Comments
yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.
Cloud Expo on Google News

2008 West
DIAMOND SPONSOR:
Data Direct
SOA, WOA and Cloud Computing: The New Frontier for Data Services
PLATINUM SPONSORS:
Red Hat
The Opening of Virtualization
GOLD SPONSORS:
Appsense
User Environment Management – The Third Layer of the Desktop
Cordys
Cloud Computing for Business Agility
EMC
CMIS: A Multi-Vendor Proposal for a Service-Based Content Management Interoperability Standard
Freedom OSS
Practical SOA” Max Yankelevich
Intel
Architecting an Enterprise Service Router (ESR) – A Cost-Effective Way to Scale SOA Across the Enterprise
Sensedia
Return on Assests: Bringing Visibility to your SOA Strategy
Symantec
Managing Hybrid Endpoint Environments
VMWare
Game-Changing Technology for Enterprise Clouds and Applications
Click For 2008 West
Event Webcasts

2008 West
PLATINUM SPONSORS:
Appcelerator
Get ‘Rich’ Quick: Rapid Prototyping for RIA with ZERO Server Code
Keynote Systems
Designing for and Managing Performance in the New Frontier of Rich Internet Applications
GOLD SPONSORS:
ICEsoft
How Can AJAX Improve Homeland Security?
Isomorphic
Beyond Widgets: What a RIA Platform Should Offer
Oracle
REAs: Rich Enterprise Applications
Click For 2008 Event Webcasts
SYS-CON.TV
Top Links You Must Click On


3 Things You Need to Know About Mortgage Rates | RealtyPin.com

LOS ANGELES, Feb. 12, 2013 /PRNewswire-iReach/ -- Like it or not, your mortgage rate is going to help determine just how affordable your dream home really is says the real estate experts at RealtyPin.com.  Even if you're not a math whiz, there are 3 things you need to know about mortgage rates:

Mortgage advice from RealtyPin.com: Buying a House Without a Mortgage?

1.Lower rates might be good for your wallet, but not for the economy
Checking the nation's average mortgage rates is kind of like checking your bank account online -- the lower the numbers are, the worse things are. Lower mortgage rates are used to try and jump-start the housing market.  They're supposed to be an incentive to get people to buy.  So, if you're a buyer, seeing lower rates is a good thing.  However, if you're a bank, it's something you don't want to see. How low are things right now? As of August 20, 2012, the average rate on a 30-year mortgage was 3.62%.  Rates have been on the rise ever since August began.  However, those increases come on the heels of a 3.49% average at the end of July -- the lowest rates on record.  In fact, 2012's mortgage rates have been historically low all year long.  The average 30-year rate hasn't been above 4% since mid-March -- and then, it only spent a week at 4.08%!

Home improvement tips from RealtyPin.com: How to Create the Perfect Master Suite 

2.Your credit report plays a role in your specific rate
As tempting as that 3.62% may be, remember that it's only an average.  If the banks think you're a risk, they'll make you pay a higher rate.  To decide how risky you are, your lender will take a long look at your credit score. So, how good does it have to be? Typically, if your credit score is over 740, you'll get the very best rates that your lender can offer.  The lower yours dips, the more interest you'll pay.  In fact, the difference between a good score and a bad one can be as much as 1.5%! But that magical credit score isn't all that lenders are looking at these days.  They're also looking at what kind of debts you've got.  In fact, certain credit can be seen as "bad" credit.  For example, if you have a credit card from every department store in the mall, it's going to look worse to a lender than someone who's got student loans and car payments.

RealtyPin.com housing news: Fannie Mae And The Housing Market's Recovery

3.There are several ways to lower your mortgage rates
If you sign on the dotted line now -- and a great rate comes along in a couple of years -- you can always refinance.  In fact, the average mortgage is refinanced within 10 years, so don't hold off buying a house now because you're worried that something better will come along later.  Instead of simply waving as that better rate goes by, you can take advantage of it if you want to. If you haven't been approved for a loan yet, consider a 15-year mortgage instead of a 30-year one.  As of mid-August 2012, the average 15-year mortgage rate sat at 2.88% -- nearly a full percentage point lower than its 30-year counterpart.  If that doesn't seem like much of a difference, remember than even a fraction of a percent difference can lead to thousands of extra dollars every year! If you've looked into 15-year mortgages -- and the rate still isn't as low as you want -- consider "buying down".  In essence, you hand over money to the bank right now, and in exchange, they give you a lower rate. Or, if you've got a ton of money saved up, consider putting more money down on your new home.  The higher you can get above a 25% down payment, the more likely banks are to cut you a break on interest.  However, some banks won't give you a preferred rate unless you put down 40%, so make sure you ask them first and write the check second!

Media Contact: James Paffrath RealtyPin.com, 1-(866) 960-8649, james@realtypin.com

News distributed by PR Newswire iReach: https://ireach.prnewswire.com

SOURCE RealtyPin.com

About PR Newswire
Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

Enterprise Open Source Magazine Latest Stories . . .
Struggling to keep up with increasing application demand? Learn how Platform as a Service (PaaS) can streamline application development processes and make resource management easy.
Wow, if you ever wanted to learn about Rugged DevOps (some call it DevSecOps), sit down for a spell with Shannon Lietz, Ian Allison and Scott Kennedy from Intuit. We discussed a number of important topics including internal war games, culture hacking, gamification of Rugged DevOps and ...
With DevOps becoming more well-known and established practice in nearly every industry that delivers software, it is important to continually reassess its efficacy. This week’s top 10 includes a discussion on how the quick uptake of DevOps adoption in the enterprise has posed some seri...
A BriefingsDirect expert panel discussion examines the value and direction of The Open Group IT4IT initiative, a new reference architecture for managing IT as a business. IT4IT was a hot topic at The Open Group San Francisco 2016 conference in January, and the enterprise architect and...
In the digital arena, it’s impossible to avoid Dion Hinchcliffe. Perhaps you’ve seen one of his numerous keynotes or joined one of his workshops. Maybe you’ve read one of his books, Web 2.0 Architectures (with coauthors James Governor and Duane Nickull) or Social Business By Design (Pe...
Over the past few years, industry leaders have been discussing the best and most innovative ways to make software delivery faster and safer. Continuous Delivery, Agile and DevOps mindsets are prevailing while new technologies related to containers, microservices and release automation ...
Subscribe to the World's Most Powerful Newsletters
Subscribe to Our Rss Feeds & Get Your SYS-CON News Live!
Click to Add our RSS Feeds to the Service of Your Choice:
Google Reader or Homepage Add to My Yahoo! Subscribe with Bloglines Subscribe in NewsGator Online
myFeedster Add to My AOL Subscribe in Rojo Add 'Hugg' to Newsburst from CNET News.com Kinja Digest View Additional SYS-CON Feeds
Publish Your Article! Please send it to editorial(at)sys-con.com!

Advertise on this site! Contact advertising(at)sys-con.com! 201 802-3021




SYS-CON Featured Whitepapers
ADS BY GOOGLE