What if it were possible for you to obtain the house of your dreams without actually having to spend very much time on your own looking for what you wanted? Additionally, what if you could afford the property that you wanted as a result of having better credit, or working with a lender that wasn’t as concerned about having perfect credit in order to qualify for the loan necessary to procure the house that you desire? There are actually companies out there that will search for homes for you, and as a result of your credit and your debts alone ratio, some of them can give you interest rates as low as 1% or less, providing you with fast and flexible finance. Let’s take a look at what Auction Finance has to offer and why they are one of the leaders in the industry for helping people get the homes that they are looking for.

How Your Credit Can Affect Which You Can Qualify For

Anyone that desires to have a home has only one of two choices. They can rent a home from someone that was smart enough to purchase it on their own, and then rented out to people so that others could, effectively, pay off their mortgage for them. Or, people can be on the other side of that coin, become smart investors, and purchase rental properties, or even the property that they would prefer living in for the rest of their lives, as a result of having excellent credit. Credit is essentially reflective of your level of liability on the part of the lender who is going to be trusting you to make your mortgage payments every month. They are putting their money forward, allowing you to have what you want which is your home, and in return you are paying them back the money that you a borrowed plus interest. This is how banks make money. This is how lenders are able to put out billions of dollars every year, and generate hundreds of millions, because of the interest rate that they charge and the reliability of the lenders that they choose in order to make the payments back. Therefore, if you would like to get a higher amount to borrow, at a lower interest rate that is more affordable for you, you need to fix your credit.

Fixing Your Credit Fast

Your ability to repair your credit in a timely manner will have a lot to do with whether or not you will be able to obtain the home that you are currently looking at right now. Most homes do not last for longer than a few months, and if your credit is extremely bad, the odds are you will either have to cosign with someone that can help you get the property, you will have to pay cash for it, or you will have to work with a company that can repair your credit fast. There are many companies that can take a questionable credit rating and within a few weeks, make it look much better than it did before. This might be enough for you to qualify for loans that you need in order to get the property that you would like to own. Once you have your credit fixed, you will need to look into other areas which is your financing and then finding a company to help you obtain the property that you need.

Improving Your Financial Outlook

If you have an excellent job, perhaps making six figures a year, it is possible that you could pay cash for whatever home it is that you need. You could also qualify for different types of financing that are not available to regular people that are earning less than $100,000 a year. More than likely, if you are earning this much money, your credit rating is also exceptionally high. Your debts alone ratio may also be extremely low which means qualifying for higher amounts will be very easy for you to do. If you do make less than $100,000 a year, and you do have a debt to loan ratio that is higher than normal, you will want to pay off some of those existing debts in order to qualify for what you want. To fix these problems, you will simply have to work with someone that deals with financing, that will be able to redirect some of your income into paying off his debts, allowing you to qualify for loans that you want. Once this has been resolved, which can be fixed in a relatively short amount of time, you will want to find a company that can help you find the exact property or home that you would like to own.

Auction Finance Options

There are many companies that will lend to individuals at very low interest rates so that you can purchase some of the most affordable property available today which is purchasing property at auction. Interest rates can be less than 1%, and short-term loans are always offered, whether you are experienced at this or a first-time investor. Depending upon your credit, your debts to loan ratio, and how much you need to borrow you can find someone to help you out that is willing to lend you the money necessary to purchase and finance the property or home of your dreams once all of your credit and financial problems have been resolved using the tips in this article. It doesn’t need to be that difficult when you are simply trying to obtain a piece of property that you would like to build a home upon, or have access to a home that will allow you to become an owner instead of a renter. Whether you are trying to build a portfolio of rental properties, or simply trying to improve your current financial situation by getting your credit under control, along with your debt to loan ratio, it is possible to repair all of these things using companies that will work with you to get your financial situation to a point were you can qualify for extremely low interest rates on loans with companies that will be willing to lend you the money that you need.

Whenever you go to a retail store, and you are shopping for different prices for merchandise that you would like to buy, you might wonder why it is that some companies are able to charge significantly less for the same products at different stores. You would think that the amount of money that they stand to profit would be a limited amount over the wholesale price that they pay from the manufacturer that they purchase the products from. In most cases, you’re going to notice that you can buy products for substantially less at larger retailers such as Best Buy, Wal-Mart and Target. Here are the reasons why you can get the best deals with larger retailers, and also understanding the true difference between wholesale versus retail value.


What Is Retail Value?

The retail value of an item that you are going to buy is essentially the marked up price of what a company is able to purchase a product from a manufacturer from out what is called wholesale price. The amount that the company is able to purchase the product for is going to determine the spread by which they can increase or decrease prices by which to create what the public typically considers to be a sale. In most cases, the retail value is going to be a couple hundred percent higher than the actual purchase price. For instance, if a manufacturer sells a blender to a company for $10, the company that purchases the blender may sell it for $30. This is just a rough example of what the transaction could be, and may be higher or lower depending upon the type of product that is being sold and the companies that are purchasing the products.

Click here for an example of a retail store.

What Is Wholesale Value?

Wholesale value is the price that a manufacturer will sell the products that they make had to retail companies. As mentioned before, the spread will be determined by each company, and the size of the spread will make it possible for the retail company to sell the product at either a very low price, or mark it up very high so that they can have occasional sales in order to convince the consumer that they are getting a great deal. If you think about the nature of haggling, where you are going to a flea market and they are offering something at a certain price. Inevitably, after haggling with the seller for some time, you can sometimes knock off over half the original price that was asked. This is because there is a lot of playing room with many of the products that are purchased at wholesale value, making it possible for the seller to convince the buyer that they are really getting a great deal.

Click here for an example of wholesale store.

Why Larger Companies Are Able to Offer Better Deals

The primary reason that larger companies are able to offer better deals than smaller ones is that they can buy everything in bulk. If you are able to purchase 10 products from a manufacturer at $10, a larger company will be able to buy 1 million of the same products, for example, at three dollars a piece. Even though the retailer is going to make substantially less with every sale that is made, the sheer volume of the sales that the large retailer can make based upon the number of stores that they have, or e-commerce stores that they operate on the web, they can actually make a lot more profit than a smaller seller because of the power of buying and selling at volume. The more that you purchase, the less it will cost, and the more savings you can pass on to the consumer. This is how Wal-Mart, Costco, and many other larger well-known companies that are nationally known are able to generate billions of dollars in revenue, outselling all of the smaller stores because they are able to discount their prices yet still make phenomenal profits.


How To Benefit From Wholesale And Retail Prices

From a consumer’s perspective, the primary benefit of working with a company that is able to buy mass quantities of products is that you know that you are going to get the lowest possible deals. Whether they are offering the product for sale at a lower price, or they are able to provide discounts for products every month allowing you to save money with coupons or promo codes, larger companies are always going to be the best ones to work with when looking for a way to save money. If you are a business, if you are able to purchase a large quantity of products from a manufacturer, the wholesale prices that you pay are going to be phenomenally less. As a result of this, you will be able to compete at a higher level against all of your competitors that sell similar products because you can cut your prices for the retail sale of these products, thus driving more traffic and revenue to your store online or off-line.

Once you understand how wholesale and retail prices work, you should understand that the power of buying of larger stores is considerably more than small mom-and-pop stores that are scattered across our country. It is no wonder that larger corporations like Wal-Mart, Target, and others are able to continue their exponential growth, whereas smaller stores continue to fail. By taking advantage of the low prices that are offered by larger retailers, especially the ones that can purchase millions of products at a time, this savings will be passed on to you, allowing you to buy more with your hard earned money. Although it is not fair to smaller stores, you can use this information to your advantage. You might even find a way to purchase the items that you need from a manufacturer in bulk so that you can save money in the long run. There really is no mystery in regard to the difference between wholesale versus retail, but if you are trying to save money, use this information to help you purchase more merchandise every year at a much lower price.