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If you have been putting off applying for a mortgage or refinancing your existing mortgage because you dont think youll qualify, you may be surprised to find out how easy qualifying can be. How much you will pay for your new mortgage depends on how much time you invest shopping for the most competitive lender. Here are three common misconceptions about mortgages and mortgage refinancing to help you find the best mortgage for your financial situation.

I. Mortgage Refinance Information: Adjustable Interest Rates

Adjustable Rate Mortgages (ARM) have a bad reputation as being too dangerous for the average homeowner. While it is true these loans carry more risk than a traditional, fixed interest rate mortgage, you can save money by using an ARM loans correctly. Most homeowners that have problems with these loans dont understand them or use them in the wrong situation for the wrong reasons. If you do your homework and choose the right Adjustable Rate Mortgage you can save yourself a lot of money.

II. Mortgage Misconception: You Must Have a Down Payment

The fact that you do not have the necessary 20% down payment will not prevent you from qualifying for a mortgage to purchase your home. Nearly half of homebuyers in the United States do not put 20% down when purchasing their homes. There are a number of programs to help homeowners purchase homes without a down payment including 100% mortgages and 80/20 or Piggyback loans.

III. Mortgage Refinance Information: You Cannot Refinance With Self Employment Income

A common mortgage misconception is that self-employed individuals cannot refinance their mortgage loans. Mortgage lenders require verification of income to limit their risk in lending; however, you can document income with tax returns and the profit sheets from your business just as easily as a homeowner that is not self-employed.

You can find more mortgage refinance information including common mistakes to avoid by registering for a free mortgage guidebook.

To get your free mortgage guidebook visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. For a free copy of "Mortgage Refinance Information - What You Need to Know," which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit Refiadvisor.com.

Claim your free mortgage refinance information guide today at: http://www.refiadvisor.com

Mortgage Refinance Information

There are tons of ways that you can go about saving gas, but one of the best ways would be to turn your car into a water powered car. Now, when it comes to turning you car into a water powered car, there are a few things that you need to know. First of all, you can turn any gas car into a water hybrid. Now, if it first started out as a gas car, you can not turn it into a complete water car.

However, you can turn it into a car that runs on both water and gas. Today we are going to talk about how this is done and what the water part of the car will be running to save you gas. The first thing that you are going to need is a hydrogen generator. There are kits that you can buy and easily install yourself to turn your car into the water car you have always dreamed of.So what is happening whenever you run a car on water? First of all, what is happening is that water is pumped out of its tank to keep the water in the chamber level. Now, electrodes in this charmer are going to vibrate and pretty much break down the H2O (or water). They are going to break the H2O down into 2H2 and O2.

Now, it is going to do that until the pressure in that chamber reaches about 30 to 60 psi, depending on the car you put it in. The great thing about this is that you can get enough power from the water to pretty much drive your car. Now, your car is going to have to use some gas, because it was set up to run on gas. However, the water can actually supply enough power to the alternator and the belt driven accessories that the gas does not have to try and power those. It only has to worry about getting the engine going.

Pretty much meaning that you can improve your gas mileage up to about 40%. To run a car on water, you have to set up the system. It is said that you should not take out the parts of your car that are needed to run it on gas. Even if you found a system that can completely run your car on water, you will want your car to have the old system in it as well. Just in case something ever went wrong, you could go back to driving the old way. Pretty much what it comes down to is the fact that you are going to be able to get your car running on water in no time.

Buying these kinds of systems is not hard, and it can actually be a great way to save money. A lot of hardware stores sell everything that you could need to turn your car into a water car. Of course, if you can not find the stuff you need at a local store, or you do not know what to buy, you can get a list off the internet. They will tell you everything that you need, and it usually costs under $150 to do it.

If you would like to find out how you can run your car on water and double your mileage, then check out my Water Powered Car lense. you will find comprehensive information on the water car technology and learn about which handbooks to buy and which manuals you should stay away from:
http://www.squidoo.com/water-powered-cars-resources