Sunday, August 26, 2012

On-line Instantaneous Auto Loans Are Accessible At Low-cost Charge

If it is your intention to buy a new car online it is also wise to shop for the very best auto mortgage financing available. The Web has made it simple to search out an auto mortgage online. There are a lot of websites that may evaluate charges from a number of lenders who will allow you to apply to your auto mortgage on-line that may allow you to find one of the best auto loan on your situation. Whenever you shop for a car loan online, you will get several offers. A few of the sites that allow you to apply for an auto mortgage on-line work with a selected community of dealers. Once you apply for a automotive mortgage on-line, make sure you complete the appliance utterly and accurately. Finding an auto mortgage on-line is only a matter of some clicks. Quickly you may be driving in model, with the very best deal you discovered by getting your auto mortgage online.

These days are gone, as are the pathetic wait instances related to standard auto loans. Immediately, the World Vast Net has opened up a completely new avenue by which to acquire an auto loan. Simply consider on a regular basis you'll save by not having to get an auto mortgage after you select your new auto.
Hundreds of individuals everywhere in the world are benefiting from auto loans online, why shouldn't you? Some auto loans will offer you a lower rate, while other may offer you longer terms in which to pay the auto loan off. Examine your particular needs earlier than deciding which auto mortgage will give you probably the most benefit.
Auto loans discovered on-line are very a lot comparable with regard to charges and phrases as these auto loans made obtainable by sellers, credit score unions and banks. Above all else, understand that when you're seeking an auto loan online, there are many online vendors waiting to answer your call. Auto loans online are becoming a popular way for people in right this moment's hectic society to safe funding with the intention to make a brand new auto buy, and save treasured time whereas doing it.

Primarily auto loans are taken for fulfilling varied automotive needs. Now neglect it and avail on-line auto loans immediately at low-cost rate.
On-line immediate auto loans are less time consuming, convenient and completely hassle free. The primary advantage of auto loans is these loans are easily approved. Moreover, by online looking, you will not only avail an auto loan immediately, however you're going to get this mortgage at cheaper rate. After approving your on-line auto mortgage utility, the speed of curiosity of your mortgage will likely be locked in not less than for thirty days. In that case, on-line auto loans generally is a good possibility for debtors which might be authorised immediately and obtainable at low-cost rate.

Saturday, August 25, 2012

Used Car Interest Rates - What You Need to Know

If you are thinking about getting a car, one of the most important considerations that you have to make is if you are getting a new car or a used one. New cars are really attractive because everything that comes with it is new. It also drives the way it should since it has no known defects or other problems that usually come with used cars. However, the most bothersome aspect of buying a new car is the price. It's really expensive, and it would surely bore a hole through your savings. So if you're not after the looks or the performance of a new car, then the best option for you is to get a used car. Of course, it would be unwise to pay for it in one go, so your problem now is where to find the best used car interest rates available today. This article will walk you through some of the things that you need to know about interest rates for used cars and hopefully help you with your future car purchase.

One of the things that you need to remember when you are buying used cars is that the interest rates for this should really be lower than the loan rates of a new car. Don't get sucked into a deal that puts you on the losing end, so you need to be wary of every offer that you're getting. The first used car interest rates that your dealer will give you might be interesting, but always take into consideration the new car loan rates. If you already have a prospective model in mind, what you can do is to research the corresponding interest rate first when it is still new. When you're already looking at the used version of your target model, make sure that you compare the used car loan rates with the rates for new ones. After all, nothing beats a buyer who did his homework, not even the best, sweet-talking car salesman in the country.

Other factors that affects used car interest rates

Aside from the age of the car, there are also other things that could influence the auto loan rates that you can get. One of these factors is your credit rating as a borrower. Since you're essentially borrowing the money intended to pay for your car, your credit rating is a big factor for the used car loan rates that you may get. If your rating is great, and your credit history is perfect, you can expect to get the best used car loan rates possible. If you don't think that you deserve the rate that you got, you can haggle and convince them that you deserve a lower used car interest rates with your credit score as proof.

Car loan rates could also be affected by the length of the loan term. If you want to get a lower used car interest rates for your purchase, you should be prepared to pay for the loan in the shortest time possible. This could be anywhere between two to five years; but at least, you'll be enjoying the lowest used car interest rates possible.

Wednesday, August 22, 2012

One Of The Most Dependable Car Title Loans Mart

Application for a loan would make one undergo different processes. There are still a lot of prerequisites to submit before the lending company starts to process one's loan. This is applicable also to loans for car title. Requirements from the loan mart would usually include: a fully paid car under your name, the model of the car, the individual's driver's license and some basic contact information about the person who's applying for the loan. A loan for car title also ask for the same requirements.

A certain number of title loans in Los Angeles guarantees loans but processes these very slowly. The individuals concerned will then feel impatient. The lending companies doesn't settle for little evidence and asks for plenty of requirements before they actually approve the loan. Some would even deny the loan of the applicant with a bad credit background. The dilemma of these people is finding the perfect lending company to consider giving them a loan despite their bad credit history.

A lending company is offering this loan termed as auto title loan. What's that? This is a type of loan where the car one drives is used as a basis of how much one can loan with a budget of as high as 000. The first process of this is that the lending company keeps the title of the individual's car. The individual will now pay his debt monthly and still keep the car, but without the title. When all of the payments have been settled, the title of the car will then be returned to the rightful owner. Is there really a lending company to offer this kind of loan?

The auto title loan is a lending company offering the benefits of an easy loan. The good news is that the person who wants to apply for a loan needs only to submit a few requirements. There are 3 basic steps needed to be undergone upon the application for loans for car titles and other auto title loans. First requires one to go online, visit their website and input necessary information. After the lending company has reviewed the individual's sent information, they will now assess how much money they can lend the person. Secondly, the individual will be asked to send important documents via the email or fax. Lastly, the individual can now claim the check in the lending company or be mailed if the individual prefers it that way.
Getting by rough financial times is one the struggles that man have to endure in this highly-demanding, fast-paced and cost-centered world. With sophisticated lifestyle and cost of living rising alongside, being threatened with impending pecuniary defeat can be unavoidable sometimes. To add insult to was is already an untoward situation is the harsh lending conditions that loan sharks implement. Good thing that the loan mart has not totally closed its doors to seekers of financial redemption - as funding alternatives in the form of auto title loans provide dependable cash advance source. In car title loans, everyone is afforded equal chances to request for financing notwithstanding the infamy of having discreditable credit scores. There is no invasion of credit history for the monetary value of the vehicle is a sufficient gauge.

In financial funding, credit histories have just been nearly about everything, but not in the case of loans for car title. With credit industries in the main streets imposing exceedingly stern policies, those whose credit ranks is viewed to be dire suffer limited chances of securing financial aid. But because the financing industry has remained fair and square amidst the expanding callousness of lending climate, anyone who enjoys the luxury of a car can be bequeathed with reasonable amount of financial loan.

If lending agency loans and loan for car title compared, the former is known for protracted processing, while the later with undeniable convenience. Because car title loans skip the meticulous process of credit evaluation and income verification, being granted with a loan can all happen in a breeze. However, this aspect of loaning is viewed by skeptics as one of the fiddly tactics of self-seeking lenders. As there are greater risks attached to credit rank-free money lending, usurers have the capability to impose perverse rates. But so long as borrowers put on their meticulous self, being victimized by concealed credit agreement schemes is far from possible.

Tuesday, August 21, 2012

Bank Checking Accounts For Bad Credit

The terms or laws applicable to the checking account you choose are determined by the servicing bank and are subject to the Federal Reserve's regulations. These rules may change as deemed necessary but your bank will be required to notify you of any significant change in terms. This commonly happens to changes in interest rates or fee changes made by the bank.

What Causes Bank Checking To Be Denied...

Because banking is a highlyregulated industry, an individual who hopes to get a checking account with bad credit may still be subjected to an approval process. This makes it difficult for people with a bad credit history or an negative entry under the Chex Systems to get a bank account approved.

The Chex Systems is an organization that maintains records for financial institutions on former or current account holders who have had or are having problems maintaining their account in good standing. Bounced checks are the most common red flag the Chex Systems records and remembers. What happens is that when you bounce checks at a high frequency or have an account that is overdrawn for an extended period of time, this information will be submitted to the Chex Systems and the possibility of your opening another account will be made more difficult in the future.

You may seek to take your name off the Chex System and fix your credit history in order to get a new bank account approved. If you want professional help to fix your credit reports check out our recommended bad credit repair services today.

Typically, the account holder's name will stay on the Chex Systems list regardless of the account settlement period. Being listed with Chex is not the end of the world though, banks needs new customers and seeks to keep existing account holders, so the possibility of opening a checking account is still available. There exist a number of checking account product offerings which are generally considered second chance accounts.

Providers of Bad Credit Bank Checking

The following companies provide bank checking accounts for bad credit people. In some cases the bank simply doesn't reference the Chex System or the bank specifically offers bad credit checking accounts:

Bank of America Advantage Checking Account
JP Morgan Chase Access Checking Account
Wells Fargo Opportunity Checking Account
Citizen Bank Second Chance Checking Account
PNC Bank Fresh Start Checking Account
US Bank Second Chance Checking Account

In addition there are a number of state specific local banks that offer second chance bank checking accounts for people with bad credit. These banks can be found referencing the state you live in and referencing their websites. Digital online banks are also enjoying an increase in popularity and a number include second chance checking accounts in their product offerings as well. The proliferation of these bad credit account types being offered in the financial market is in response to the growing demand caused by the recent economic challenges that have unfortunately left many people with bad credit. Credit Unions are adapting and offering second chance checking to meet the needs of their customers.

Second chance checking accounts have the following benefits and advantages:

They provide accounts holders the chance to rebuild credit reputation. Managing a household is tough, with a number of bills needing constant attention and access to a checking account helps with the accounting. While bills are being paid via check, atm or debit, account holder credit ratings can be improved. Using the bad credit checking account to pay your bills, as opposed to using cash, allows you to document responsible financial management. Proper credit building account management requires no bounced checks and other forms of returned payments due to insufficient funds. Penalties which may be charged such as overdraft fees need to be avoided.

Checking accounts for bad credit can be expected to have fees that are higher than regular checking accounts and they typically do not earn interest. This is the tough break businessside of getting flagged as a checking high risk account holder. For banks offering second chance accounts, they offset the additional risk with additional costs and less benefits. As an account holder you should make sure to remain compliant with the bank's policies, to stay in their good graces, and get a better checking account when you have fixed your reputation.

Monthly service fees are applicable and may not be waived or refunded. Bank's are simply less flexible with bad credit accounts. Free is no longer a financial staple when it comes to account maintenance costs for second chance checking. Fees may only be adjusted for these accounts if a bank error is found, though we recommend talking with your representative all the same, it won't hurt and helps build the relationship.

Second chance checking usually offers the option for an upgrade to a regular checking account after a trial period. With due diligence in proper account management, as an account holder you can eventually improve your credit and move up to the greater benefits of a normal bank checking account. For most banks, maintaining the account as expected and as stated in the terms and conditions can lead to the upgrade after a pre-determined period. The upgrade can also include your eligibility for a savings or other interestbearing accounts.

Second chance accounts have restrictions, there is no way around that. Your bank checking account may be classified as a checking account, but expect your second chance accounts to have limitations and not operate exactly as a typical checking account does. For example your bank may not allow you to issue personal check payments, your debit transaction amounts might be limited, and you might have a minimum daily balance maintenance requirement which can be a fixed amount before or after all debit activity. These restrictions vary per bank, it is important just to be aware and follow the rules.

Following a review of bank checking account for bad credit services, it is clear that what is created is a relationship of shared responsibility for both the bank and the account holder. The bank assumes the risk for permitting a customer to get an account despite any past mishaps. While you are empowered with second chance access to checking, but are expected to meet the responsibility, or to exceed expectations and rebuild your reputation to regain all the benefits a clean credit history can provide.

Final note of caution: In your search for a bad credit bank account, you may be asked to pay an application processing fee, do not. These fees are illigal and a sure sign that you are not working with a trustworthy, proven second chance checking provider.

Your new checking account will provide make you eligible for our recommended personal loans for bad credit that can deposit money into your account within hours of your completing the easy 5 minute online application. Check out our favorite offers for fast cash today...

Thursday, August 16, 2012

Monthly Horoscope April- Free Monthly Horoscope Predictions

Aries Monthly Horoscope: Charm,confidence and a large amount of self-belief are the ingredients that serve up success in your birth month.New ideas,innovation,leading from the front are your hallmarks.So, too are money and honey,and of course,good friends.

Taurus Monthly Horoscope: A touch of secrecy and clandestine activities,affairs,losses and expenses will have to be dealt with and journey's and travel too.Love makes it all worthwhile.

Gemini Monthly Horoscope:A Fine month. gains the realization of hopes and wishes power you ahead.Much socializing,entertaining and the enjoyment of true friendship and great companionship.

Cancer Monthly Horoscope: An almost ideal scenario for you this month, .Hopes and dreams come true,your ambition and focus are both are scoring hugely in the game of love.

Cancer Monthly Horoscope: From home to arena of love marriage or romance,if single will be a logical progression,in addition to relationship,your own creativity,leisure activities,children,hobbies are all sources of pleasure and satisfaction.

Virgo Monthly Horoscope: Listlessness,lack of energy and drive on the one hand and passion,excitement,sex make this a month of strange contrasts,pulls.Financial dealing,joint funds,loans too need time and energy.

Libra Monthly Horoscope: It's short and sweet this month-relationships, marriage ties,also trips and contacts.A touch of opposition spices it up.

Scorpio Monthly Horoscope:The fun times will come to as work takes issues like funds,debts,expenses,salaries and people issues like colleagues, pets,and health all comes together.

Sagittarius Monthly Horoscope:Relationships of all kinds will be high-lightened-romance,passion and creativity,children,love and marriage and your hobbies, leisure pursuits keep you busy, happy and excited.

Capricorn Monthly Horoscope:Older relatives,parents,in-laws, even ancestors will all be important once again. So also will your home and property.

Aquarius Monthly Horoscope:All the C's now. Contacts,communications,contracts,companions and company.New and valuable tie ups,bonds could emerge.

Pisces Monthly Horoscope: Extra money and much involvement in family matters will be the hallmarks this month.Good and added money makes everything go smoothly.

Monday, August 13, 2012

How to Locate and Choose a Real Estate Agent

Meet Realtors out in their open houses, never in their places of work. High-quality real estate agents spend very little time at their office.

Make certain the agent has sold several listings and has worked a few years at least. The run of the mill agent closes only about a couple of houses yearly. A lot more sales mean more knowledge in the business.

The best place to meet real estate agents is at open houses. Realtors get a lot of general house viewers, you won't be bothering them, and a good real estate agent will be pleased to meet and know you. The agent understands that the open house rarely create a purchaser for that property and use the open house as a medium to find home shoppers.

Another good approach is to contact the agent with whom a friend or relative has worked with. If this real estate agent produced positive results on behalf of a buddy, there is a good possibility they'll do the same for you personally.

Try to see if the agent is in demand. A hard-working, go-getter of an agent is better for you. Be careful, sometimes they're too busy. A realtor can only effectively work with more or less a six home buyers and a dozen home sellers at any given time to correctly commit the time required to a home buyer. If they refer you to an assistant it would be best for you to find another realtor who can commit their time to you.

It's always critical that the agent is experienced. Ask questions concerning stuff you have learned from your new-found awareness in real estate. If the realtor does not comprehend anything that you are talking about, it would be a better move for you to find a seasoned realtor. Local community knowledge is particularly crucial especially in urban areas.

Look how the Realtor's MLS® listings come up in searches. All listings from small to big should include great photos - this is often the first indication of a proficient real estate agent who understands today's demanding market.

Check the status of the brokerage or the real estate agent with their peers. You would like a real estate agent that can network and work agreeably with other real estate agents. Seasoned agents usually know the other real estate agents in the vicinity and retain positive working relationships with them. This often transforms into better dealings.

Confirm the references that a real estate agent has given you. Ask the other agents you meet if they know the other real estate agent and if she respects them as a competitor.

Ask how long your real estate agent has been working full time. It really is not that newer agents aren't capable, but it's a consideration in making a well informed decision. Lots of "skilled" real estate agents are not always the best option either. This is somehow essential especially if the real estate agent is not technologically updated or equipped.

Determine who the agent is contracted to work on behalf of, this is called a seller or buyer agency, the buyer or the seller (a real estate agent selling a house nearly always works for the trader and tend to spin things a vendors way)

Ask "How will you inform me about my home sale? How often will you send me updates?" Will you inform me by email, phone or mail? Again, this is not a question with a correct answer. You can ask anything and pick the one who can best work with your given situation.

You should examine numerous houses around the same neighborhood on open house day, that way you will be able to get familiar with house prices in that neighborhood. This may help ensure you aren't being entirely fooled when you decide on a real estate agent.

Choose a Local Market Specialist. You'll find professionals that focus in specific neighborhoods. Even if you have got a realtor that you love, you might be better off with a real estate agent who knows the area well, and will be able to advise you about any concerning market conditions that an outsider might not be aware of.

When buying a property you will want to work with a Buyer's Agent. By doing this you're certain that the Agent will represent your interest in the deal. When you are a home seller, you should work with someone that's knowledgeable in representing the vendor and securing the best qualified home buyer helping you get the most for your listing. Not all real estate agents are specialists in working with home buyers or home sellers, so you need to ask the agent on what their expertise is.

Thursday, August 9, 2012

Millionaire Habit 4: Delayed Gratification

What keeps most people from becoming rich is the habit of wanting instant gratification.

Instant gratification is the habit of always wanting to enjoy now and not having the patience to wait for future benefits.

As a result, these people spend a lot more than they invest.

By spending on that new car, new widescreen television set or designer watch they get instant gratification.

When it comes to investing in books, seminars, stocks or insurance products, they will think twice as they have to wait for future benefits.

It is precisely for this reason that whatever money comes into their hands will soon be frittered away and not multiplied.

People who want instant gratification will always look for quick and easy ways of making money rather than building a sustainable business that adds value to (repeat) customers.

They tend to cut corners on quality and deliver shoddy products to save money and boost short term profits. As a result, their profits rarely last and they will soon go out of business.

At the same time, those who desire instant gratification lack the patience to allow their money to grow and compound through investing.

When they don't see huge sums of money in a few weeks, they abandon their investments and never get to reap the benefits.

They have no patience to wait for the seeds they sow to grow into huge money trees that bear fruit.

On the other hand, all millionaires adopt the habit of 'delayed gratification.' They have the patience to wait for greater abundance in the future.

Whether in business or in investments, you must have delayed gratification in order to create massive wealth.

People with delayed gratification invest a lot more than they spend. Again, they know that by spending a dollar, they may feel good for an instant, but their future wealth will be destroyed.

When it comes to spending money, they are extremely frugal. However when it comes to investing, they do not think twice about writing a check for a few thousands dollars.

They know that through patience, that money will multiply into a future fortune.

Millionaires never take shortcuts in business. They look at always giving the best value to their customers, even if it means earning less at present.

They know that by building their reputation, it will lead to huge profit streams in the future.

So, develop the habit of delayed gratification and spend wisely and you will see your money multiply.

Tuesday, August 7, 2012

Hard Inquiries To Credit History Are Not From A Cash Advance Lender

The effects of inquiries on credit scores are often confusing to consumers looking to build or rebuild their own credit. No credit check cash advance lenders pay no mind to credit scores while other types of lenders view the history. It ultimately affects the score in a negative manner. Overall understanding of the score and its effect on personal finances will only lend itself to continued improvements.

People are now getting the idea of how late payments and maxed out cards hurt their credit scores, but lack in the understanding of what inquiries represent. Inquiries are basically, people looking at your credit information. These people may represent current creditors or potential ones looking to examine your credit worthiness. Cash advance applications are not represented on the report since there is no credit check during the approval process. The credit bureaus keep record of money management skills on your credit report. This pertinent data reflects money management skills over the previous seven years. As old recorded information "falls off" the report, current reports are gathered. Credit worthiness analyzes this information; a critical decision factor for potential creditors and lenders. Current accounts make inquiries to ensure the accounts are updated.

If a person has been having trouble making payments, this information will be noted and negative effects will most often reflect the findings. Most consumers understand this aspect of credit scores quite well. What tends to continue to be confusing is the negative affect as a result of one of the inquiries. When a person monitors their own credit or a company looks in order to send a pre-qualification offer, there is no evidence trail to count against the report. Other inquiries are considered hard inquiries which leave a mark in two different ways. Their visit will be noted on the report from the particular credit bureau checked, but it will also take a point or two away from the total score.

*A creditor that checks Transunion will not see the inquiry from another creditor which used Experian.

*The inquiries stay for two years, but only the first year will negatively affect another creditor's outlook.

The inquiries project meaningful information for each viewer.

*A person looking into their own report will be able to see who has been viewing their history and when.

*It is an easy indication for others to see that a person has applied for new credit.

*for new credit.Many listed inquiries may be interpreted as someone desperate for money and will carry with it a negative flag for potential creditors.

*The more reports in a year, the less creditworthy the individual becomes. Many creditors will fear a larger risk of bankruptcy when six or more inquiries are made in less than a year.

*They are a great tool to track potential identity theft.

Since cash advances do no credit checks for approval, many consumers prefer this mode of lending when trying to protect not only their score but also their credit reputation. This short-term money option works well for those who have the income to support the quick payoff. Like any other default loan which is sold to collections, the mismanaged account will harm all three major credit bureau reports.

With no negative affect on the score, people should take advantage of the free reports from each of the major bureaus in order to view what others are seeing. Limit hard inquiries and manage current accounts to keep a positive stance on your credit history.

Friday, August 3, 2012

Financial Assistance Programs for Canadian Homeowners

If you're struggling to save up to buy your first home or if you already own property but don't have the financial resources to keep it in a state of good repair, you may not be aware of the many financial aid programs that are designed to assist Canadian homeowners. Below are just a few of the programs available today for homeowners all across the nation.

As your family gears up for what could be a long winter, it's important to make sure that all structures and vital systems in your home are in good working order. The Residential Rehabilitation Assistance Program (RRAP) is an initiative that was set up in 1973 by the Canada Mortgage and Housing Corporation (CMHC) to help low-income homeowners make repairs that would bring their properties up to an adequate standard of living. This program covers repairs for heating systems, electrical issues, plumbing, and structural problems.

There is a limit to how much financial aid a homeowner can receive through RRAP, depending on your geographical location. Maximum aid available for residents in the southern portion of the country is approximately ,000, while those living in the far north can receive up to ,000. If the cost of repairs exceeds the maximum loan amount in your area, you will be required to make up the difference.

To qualify for RRAP, your income must be lower than the Income Threshold, as determined by the Canada Mortgage and Housing Corporation. Your home must be more than five years old, and the property value must not exceed the limit set by CMHC.

If you're eligible for funding through RRAP, you are not obligated to repay the loan if you stay in the house during the loan forgiveness period, which could be up to five years, depending on the terms of your agreement.

The CMHC has another program designed to assist homeowners with repair costs, called the Emergency Repair Program. To qualify, repairs must be deemed urgent to make the house safe for habitation. This includes repairs to heating and electrical systems, foundations, roofs, and more. With the Emergency Repair Program, only emergency repairs are made, regardless of the habitability of the rest of the home, whereas with the Residential Rehabilitation Assistance Program, the entire property must be brought to a minimum standard of safety and livability. The maximum funding offered through the Emergency Repair Program ranges from ,000 to ,000.

If you're a homeowner that doesn't require emergency repairs, but is looking for help in making your home more energy efficient, there's the ecoENERGY Retrofit program. This initiative provides grants for owners of detached and multi family dwellings who modify their properties to be more environmentally friendly.

To receive this grant, owners must first have their properties inspected and evaluated by a representative from Natural Resources Canada. They compare the energy efficiency of your home with comparables in the area, as well as make recommendations for retrofits. Once the work is completed, you will receive a second assessment to measure the improved energy efficiency of your home. The amount of funding you receive will depend upon what modifications you make, and how much impact they have on the total energy efficiency of the home.

The GST/HST New Housing Rebate is for Canadians who are building a new home or are buying a newly constructed home from a builder. The program also applies to homeowners who have performed a significant amount of renovations on their existing property, as well as those who have been forced to rebuild after a house fire.

This rebate returns to you a portion of the GST costs involved with purchasing new construction. The amount of rebate you're eligible to receive depends on the value of your home. Properties worth more than 0,000 are not eligible for this rebate.

If you need a little extra to go towards the down payment of a house or to help cover the building costs of a new home, the Canada Revenue Agency has made it a little bit easier to borrow from your RRSP. If you meet their criteria for a first time home buyer, you can borrow up to ,000 from you Registered Retirement Savings Plantax-freethrough the Home Buyers' Plan.

There are additional programs throughout Canada that provide financial support to seniors and homeowners with disabilities who need to modify their homes to improve accessibility. There are also provincial programs that help buyers and homeowners deal with the costs of home ownership, and to make it a little easier for low income families to live in safe, comfortable, houses.