in my
While a good credit report can help you, errors in your credit report can cost
you money. The General Accounting Office of the U.S. Congress (GAO) has stated
that accurate credit reports are critical to the credit process – for consumers
attempting to obtain credit and to lending institutions making decisions about
extending credit. Similarly, the Federal Trade Commission has told consumers
that, because businesses use credit report information to evaluate consumers’ applications
for credit, insurance, employment, and other purposes allowed by the Fair Credit
Reporting Act (FCRA), it is important that the information in consumer credit
reports are complete and accurate.
Industry officials and studies indicated that credit report errors could either
help or hurt individual consumers, depending on the nature of the error and the
consumer’s personal circumstances. Although the GAO recently concluded
that there was insufficient evidence to indicate whether significant errors were
common or rare in credit reports, it did conclude that a good way to help ensure
the accuracy of credit reports is for consumers themselves to review their own
If there are mistakes in your credit reporting costing you money, only you are
in the best position to discover them and do something about it. You may think
you have great credit and don’t need to worry about it, but you may be
surprised at what is in your actual credit report. Your report may show late
payments that were actually made on time. Or it may fail to show positive information
about your credit, such as accounts that you have always paid on time.
On the other hand, your report may be completely accurate. Unless you check it
yourself, you may not know. For that reason, Congress has urged all Americans
to check their own credit reports in order to look out for potential mistakes
that could be costing them money.
Can I demand to know what’s in my credit
Yes. If you contact any of the major credit reporting agencies listed above,
they must give you the information they keep on file about you.
What do I need to know about free credit reports?
There’s no charge for a credit report if a company takes adverse action
against you, such as denying your application for credit, insurance or employment,
and you request your report within 60 days of receiving the notice of the action.
The notice will give you the name, address, and phone number of the credit-reporting
agency. In addition, in a few states you’re entitled to one free report
a year. Otherwise, a credit-reporting agency may currently charge you up to $9
for a copy of your report. Based upon new legislation, which will be fully implemented
later this year, everyone will be entitled to receive, upon request, one free
credit report, per year, from each of the credit reporting agencies. Since information
in credit reports changes frequently, the federal government and credit expert’s
advice consumers to check their credit reports regularly, even if they have already
been provided an earlier report during the year. Even if you have not been denied
credit or insurance, you may want to see the information in your credit report.
Some financial advisors suggest you review your credit report for inaccuracies
or omissions, especially if you’re planning a major purchase, such as buying
a home or a car. Checking the accuracy of the information in your credit report
could speed the credit-granting process
What is the Fair Credit Report Act?
In 1970, Congress passed the Fair Credit Reporting Act (FCRA). The FCRA limits,
among other things, the occasions on which a company may receive a copy of your
credit report. It also requires the company, if it takes adverse action against
you based in whole or in part on information in your credit report, to tell you
of its decision. The company must also tell you the name of the credit-reporting
agency that provided your credit report to it, and information on how to contact
that credit-reporting agency. The company must also advise you of your right
to obtain a free copy of your credit report that was used to take adverse action
How can I fix errors in my credit reports?
Additional information about these topics is available at the website www.ftc.gov
In general, you may notify a credit-reporting agency that there are errors in
your credit report and provide any documents you have to support your position.
Under the law, the agency must conduct an investigation into the accuracy of
the information. This includes contacting the source of the information that
you believe is incorrect and obtaining verification. Generally, the agency has
30 days to investigate. After the agency completes its investigation, it has
five days to report back to you. If the agency can’t verify the negative
information, it has to delete it. If the negative information stays in your file,
you have the right to have it marked as disputed information.
Where can I get more information about my rights
concerning my credit report?
You can find helpful information at the following locations: http://www.ftc.gov
Federal Trade Commission website); http://www.naca.net
website for the National Association of Consumer Advocates); or http://www.nclc.org
website for the National Consumer Law Center).
4. Thought For The Day -
If there be any truer measure of a man then
by what he does, it must be by what he gives.