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To attract more borrowers and keep the business buzzing Raheem Sterling Jersey , in spite of rising interest rates, lenders have started placing more attractive mortgages on their silver platter. 100% financing is one such enticing mortgage offer. Under 100% financing mortgage, you need not make any immediate down payment. It is targeted towards people facing liquid crunch but who have a good credit ranking.

How does 100% financing operate?

In broader aspects, 100% loans work just like ordinary mortgages. As a borrower, you have a number of different options to choose from Cheap Manchester City Jerseys , including adjustable rate mortgages and fixed-rate ones. Under 100% financing, the borrower must obtain the first mortgage for 80% of the home cost, and a second mortgage, also called as the piggyback loan, for 20% of the home cost. Together Danilo Manchester City Jersey , they allow you to purchase a home with no money down.

It is generally advisable to apply for both the first and the second mortgage from the same lender.

However, before you go in for a 100% financing, it is essential that you are cognizant with both its benefits and drawbacks, some of which are enlisted as follows:

1. The biggest advantage of this kind of mortgage is freedom from down payment. Once you find the best mortgage rate, all you need to do is find a lender to 100% finance it.

2. Instead of throwing away your money on rent Kyle Walker Manchester City Jersey , you can invest it more productively, towards buying the property.

3. They do not attract additional closing costs and under some schemes are available even with higher thresholds.

4. It is important to establish your capacity to pay in order to qualify for a 100% financing mortgage. A person having regular and steady flow of income is more likely to qualify for this kind of a mortgage, than a person with irregular income.

5. 100% financing costs more than conventional loans, for the very apparent reason that you are not providing any down payment.

6. 100% financing will expose you to material risks. Since, 100% financing carries no equity Claudio Bravo Manchester City Jersey , in case of even the slightest fall in property value, you could end up owing more than your house worth. In case of hard times, there is nothing to cushion your fall. Under 100% financing, the borrower must obtain the first mortgage for 80% of the home cost, and a second mortgage Benjamin Mendy Manchester City Jersey , also called as the piggyback loan, for 20% of the home cost. Together, they allow you to purchase a home with no money down.

7. While the interest rate on 100% financing is only slightly higher than ordinary mortgages, they come with significantly greater private mortgage insurance. Therefore, the monthly payments under 100% financing will be quite high and challenging to meet.

e are stricter norms and criteria for qualifying for a 100% financing.

As a borrower David Silva Manchester City Jersey , you have a number of different options to choose from, including adjustable rate mortgages and fixed-rate ones. Under 100% financing, the borrower must obtain the first mortgage for 80% of the home cost, and a second mortgage, also called as the piggyback loan Kevin De Bruyne Manchester City Jersey , for 20% of the home cost. Together, they allow you to purchase a home with no money down.

For more information, you may contact:
Allegro Mortgages Corp. - Best Broker for All Your Financing Requirements
(416) 987-0008

Check out for more information on different refinancing options.
What does one do as a writer who loves writing and feels empty of creativity?


When the writing process stops, there is the experience of fear. There is a sense that something precious has been lost. Out of this fear comes a sense of clinging. There is a clinging to all my beautiful words. It feels as if all my beautiful creativity is melting.


I guess all writers live with this fear. That is until they remember that this flow of creation does not belong to 'me? or 'mine.? I find a wondrous freedom in such recognition. If the writing is not mine then it is a gift given to 'little me.? The ?I? in 'little me? has only to learn how to receive it.


I remember that the fear of not being able to write creatively is the very thing that gets in the way.


This writer waits and watches. He waits as anyone with a little bit of wisdom waits. He waits as anyone who has been graced this day on this beautiful earth waits. He waits at the centre which is always empty but is always full.


I write one word and then I write the next word. There is no judgement of the word. Or there is the observation of such judgement. This is the watching. It is like observing a cloud passing through the blue sky of awareness.


This discipline is the observer observing the action of writing. When the focus is deep enough this writer disappears into the flow. Then creative writing happens. Then the discipline has become discipleship. ?Little me? disappears into the timeless. Creativity flows and freedom arrives. The soul is allowed expression and re-creation arrives. The soul is allowed expression and re-creation happens. There is fullness pouring into the emptiness of the surrendered heart.


This writing becomes a dance. The Beloved knows the steps and all I have to do is learn the grace of surrender. I remember that to live a life of grace is a balance between discipline and surrender. This is the real work. This is the real life.

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