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  • Guide to Reverse Mortgage

    Attorney Tommie Harsley's Guide to Reverse Mortgage

    Managing finances is hard at every age, but it gets especially tough if you’re retired and learning to abide by a very strict budget. More often than you think, people underestimate the amount of money needed to live comfortably after retirement and find themselves in a bit of a pickle financially. If this is something that you’re struggling with, then you may want to consider applying for a reverse mortgage.

    reverse mortgage is basically a loan against the value of your home that you don’t have to pay back until you die or move out of the house. The loan is paid out in monthly installments and can really help supplement your income if you’re on a fixed budget. Not only that, but the interest on the loan is not tax-deductible like it is with a regular mortgage, so it’s quite beneficial from a financial standpoint.

    Applying For a Reverse Mortgage

    Step 1 – Submitting the Initial Application

    The first step in applying for a reverse mortgage is to submit an initial application. This can be done online, over the phone, or in-person at a lending institution. You’ll need to provide basic personal details and information about your home. Once you’ve submitted the initial application, a loan officer will contact you to discuss your options and answer any questions you may have.

    Step 2 – Getting Counseling

    After submitting the initial application, the next step is to get counseling from an approved counseling agency. The government requires this particular step to make sure that you understand all of the implications of taking out a reverse mortgage. The counseling session will last about an hour and can be done over the phone or in person.

    Step 3 – Appraisal

    According to Attorney Tommie Harsley, the next step is to appraise your home. The lender will usually pay for this, but it’s important to make sure that you get a professional appraisal so that you know how much your home is worth. This will determine how much money you can borrow against your home. Read more.

  • Finding the Right Contractor for Your Home

    Finding the Right Contractor for Your Home

    Our homes are the one place in the world we can call our own – a safe space amidst the hustle and bustle of our fast-paced lives. It’s a place to relax, unwind and recharge after a long day. Creating a home that reflects our personal style and makes us feel secure and comfortable is important to our overall well-being. This is precisely where a contractor comes in.

    contractor is a professional who is hired to complete a specific task or set of tasks, usually involving construction work. Whether you’re planning a home renovation or building a new home from scratch, it’s important to hire a contractor you can trust. A good contractor will be able to take your vision and turn it into reality while adhering to your budget and timeline. Finding the right contractor may feel confusing, but fear not, for Attorney Tommie Harsley is here to help. Read more.

  • Guide to Extended Warranty

    Attorney Tommie Harsley's Guide to Extended Warranty

    Of the many assets we own, one of the most is our car. In today’s economy purchasing and maintaining a vehicle is no easy task. It becomes even more difficult when one has to deal with the unexpected costs of repairs. An extended warranty for a car can be a great way to help offset these costs and decrease your financial burden. However, Attorney Tommie Harsley believes that it’s important to understand what you’re getting before signing on the dotted line.

    The Facility of Extended Warranty

    What Is an Extended Warranty?

    An extended warranty is a type of service contract that helps cover the cost of repairs or replacement parts for your car beyond the manufacturer’s warranty. The dealership offers many extended warranties at the time of purchase, but there are also a number of companies and third parties that provide them independently. Read more.

  • Guide to Consumer Financing

    Attorney Tommie Harsley's Guide to Consumer Financing

    At the end of the day, the most critical aspect of any business is its sales – the higher the sales, the bigger the profit and the larger the growth. Companies often try to grasp customer attention and boost purchase rates by offering consumer financing – a facility that allows customers to buy now and pay later.

    While it may initially seem like a good idea for businesses, Attorney Tommie Harsley empathizes that it’s essential to be well aware of the different types of consumer financing before offering it as an option to customers.

    What is consumer financing?

    In simple terms, consumer financing is a loan an individual takes out to purchase goods or services from a business. It’s generally seen as a way for people to spread the cost of an expensive purchase over a period of time, making it more affordable in the short term. Read more.

  • Factors to Keep In Mind When Purchasing a Car

    Of the many assets we own, our car is perhaps the most important. It helps us get to work, school, and the store. It also allows us to travel to different places. Without it, even the most mundane tasks of everyday life would become a hassle. In this fast-paced world, owning a car is no longer a luxury but rather a necessity.

    However, cars are also a big financial responsibility. They require regular maintenance, repairs, and gas money. They can also depreciate in value over time if not taken care of properly. Therefore, Attorney Tommie Harsley believes that it is vital to thoroughly research and analyze your options before finalizing your decision. Here are a few things to keep in mind.

    5 Things You Should Consider Before Purchasing A Car

    Your budget

    According to Attorney Tommie Harsley, people often underestimate the costs that come associated with owning a car. When purchasing a new vehicle, you must not only keep in mind your current budget but long-term costs of ownership, like fuel, repairs, and maintenance expenses. Read more.

  • Tips for Signing a Lease

    Pastor Tommie Harsley's Tips for Signing a Lease

    No matter the subject, signing a contract of any kind can be quite intimidating. After all, it’s a huge life step that comes with a lot of responsibility – and it can be difficult to know what you’re getting yourself into.

    When it comes to signing the lease for your house, even a small error can lead to big consequences down the road. Therefore, it is vital to know precisely what the contract states, demands and offers before you proceed to sign it. Pastor Tommie Harsley emphasizes that even the smallest queries should be resolved before one signs on the dotted line.

    Consider before Signing a Lease

    Read the fine print

    Before signing any contract, you must take the time to read and understand all the terms and conditions. With a lease agreement, this means being familiar with things like the length of the lease, monthly rent amount, late fees and penalties, etc. Don’t be afraid to ask your landlord or leasing agent questions if anything is unclear. Read more.

  • Guide to Purchasing a Car

    Pastor Tommie Harsley's Simplified Guide to Purchasing a Car

    Purchasing a new car is a long-term commitment and one that should be made with careful thought and thorough research. It is vital that the option you choose fulfills all your needs and gives you the comfort you desire. However, Pastor Tommie Harsley understands that the process of purchasing a new car may feel intimidating to a beginner.

    9 Steps to Purchasing a Ca

    Step 1 – Do your research

    Before you even start looking at cars, it’s important to do your research and know what you’re looking for. Consider aspects like budget, size, fuel efficiency, safety features, and any must-have amenities. Once you have a good idea of what you need, you can start narrowing down your options.

    Step 2 – Get pre-approved for financing

    If you’re planning on financing your new car purchase, getting pre-approved for a loan is a good idea before heading to the dealership. This will give you a better idea of how much car you can afford and avoid any awkward conversations about financing at the dealership. Read more.

  • Reverse Mortgage

    Reverse Mortgage

    Keeping up with finances in this fast-paced era is no easy task. It is especially difficult if you’ve retired and are trying to survive on a very strict budget. Under such circumstances, even a little bit of help can go a long way. A reverse mortgage is one option that can ease your financial stress and help you stay afloat. Most senior citizens remain unaware of this opportunity, but Pastor Tommie Harsley emphasizes that if used correctly, this facility can significantly help lower your burden.

    Reverse Mortgage

    What Is a Reverse Mortgage?

    A reverse mortgage is a loan that allows senior citizens to borrow against the equity in their home, allowing them to receive funds as a lump sum, fixed monthly payment, or line of credit. The loan does not have to be repaid until the borrower dies, sells the property, or permanently moves out of the home. There are several types of reverse mortgages, but the most common is the Home Equity Conversion Mortgage (HECM) –  insured by the Federal Housing Administration (FHA). Read more.

  • Mistakes to Avoid When Buying a House

    Mistakes to Avoid When Buying a House

    Our homes are the one place on earth we get to call our own – a safe haven amidst the hustle of our hectic lives. Therefore, we must choose our homes carefully, as this is the place we return to at the end of a tough day. There’s a lot to think about if you’re in the market for a new home. But with careful planning and research, Pastor Tommie Harsley believes you can avoid some of the most common mistakes people make when buying a house.

    Common Mistakes People Make When Buying a House

    Not getting pre-approved for financing

    Pastor Tommie Harsley emphasizes that one of the first steps you should take when shopping for a new home is to get pre-approved for a mortgage. This will give you an idea of how much money you can borrow and what your monthly payments will be. It also shows sellers that you’re serious about buying their home. Without pre-approval, you might miss out on your dream home or pay more than you need. Read more.

  • How to Find the Right Home

    How to Find the Right Home

    Amidst the hustle and bustle of our hectic lives, the one place we can always count on for peace, calm and quiet is our home. It is our safe space where we can relax, unwind and just be ourselves. So, it’s no wonder that finding the perfect home is such a top priority for so many of us.

    The problem is, with such a wide range of homes on the market, it can be tricky to know where to start your search. Do you want a traditional family home? Or something more modern and minimalist? Perhaps you’re looking for a fixer-upper that you can put your own stamp on? Whatever kind of property you’re after, Pastor Tommie Harsley is here to guide you. Read more.