Scottie Watts

Scottie Watts

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Scottie Watts Free Articles

The Down Payment what you can expect

A down payment is money that the buyer must pay up front to buy a home. When a person takes out a mortgage the lender or bank in almost all cases will require that the person borrowing the money make a down payment.

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First Time Home Buyer Loan: the basics

First time home buyer loans allow buyers to get into a house more easily. However, just because you’re a first time home buyer doesn’t mean you should use a first time home buyer loan. These programs have restrictions and strings attached. While they are a perfect fit for some, first time home buyer loans are the wrong choice for others.

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How to Decide if an ARM Is Right for You

An adjustable rate mortgage, called an ARM for short, is a mortgage with an interest rate that is linked to an economic index. The interest rate, and your payments, are periodically adjusted up or down as the index changes.

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Mortgage Closing Costs

This article describes what the common closing costs are when finalizing a mortgage.

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Two mortgage terms everyone should know

This article discuses two mortgage terms that every one looking to find a mortgage should understand, amortization and private mortgage insurance (PMI).

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Is A Debt Management Plan Right For You?

This article discuses some of the basics of debt management plans and what you should be wary of.

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How To Choose A Credit Counselor

If you have high debt, are worried about your bills or debt collectors, and have trouble controlling your debt alone you may want to use the services of a credit counselor.

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How to stop collection calls and other things

This article will tell you how stop calls from debt collectors. It also discuses other annoying activities that debt collectors can not do. And lets you know your options when dealing with unscrupulous agencies.

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