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Mortgages can be an intimidating subject for any homeowner. There are a number of mistakes homeowners make that cost thousands of dollars. To avoid common mortgage mistakes you need to do your homework before applying for a mortgage loan. Here are the basics to get you started.


A mortgage is simply a loan secured by your home. If you default on this loan the lender will foreclose on your home and sell it to repay the loan. A mortgage is simply a tool to purchase your home. There are several different types of mortgage loans you need to be familiar with.


Traditional Mortgage Loans


Traditional mortgages are the type of loan most people are familiar with. The most common traditional mortgage is a fixed interest rate loan with 30 year duration. This is the variety of mortgage with the lowest amount of risk; the repayment amount will not change from month to month because of the interest rate.


Adjustable Rate Mortgage Loans


Adjustable rate mortgages have become extremely popular because of their lower monthly payment amounts. These mortgages come with much more risk to the homeowner because the interest rate changes on regular intervals. If interest rates go up the monthly payment can go up significantly with it. There are several different types of adjustable rate mortgages ranging from risky to extremely risky.


The primary advantage of a mortgage over any other type of personal loan is that the interest you pay is a tax deduction on your Federal Income Tax. Any points you pay at closing are also tax deductible.


Finding the right mortgage is not as difficult as you think. You need to shop from a variety of mortgage lenders and brokers to find the right loan for you. You have to shop smartly; there are a number of costly mistakes to be made during the mortgage process. To learn more about avoiding common mortgage mistakes sign up for a free mortgage guidebook.


Small Business Advice: The truth about what you're really selling Business Articles | March 18 Athletics Stephen Piscotty Jersey , 2009
During a recent radio interview, I shared one of the biggest mistakes I see self-employed people making - believing you are in business to sell your products and services. I was asked why I considered that such a big mistake since it seems like any small business owner would indeed be in business to sell their products and services. Here's why I see it as a mistake...


During a recent radio interview, I shared one of the biggest mistakes I see small business owners making - believing you are in business to sell your products and services. I was asked why I considered that such a big mistake since it seems like any small business owner would indeed be in business to sell their products and services.


Here's why I see it as a mistake - your prospects and clients aren't waking up in the middle of the night focused on your products and services. Though it would be really cool if they were Athletics Rickey Henderson Jersey , right?


The key then, is to tap into what they ARE waking up in the night thinking about in your area of expertise. When you can truly resonate with the key pains, frustrations Womens Glenn Hubbard Jersey , and desires of your target market, that's when you begin to attract LOTS of clients. We all started our small businesses to help people through the products and services we offer. But we can't help if we are not tuned into what people really want and what they need help with.


So here's the truth about what you're really selling:


You're selling an experience:


When customers show up to do business with you, they're looking for an experience. Your job is to find out what that experience is and deliver it. It may be high quality productsservice Womens Reggie Jackson Jersey , fast response time, guarantees, a certain type of atmosphere Womens Joe Morgan Jersey , excellent customer service, etc. They have some expectations about doing business with you and if you get really curious with your prospects and customers, you'll uncover expectations that you can then deliver to boost sales and also referrals.


It's not that you have to meet every expectation Womens Walt Weiss Jersey , by the way, as some may be unrealistic. But don't be quick to dismiss them as unrealistic either. You may get some information that, if implemented Womens Tony Phillips Jersey , will quickly set you apart from others in your field. So at the very least, ask what they appreciate most about your productsservices. This way you can turn up the volume on what people most appreciate or value.


You're selling a solution:


A lot of small business owners talk about the features of their services. That's when it's all about you and what you have to offer. A web designer talks about all the stuff they do to produce a great web site. A copywriter talks about the great brochure they can create. A virtual assistant talks about all of the tasks they can complete. A real estate agent talks about how many homes they've sold. But people show up for a completely different reason. They show up for solutions. And the more you sell solutions, the more you attract clients.


Solutions = Results:


So what are those solutions? I hire a web designer to achieve a particular result - to attract more customers. I hire a virtual assistant to relieve the stress of trying to do it all myself. I hire a copywriter to produce something that increases sales. I hire a real-estate agent either to get my house sold fast and at the highest price Womens Matt Chapman Jersey , or to buy a fantastic new house at the lowest price possible. Sometimes, as a real estate age