Essential Advice For Buying Your First Home And Navigating Through The Mortgage Loan Process

 

 Essential Advice For Buying Your First

Home And Navigating Through The

Mortgage Loan Process

Answers to First-Time Home Buyer Questions and Concerns in an Easy-to-Follow 7-Step Guide to Home Buying

By Diana Donnelly

Make the home buying process less stressful by understanding each step of the process ahead of time

How much mortgage can I afford?

What even are closing fees, and will I be responsible for paying them? How much do I have to put down? How much should I put down?

If you have any of these questions, you are not alone! Buying your first home can be stressful and leave you confused and anxious, wondering if you are making the right choice.

In fact, 70% of people in one survey stated they have at least one regret in their home buying experience, and much of this can be attributed to not being knowledgeable about what to expect ahead of time.

By discovering the 7-step process outlined in this book, you will save yourself from many headaches and be part of the 30% who have no regrets about their home purchase.

In this book, you will discover:

● The many benefits of buying a home, including having complete control over your domain and various tax breaks for homeowners

• ●  How the age-old saying “location, location, location” is of utmost importance in your decision — what to keep in mind when choosing the location of your future home

• ●  An overview of the different types of homes — know what you should be looking for (Cape Cods, Modern Farmhouses, or many other options)

• ●  The key to determining how much to spend on a house that won’t leave you “house poor”

• ●  Costs beyond the purchase price so you know how much you should really save before purchasing

• ●  How to understand your credit score and what you should do to improve your credit before applying for a home loan

• ●  The importance of choosing the right lender and questions you should ask them in an interview

• ●  What you can expect at each step of the loan process, from pre-qualifying all the way to closing on your new home

• ●  Tips on finding the perfect real estate agent for you, as they will be with you on this life-changing journey

• ●  Crucial things to look for when viewing homes, including things you may never have considered important when renting

• ●  Everything you need to know about making an offer on a house so you have the best possible odds of getting the house of your dreams

• ●  All the important factors to keep in mind before closing on your property

• ●  What happens after your offer is accepted and everything you need to know

  about being a homeowner

  And much more.

  This definitive guide leaves no stone unturned when it comes to the house buying process.

  Discover everything you need to know before starting your search so you are not left with regrets later.

  
  

  Click here to get your copy on Amazon / Kindle 

 

The Letter Carrier

A WWII coming-of age story based on three years of interviews with Michelle Naget, whose family members spent four years as captives in their own home after it was commandeered by the Nazis.

"This book should be mandatory reading for every student in grade 10." N.N. Light, author.

“ . . . filled me with such faith and hope.”

“ . . . harrowing, powerful, and breathtaking.”

“. . . a story that will stick with me forever.”

“The Letter Carrier absolutely took my breath away.”

“Brilliantly and beautifully written!”

When the German march across Europe reaches France, young Michelle Naget and her family join the throngs fleeing for safety. But their flight ends in capture by the Nazis, with one member of the family taken, while the rest of the family is sent back to their village of Braquis, France, to serve the enemy who has commandeered their home.

For the next four years, the Nagets live in the crosshairs of the enemy living under their roof and of the neighbors who question the family's loyalties. Every day becomes a test of faith for Michelle-in God, in family, in the hope that the Allies will come, and in the letters from a young French rebel named Légère who promises Michelle that she will be free again.

But when the Nazis' torment increases, and the razor-thin line between life and death narrows for the Nagets, the family's motto, "We do what must be done," and Michelle's faith in God, give her the courage to face her enemy and do whatever she must to protect the family she loves.

Excerpt:

"While the boys ran and tumbled in the grass, I studied these

refugees. I feared the word and the people it described—dirty,

needy, ragged wanderers. The hungry children were gnawing on a raw parsnip when Mother arrived with the bread. The displaced mother wept over the loaf, and then I felt it, the childishness peeling off my heart, allowing me to see past the soil and tears that marred the peoples’ clothes, to see the spark of divinity hidden behind their downcast eyes. I felt God expand my heart, then bathe me in understanding as Mother’s phrase returned to me—we do what must be done.

"I could no longer ignore the prospect of change because Hitler’s forces were elsewhere, in someone else’s land. His army was near, very near, and coming our way."

"The Letter Carrier"
Available now on Amazon: amzn.to/3ToRpa9
And on other platforms: bit.ly/UTLCLCL

 

Stuck Between Pleasure & Pleasing God

This memoir of the life of Kimberly Clark is touching and thrilling. This Navy veteran faced many obstacles, including addiction, alcoholism, promiscuity, suicide attempts, and narcissistic abuse. However, she overcame This riveting story of how God delivered and resurrected someone so lost and confused is beautiful. This story proves that no matter how far you go down in your own self-destruction, being used, abused, and manipulated, you can overcome and do more than you ever thought you could. You won't want to put this book down when you start reading. Kimberly's transparency about her journey is breathtaking. Follow along and read how a life can be truly turned around and the narrative changed.

Click here to get Stuck Between Pleasure & Pleasing God

on Amazon

Also Available on Kindle Unlimited

Click here to find out more about Kimberly Clark's Motivational Speaking.  

WIGGA: Willfully Ignoring God's Gift of Anamnesis

WIGGA:

Willfully Ignoring God's Gift of Anamnesis

Every person at some point in their life wonders why humans experience hell on earth instead of heaven on earth. In fact, at some point in our lives we will suffer, some more than others. Whether we are watching the evening news or receiving an undesirable call from a known source, there appears to be no rest from the grief of our daily lives. Whether the suffering is mild or severe, WIGGA provides justification for our grief through God’s eyes. Since God is not the cause of our suffering, J. Childs analyzes how our grief began and directs us through love on how we can end it and start experiencing heaven on earth before we die. Through prophets, disciples, and apostles, Childs demonstrates a clear understanding of our fickle nature through God’s eyes as well as the essential path God desires us to take to become more like him. WIGGA is a convictive and sobering must-read that ultimately guides the reader with love toward good news.

Click here to get WIGGA on Amazon / Kindle

Also Available on Kindle Unlimited

 

  

A Practical DBT Skills Workbook for Modern Teens & Adolescents:

How to Help You Confront Your Emotions and Anxiety, Keep Them Under Control, and Practice Mindfulness

This therapeutic technique has helped Lady Gaga and Selena Gomez get through the toughest times in their lives. Here’s how it can help you too. 

Your teenage years are a time of great change and new experiences as you transition into adulthood.

You’re undergoing profound changes in your body, facing more challenging ordeals, and feeling deeper emotions, you may not have felt before.

On top of that are the stresses of school, the complications of teenage relationships and the

It can feel overwhelming to be a teen, and sometimes things can get to be too much for you.

Whether you’re feeling hurt, stressed, insecure, angry, anxious, or lonely, know that you don’t have to go through it alone.

You can always turn to your parents, friends, teachers, and mentors for advice, support, and assistance.

But aside from outside help, you can also take actions to help yourself deal with the pressures of teenage life. 

One of the most effective ways is Dialectical Behavior Therapy or DBT.

It is a form of cognitive-behavioral therapy that can aid those struggling with various issues such as depression and anxiety, anger outbursts, frequent mood swings, and more.

With this workbook, you’ll learn to develop useful skills to help you respond better to difficult and stressful experiences. 

In A Practical DBT skills Workbook for Modern Teens and Adolescents, here is just a fraction of what you will discover:

• A helpful overview of DBT, how it works, and how it can improve your relationships and transform your life
• The 4 core components of DBT and how each can contribute to your mental health and wellbeing
• How you can change the way you feel no matter what situation you find yourself in using the Self-Soothe method
• 101 Fun and productive exercises ( 8.5x11 -Self-help Worksheets) to help you develop the DBT skills you need to cope effectively with challenging situations
• Emotion regulation techniques that give you more understanding of and control over your emotions
• How to apply GIVE skills to enhance the quality of your relationships and deal with conflicts
• How to use Distress tolerance skills to improve your daily habits
• Step-by-step 30-60-90-day plan to improve your communication and relationships

And much more.

You might be struggling today, but that doesn’t mean you have to struggle forever.

Building and practicing DBT skills will give you the tools to face any challenge without getting overwhelmed by your emotions.

Teen's and Adolescent's life may be tough, but you’re tougher, and you can make it through!

If you want to grasp your emotions better and develop a more resilient and adaptable outlook on life, then scroll up and click the “Add to Cart” button right now.

Download this book free on 9/14/2022 & 9/21/2022

Click here to get

A Practical DBT Skills Workbook for Modern Teens & Adolescents

on Amazon / Kindle

Also Available on Kindle Unlimited

 

Suck It Up Cupcake:

Stop Screwing Yourself and Get the Life You Want 

A better life awaits…

…if you could only get out of your own way.

Are you your own worst enemy?

This is a book about fear, determination, self-defeating mindsets, and how to overcome every obstacle that life puts in your way.

Dennis was not an overachiever. Finishing high school eighth from the bottom of his class, he went to Vietnam to fight for his country. When he returned, at age 24, he sold hot dogs and donuts. Broke and depressed wasn’t how he wanted to spend his life.

He had two things going for him.

Dennis wasn’t afraid to work hard and learn (and teach himself) what he needed.

In twelve years, he built several (real estate and other) businesses and was worth over (1) one million dollars.

Designing the life you want is about learning to problem solve in ways most people never consider. This book will give you insights into yourself and what you need to succeed.

You’ll learn how to:

• Stop waiting and start

• Pay Attention, learn to know yourself

• The Compound Effect will move you forward step by step- will show you that every action moves you (Powerful concept)

• The potential of the Law of Association

• Master the power of Deliberate Practice

• And much more

This book is about solutions.

You’ll love this personal development book because Dennis speaks from the heart, isn’t afraid of the truth, and shows you the path.

Click here to get Suck It Up Cupcake on Amazon / Kindle

An Introduction to Cryptocurrency

 

"An Introduction to Cryptocurrency:

The Crypto Market Ecosystem"

By James Tapia

"The only Bitcoin Investing Book you will ever need" This course contains - An absolute Beginner's Guide to the Cryptocurrency which is changing the world and your finances in 2022 and beyond.

Here is more about what you will learn:

✅ Get Lifetime Access to all our crypto bundles + New Content Periodically

✅ We’re going to break down everything into simple terms with practical videos… so that even your grandma can get involved ❗❗

✅ Apply our effective crypto investment strategy with ease.

✅ Get quality and effective coaching in a small focus group so you ask questions, Get in touch with facilitators, and have companions on your journey.

✅ An internationally recognized Certificate and special gift at the end of the course.

And much more ❗❗

Click here to Learn More and Get your Copy