Vital Real Estate Strategy for the First Time Home Buyer
Non-Fiction, Self-Help, How-to, Home Buying
Published: March 2021
Publisher: 800 Muses
Want to buy a house but don’t have a down payment and think you can’t qualify? Keep reading!
You’re not alone, and it’s not hopeless. Yes, rent keeps going up, making it difficult to save. And even though interest rates are great, housing prices keep ratcheting upward, moving further out of reach. And maybe your credit score could be better. It may feel like there’s a big clock ticking double-time and you’re starting to wonder if you’ll ever be able to afford your own home. But you don’t want to be shut out of the market. The best time to buy a house? Yesterday. Second best? Today. You need to take the right steps right now to get in the game.
Discover why not every lender is created equal, how to talk the language of real estate so you can converse on an even playing field. Discover the loan programs that offer no and low down payment options, favorable rates, and easy qualifying.
Authored by a 20-year real estate veteran and national instructor of real estate courses, How to Buy a House will show you:
Every step of the home buying process from question mark to keys
Relatively unknown mortgage loans that are super easy to get
How to get your down payment gifted to you
Why you should never take no from a lender as final
Why your credit score doesn’t matter as much as you’ve been told
Creative ways to find a house you can afford
Negotiation secrets that will save you thousands
A government program that lets certain buyers buy at a 50% discount with only $100 down
Soon you’ll know exactly how to get qualified, get help with financing, negotiate like a pro, and buy a house.
About The Author
Yvonne Aileen (YvonneAileenRealty.com) is a 20-year real estate broker with a passion for expanding homeownership opportunities for those who want it. It all started with a beach walk while living on Maui for two years: She noticed some trash near the entrance and was placing it in a bin when a voice behind her said, “Thank you.” She turned to see a car parked at the entrance that had in it two people: a man and a woman, each in their seats, blankets pulled up to their chins, and all of their worldly possessions in the back seat behind them. They were locals; they had slept in their car, they lived in their car, and yet half the homes on Maui were empty 10 months out of the year. That’s when Yvonne began to educate herself on buyer-friendly loan programs for low and moderate income people. She connected with financing experts, attended affordable housing summits, and finally decided to write a book about it to help more people. That book is How to Buy a House.
Can you see his dreadful face grinning in delight?
If you hear his horrid wheels clicking round and round,
Cover your head and plug your ears to block the frightful sound.
For any little boy that hears the Train Man speak,
Who feels his rancid breath caress their pretty little cheek,
Must close their eyes, pretend to sleep, and very softly pray,
Or else the evil Train Man may carry them away.
Adam Walker was told this nursery rhyme every night by his mom. They believed every person was born either an angel or a demon, and it does not leave your bloodline. It was basically a cult called the circle and they believed in The Book (something similar to the Bible). But, there was no redemption or forgiveness ever. You were born what you were, either good or bad.
Adam grew up believing he was a demon, and he set out to become The Books “Destroyer”. Can FBI agent, Alex, figure out in time how to stop this Destroyer, that promised to wipe out a third of civilization?
If you enjoy crime fiction books, that deals with a cult that is creepy and eerie…this book is for you!
Synopsis:
Now that Alexandra “Alex” Donavan is finally free of her troubled upbringing, she’s able to live out her childhood dream of working for the FBI. But soon after she becomes a member of the FBI’s elite Behavioral Analysis Unit, authorities in Kansas and Missouri contact them about bodies found on freight trains traveling across the country–all killed in the same way.
Alex never expected to be forced to confront her past in this new job, but she immediately recognizes the graffiti messages the killer is leaving on the train cars. When the BAU sends her to gather information about the messages from her aunt in Wichita, Kansas, Alex is haunted by the struggles she thought she’d left behind forever.
In a race against time to solve the case while battling her own weaknesses, Alex must face how far she’ll go–and what she’s willing to risk–to put a stop to the Train Killer.
Book Details:
Genre: Suspense Published by: Bethany House Publishers Publication Date: March 30th 2021 Number of Pages: 336 ISBN: 0764238183 (ISBN13: 9780764238185) Series:The Quantico Files, #1 Purchase Links:Amazon | Barnes & Noble | ChristianBook.com | Goodreads
Read an excerpt:
Four murders. Only a week or two between each one, and they all look random. Nothing about the victims is similar—as if our UNSUB is selecting whoever is in the wrong place at the wrong time. Three men, one woman. Two Caucasian, one Black, and one Hispanic. Three of them younger, one in his seventies. All the bodies were discovered on trains and were stabbed multiple times.”
They could hear him take a deep breath before going on. “Unusual tags on the outside of the boxcars. Something like Bible verses, but we’ve searched several Bible apps to find them, and they’re not in any version we could locate. We’re not sure what the UNSUB is trying to tell us. He signed his work, but we have no idea what the initials TM mean. His name? Or something else?”
There was a slight pause. “I’m sending you some photos of the tags right now, along with everything else we’ve got, which isn’t much. We don’t have any real evidence. This guy is careful . . . and smart. At this point, we’re not in charge. He is. Have your team look over this information before they get here, okay? I’ll expect them at the command post in the morning. We’re setting it up now. Does that work for you?”
“They’ll be there, Stephen. Talk to you soon.”
The call done, Jeff turned on his laptop and pulled up the information Barstow had just emailed. He sent the file to a large screen on the wall and began slowly clicking through the photos.
In mere seconds, Alex felt like all the blood in her body had frozen, as if time itself had come to a halt. Her mind couldn’t seem to process what she was seeing.
How could this be happening?
***
Excerpt from Night Fall by Nancy Mehl. Copyright 2021 by Bethany House Publishers. Reproduced with permission from Bethany House Publishers. All rights reserved.
Author Bio:
Nancy Mehl is the author of more than 40 books and a Christy Award and Carol Award finalist as well as the winner of an ACFW Book of the Year award. Her short story, Chasing Shadows, was in the USA Today bestselling Summer of Suspense anthology. Nancy writes from her home in Missouri, where she lives with her husband, Norman, and their puggle, Watson.
This is a rafflecopter giveaway hosted by Partners in Crime Virtual Book Tours for Nancy Mehl. There will be three (3) winners (U.S. addresses only) for this tour. ONE Grand Prize winner will receive: ONE (1) physical copy of Night Fall, ONE (1) $10 Amazon.com Gift Card; and ONE (1) physical book set of the Kaely Quinn Profiler series (including Mind Games, Fire Storm, and Dead End). Additionally, TWO (2) winners will each receive ONE (1) physical copy of Night Fall. The giveaway begins on April 19, 2021 and ends on May 2, 2021. Void where prohibited.
Now that Alexandra “Alex” Donavan is finally free of her troubled upbringing, she’s able to live out her childhood dream of working for the FBI. But soon after she becomes a member of the FBI’s elite Behavioral Analysis Unit, authorities in Kansas and Missouri contact them about bodies found on freight trains traveling across the country–all killed in the same way.
Alex never expected to be forced to confront her past in this new job, but she immediately recognizes the graffiti messages the killer is leaving on the train cars. When the BAU sends her to gather information about the messages from her aunt in Wichita, Kansas, Alex is haunted by the struggles she thought she’d left behind forever.
In a race against time to solve the case while battling her own weaknesses, Alex must face how far she’ll go–and what she’s willing to risk–to put a stop to the Train Killer.
Book Details:
Genre: Suspense Published by: Bethany House Publishers Publication Date: March 30th 2021 Number of Pages: 336 ISBN: 0764238183 (ISBN13: 9780764238185) Series:The Quantico Files, #1 Purchase Links:Amazon | Barnes & Noble | ChristianBook.com | Goodreads
Read an excerpt:
Four murders. Only a week or two between each one, and they all look random. Nothing about the victims is similar—as if our UNSUB is selecting whoever is in the wrong place at the wrong time. Three men, one woman. Two Caucasian, one Black, and one Hispanic. Three of them younger, one in his seventies. All the bodies were discovered on trains and were stabbed multiple times.”
They could hear him take a deep breath before going on. “Unusual tags on the outside of the boxcars. Something like Bible verses, but we’ve searched several Bible apps to find them, and they’re not in any version we could locate. We’re not sure what the UNSUB is trying to tell us. He signed his work, but we have no idea what the initials TM mean. His name? Or something else?”
There was a slight pause. “I’m sending you some photos of the tags right now, along with everything else we’ve got, which isn’t much. We don’t have any real evidence. This guy is careful . . . and smart. At this point, we’re not in charge. He is. Have your team look over this information before they get here, okay? I’ll expect them at the command post in the morning. We’re setting it up now. Does that work for you?”
“They’ll be there, Stephen. Talk to you soon.”
The call done, Jeff turned on his laptop and pulled up the information Barstow had just emailed. He sent the file to a large screen on the wall and began slowly clicking through the photos.
In mere seconds, Alex felt like all the blood in her body had frozen, as if time itself had come to a halt. Her mind couldn’t seem to process what she was seeing.
How could this be happening?
***
Excerpt from Night Fall by Nancy Mehl. Copyright 2021 by Bethany House Publishers. Reproduced with permission from Bethany House Publishers. All rights reserved.
Author Bio:
Nancy Mehl is the author of more than 40 books and a Christy Award and Carol Award finalist as well as the winner of an ACFW Book of the Year award. Her short story, Chasing Shadows, was in the USA Today bestselling Summer of Suspense anthology. Nancy writes from her home in Missouri, where she lives with her husband, Norman, and their puggle, Watson.
This is a rafflecopter giveaway hosted by Partners in Crime Virtual Book Tours for Nancy Mehl. There will be three (3) winners (U.S. addresses only) for this tour. ONE Grand Prize winner will receive: ONE (1) physical copy of Night Fall, ONE (1) $10 Amazon.com Gift Card; and ONE (1) physical book set of the Kaely Quinn Profiler series (including Mind Games, Fire Storm, and Dead End). Additionally, TWO (2) winners will each receive ONE (1) physical copy of Night Fall. The giveaway begins on April 19, 2021 and ends on May 2, 2021. Void where prohibited.
Mothers. Meddling. Matchmaking. What could possibly go wrong?
Matchmakers Maggie Barnes and Rina Thorn are back “helping” two new couples navigate the journey to find love.
It’s a simple marriage of convenience. She needs a temporary husband. He needs the money she’s offering.
Christy Roban walked away from her brief marriage with a battered heart and damaged pride. The entanglement-free life she’s built suits her just fine, until she finds herself in need of a temporary husband.
A committed relationship is the last thing Aaron Thorn is looking for, but Christy makes an offer he can’t refuse. Besides, he’s a sucker for a damsel in distress.
What happens when the lines blur and their simple fake marriage of convenience starts to feel like the real thing?
* * *
He starts their relationship with a lie. Now he has to tell her the truth.
Disillusioned by his broken engagement, Phil Wentworth wants a woman to love him for the person he is, not the riches he has. He wants a future with Marissa, but when she finds out he lied, will she forgive him?
Marissa Stone didn’t expect falling in love would be so complicated. They are from two different worlds. What if their sizzling chemistry fades? What if she’s only a rebound romance? Can she trust him again and find her happily ever after?
Buy Spring: Book Four of the Matchmaker Chronicles for another heartwarming romance duet, because who doesn’t love Margarita-sipping, meddling, matchmaking mommas.
Other Books in the Matchmaker Chronicles Duets series:
Janis McCurry was born and raised in Boise, Idaho, nestled in the beautiful Treasure Valley. She’s never wanted to live anywhere else. She loves to write believable characters with humor and tenderness. She writes romance because she believes in happy endings, whether with a first-time or a second-chance love.
Lynn Mapp was a Navy brat, born in San Diego, California. While she was born in California, her Idaho roots are deep. Her mother and grandfather were Idaho natives. She has always looked for happily ever afters, the light after the darkness. Families and humor are central in her life and her stories.
Welcome to the book tour for supernatural thriller, Murder: It’s All in Your Head by Cynthia Hilston!
Murder: It’s All in Your Head
Publication Date: December 5, 2020
Genre: Supernatural Thriller/ Horror
Someone has been getting away with murder for over 100 years in the small town of Hurston, Ohio. But the wrong person has been convicted of those murders every time. In 2018, Cassie Meadows is on her way to school when a bright flash comes out of nowhere, and she wakes in millionaire Randy Davis’s body with blood on her hands…the blood of Randy’s wife, who lies in a pool of crimson in the bathtub with her throat slit. Meanwhile, an old man everyone calls Jimmy Williams raves that he’s the real Randy Davis as he lives out his days in a ward for the criminally insane. In 1914, young Helen Hawkins is unloved and repetitively abused by her father, who is also the town’s pastor. Her only escape is in her dreams, where she wakes in others’ bodies, living other lives, but when her dreams turn out to be reality, the tables are turned on her father. In a story where no one is who they seem, how can Cassie, the latest victim accused of a murder she didn’t commit, end the cycle?
Cassie pedaled her bike faster to school as thoughts of staying home alone on senior prom night plagued her. A flash of light blinded her. She shielded her eyes. Horns blared and tires squealed, and the whole bike shook to a stop.
When she opened her eyes, a wall of old books stared back. She rubbed her eyes and blinked rapidly, taking in her surroundings. Gone was the familiar tree-lined street with rows of 40-year-old ranches and split-levels. Sunlight filtered in through parted drapes. Unlike her house, where dust danced in light beams, this room sat still.
Her sweaty hands clenched into fists at her sides, her nails digging into her palms. A chill jolted up her spine and extended down her arms, freezing her in place. She gazed across the room. Marble pillars flanked an archway to another room across the vast library.
A faint noise came from another part of the building. Curiosity claimed her caution as she took a step. Realizing her fingers were wet, she glanced down and nearly fell over. Blood covered her large hands all the way to her thick fingertips!
Cassie gasped. She reached for her throat. A sharp intake of breath.
“What?” she croaked in a foreign voice.blo
A dream. This must be a dream. Her voice rang through her mind, but when she opened her mouth to speak again…
“This can’t be happening.”
Cassie’s hands grasped her throat, in a failed attempt to excise the vocal cords responsible for this new voice. When her fingers grazed whiskers, she raked them over the jaw and cheeks.
“No. N-no.” What the hell?
She closed her eyes and forced herself to take a long, slow breath. Okay, okay. Calm down.
When her eyes opened yet again to this new reality, Cassie gave a shuddering gasp. She felt like she was doused with ice water, the burn throbbing through her body. She tried to step again, but she wavered in this oversized body that wore like a linebacker’s uniform. The large feet lumbered with a clumsiness contrary to her agile body. For a girl who had taken gymnastics since she could walk, the dragging, teetering movement of this form almost stopped her efforts. But Cassie willed herself to move. One step at a time.
Just do the best you can. Her mom’s words echoed through her mind.
Her steps were short-lived as her dad’s advice died. She halted. A trail of red on the spotless marble floor led to an archway. Her nerves fired in overtime, and her head spun. She followed the path and exited the elaborate room into a hallway.
The sound was louder now. The unmistakable sound of running water.
“What’s going on?” Cassie whispered. She tried to ignore the voice. Really tried.
Something moved out of the corner of her eye. She turned her head to the right and landed on her reflection, only it wasn’t her face. A tall man of about thirty stared back. She ran her hands through the trim brown beard that contoured the strong jawline, confirming what she felt earlier. Liquid brown eyes under thick, wavy hair and a deep brow held confusion, panic. A sleek black business suit covered her well-built frame—fit for an executive who dined on caviar and champagne and rode in chauffeured limos. But against the black of her suit the blood extended, weaving an unknown horror story.
She shook her head. “This is impossible.” Yet the voice told a different story.
Her body trembled, and her whole being felt different. Cassie’s eyes fell on a picture frame below the mirror. Her fingers fumbled to pick it up. A younger version of the man in the mirror gazed out of the photo. He smiled, his face next to a gorgeous auburn-haired woman. The woman’s hazel eyes crinkled around the edges, her freckles standing out against her fair skin in the sunshine. It was a happy couple’s wedding photo.
Cassie returned the picture to its place, the frame now coated in blood. A drop of crimson marked the floor every few inches. This body must have come from the opposite direction through the house, for how else could she explain the blood everywhere? She rested a hand on the railing at the base of the stairway and gazed up the twisting steps. The running water came from upstairs. She took the first step and steadied herself. Something drew her toward the source of that sound.
Cassie reached the landing and glanced behind her. Her mark was on the railing, another path of blood. The tell-tale trail continued, decorating the floor in a macabre design, as she went down the hallway toward the sound. Her knees wobbled as a dizzy spell overtook her. She steadied herself with a hand to the wall and blanched at the red print she left.
Call the cops.
I don’t know what the hell’s going on.
She pushed herself from the wall and arrived at the bathroom. Water leaked under the door.
The knob slid under her slick hand. She used the end of her sleeve to grip it and pushed the door open enough to peek inside. Pink water flooded the marble floor. Her gaze traveled to the bathtub. Water spilled over the tub’s edge. A woman lay sprawled in the tub, her vacant eyes staring at the ceiling, her mouth open in a scream. Her head lay at an odd angle, her neck nearly cut in two. Blood ran from the gaping gash into the water.
Cassie tried to scream, but her stomach tightened. Bile rose and she vomited into the pooling water and blood. She slammed the door and collapsed against the outside, pulling her knees to her chest. Water soaked her pants, making the fabric stick to her clammy skin. The tall frame of the man’s body convulsed with the sobs of a teenage girl as she cried into her hands. Hands that weren’t hers.
“I want my mom.”
She couldn’t get the dead woman’s face out of her mind. As the scene replayed through her head, Cassie realized where she’d seen the woman before. In the photo. She had been this man’s wife.
Cynthia Hilston is a stay-at-home mom of three young kids, happily married, and lives in the Cleveland, Ohio, area. Writing has always been like another child to her. After twenty years of waltzing in the world of fan fiction, she stepped away to do her debut dance with original works of fiction.
In her spare time – what spare time? – she devours books, watches Supernatural and Outlander, pets her orange kitty, looks at the stars, drinks wine or coffee with good friends, and dreams of what other stories she wishes to tell.
Congratulations to author Andy Lewter on the re-release of her YA Fantasy, Gifted! Read on for more details!
Gifted (A Valens Series #1)
Publication Date: March 15th, 2021
Genre: YA Fantasy/ Urban Fantasy
The last thing Abigail Everett thought would happen over spring break was having her
world shift into an entirely new perspective. Unfortunately for her, that’s exactly what happened.
Between struggling to master her newly-formed abilities, coming face-to-face with dark, deceiving mind tricks by those that seek her leadership, and learning of a mythical world that she never deemed possible, Abigail risks everything with the future of mankind and the safety of its’ people in her hands.
Imagine you are in High School at 16 and all of a sudden out of nowhere you think you are going crazy because things are changing. You are able to feel others emotions like they were your own and your body becomes a rock hard like you been at the gym all your life? Sounds pretty cool right?
That’s what happens to Abigail and she has no idea what to do. Her BFF is away who hinted at something might be changing in her soon.
She later finds out that she is a Valen, and her great grandfather was the king. She is truly an elite person.
She has to make a tough decision if she will leave her human mother and sister behind or will she become a Valen leader?
About the Author
Andy is an urban fantasy/fictional writer that loves a healthy dose of character development. She’s a true Potter-head at heart with a deep love of nature, cooking, and comfy clothes. Andy is constantly plotting and pondering her works to come, and has many exciting things in store.
1988 doesn’t end well for Jessica Abraham. In just one week she turns thirty, loses her day job, and loses the role of Ophelia to a younger actress. Rallying, she goes after a part at a theater outside of the city, but the director’s plan to hide her beauty behind hair, makeup, and wardrobe from Cosmo’s “Don’t” column shakes her confidence to the core.
For the first time in her acting career, she won’t be able to rely on her carefully managed physical charms. Only her craft will count.
On a snowy night early in January 1989, a woman calls into DJ Callihan Alonso’s alt-rock radio show at the end of her commute. He asks her to call back the next night, and the next, just so he’ll know she’s home safe. There’s something about her voice that has him wanting more, but the longer they talk, the closer she gets. Compromising each and every wall he’s built around his heart.
If two lonely people fall in love over late-night phone calls, will meeting face-to-face make them, or break them?
In this heart-rending but happy-ending retro romcom, it may be the end of a decade,
KAREN GREY is the pen name for award-winning narrator Karen White. A stage, screen and radio drama actor in Boston, New York and Los Angeles in the late 20th century, she started recording books in 1999. Now back in her home state of North Carolina, she shares a home with her family and (probably) too many pets, where she continues to narrate audiobooks as well as make up stories.
The first three books in her Boston Classics series of retro romcoms released in 2020, with more to come in 2021. What I’m Looking For, #1 in the series is the winner of AudioFile Magazine’s Earphones Award, the NJ Romance Writers’ Put Your Heart in a Book contest and Hearts Through History’s Romance Through the Ages contest in the Modern History category.
This book completely and totally resonated with me, as I, like the author, wore a mask for 3 decades of my life. When I became a mother, I was a perfectionist and had set myself with very high expectations. I crumbled under the pressure of having a career and kids and didn’t think I was good enough.
This book sums up everything you need, to slay the dragons that are burdening you and to come out of hiding to live your true life! She teaches you, you are not alone and you do not have to suffer anymore.
I wish I had this book when I was on my journey to freeing myself, instead of reading 30 books that got me to the same place.
Also, this book might be for moms, but I believe anyone with a perfectionism default and lack of self-esteem, would be incredibly relatable to you.
Thank you to @suzyapprovedbooktours and @slaylikeamother for this gifted book!
I love a book challenge and when I saw this challenge going around I figured I would not be partaking in it! However, how this book changed my mind!
Here is #myblingandmybook edition, which represents my current marital status fabulously!
This is a book that #bookstagram made me read it. I thought it had an original story that intrigued me. How could a married woman defend her cheating husband, when his mistress was found dead in their lake house? Wild right?!?!
She defended him because she loved him. She is his best chance for him to get off of these Murder charges. The evidence is stacked up against him.
Will she be able to save her husband and will she be able to forgive him when/if she does?
The twist at the end wasn’t too unexpected, but it did make for a good story and I would definitely recommend. I listened to the audiobook in only a day so it definitely was worth the hype.
Geaux Get Lit 