Author: Nitin Agarwal

Both high fat and low fat diets can contribute to hair loss. High fat diets increase the amount of testosterone in a male and low fat diets decrease the amount of testosterone. Testosterone levels that are not stable are what can increase the risk of hair loss, so you must balance the amount of fat in your diet.

Certain oils out there are able to help aid in hair growth, and grape seed oil is always a favorite. This oil is incredible in many ways in terms of medicinal quality, and many people have found that massaging the scalp with a few drops of this wonder oil can actually enhance hair growth over time.

There are dozens of potential causes for excessive thinning or loss of one’s hair, but that doesn’t make the condition any less devastating or alarming. The advice in this handpicked selection of hair loss tips and tricks is sure to offer some comfort and much-needed insight into the nature of the problem.

Try using natural products in your hair and avoid stripping your hair using chemicals that are killing your follicles.

One of those changes might be hair loss. To help minimize the negative effects of stress on your hair, try meditation.

The increased circulation brings nutrients to the hair, thus causing hair growth.

Men and women who are faced with the prospect of losing their hair may experience a great deal of anxiety or upset as a result. By using the information in this article, these individuals can take the first steps to addressing the problem of hair loss and coping with the situation with less distress.

If you are experiencing hair loss, get some blood flow to your head. Simply touching your toes for about 3 minutes can also help.

Do your best to avoid alcohol. Not only is alcohol high in calories and sugar, it can lower your blood levels of zinc, vitamin C and vitamin B. Loss of these vitamins on a regular basis can result in hair loss because growth depends on those chemicals. As you lose those vitamins you end up losing your hair.

Avoid overuse of various chemicals in your hair. If you are continuously dying, treating, and using other types of chemicals in your hair, you will be more apt to begin balding prematurely. Try using natural products in your hair and avoid stripping your hair using chemicals that are killing your follicles.

Brushing your scalp will help stimulate hair growth. The increased circulation brings nutrients to the hair, thus causing hair growth.

Not only is alcohol high in calories and sugar, it can lower your blood levels of zinc, vitamin C and vitamin B. Loss of these vitamins on a regular basis can result in hair loss because growth depends on those chemicals.

Both high fat and low fat diets can contribute to hair loss. Testosterone levels that are not stable are what can increase the risk of hair loss, so you must balance the amount of fat in your diet.

Have you ever wondered why you are fat and have considered going on a weight loss dieting program? You must know why certain food makes you fat if you did.
We have pastas, pizzas, white rice, spaghettis, bread, refined flour food and confectionaries in almost if not all our meals. Just look at the queues at the fast food joints on a regular day and you will know what I mean.
Some of us are reluctant to embark on a weight loss dieting program to lose that excess baggage (body fat) because we think it is an exercise in sheer willpower and futility.
“You are asking me not to eat bread/rice/pizzas/ ice-creams, hamburgers and chocolates my entire life? For those who incessantly snack on biscuits and chocolates between meals to stave off hunger while working at the office, here is why.

Because of the food you chose to eat earlier at an earlier meal, you unwittingly and naturally reach for such snacks. If you start the day with three or four slices of white bread spread with fruit jam or margarine and then wash it down with coffee and sugar, you can be sure you will be craving for snacks by mid-morning even though your breakfast was a filling one.
When your food made up primarily of carbohydrate, especially refined carbohydrate like white bread and pizzas, with little protein or fat, not to mention high in sugar, your blood glucose surges crazily following that meal.
To counter the effect of extreme glucose surge in your blood stream, your pancreas will pump more insulin than usual to bring your blood glucose level down. When this happens, you start to get hungry and crave for more sweet stuff and more carbohydrate. Choosing the food in your meal is important so that you will not get hungry fast and then consume more calories to satisfy that hunger upsetting your natural weight loss dieting program.
When more carbohydrate is consumed than can be stored by your liver and muscles as glycogen, they are naturally converted to fat. What should you do?
Well, you can start to limit your carbohydrate consumption (note that I said limit and not stop) and on top of that, choose slow digesting carbohydrates especially carbohydrate with fibers like fibrous vegetables, fruits, legumes, brown rice and brown bread, your insulin spike will not be so eccentric and therefore you will not get hungry or having your sweet tooth so often.
Now think about it, if you do not reach for your snacks and sugary drinks that often, it means that you are consuming fewer calories. If your caloric consumption is less than your caloric expenditure, you are right on a natural weight loss dieting program without even realizing it. Better still, you are not going on a hunger and starvation diet because you will not get hungry that easily.
Just imagine now that you are losing weight naturally, what if you incorporate an exercise routine into your natural weight loss dieting program to burn off some more calories? Your natural weight loss result will be amazing wouldn’t it?
Now that you know why you are fat, let’s get started on this natural weight loss dieting program.

We have pastas, pizzas, white rice, spaghettis, bread, refined flour food and confectionaries in almost if not all our meals. Just look at the queues at the fast food joints on a regular day and you will know what I mean. When this happens, you start to get hungry and crave for more sweet stuff and more carbohydrate. Choosing the food in your meal is important so that you will not get hungry fast and then consume more calories to satisfy that hunger upsetting your natural weight loss dieting program.
If your caloric consumption is less than your caloric expenditure, you are right on a natural weight loss dieting program without even realizing it.

When getting advice from anyone on the topic of weight loss and exercise, you should take a good look at them. Maybe you should consider getting advice from someone else if they are overweight. You should consult someone you know has experience in losing weight to get the best tips.

An often very tricky task, weight loss, does not have to be so tricky if you have the right information to get you on the track to losing fat cells. This article will make sure you have the information you need to get to the waist size that you want to see yourself in.

Try mixing up your exercise routine a bit once in a while if you find yourself hitting a plateau in your weight loss or fitness goals. Work different muscles and areas of your body and you may be able to burn off more of the fat that your previous routine wasn’t targeting.

Knowing portion sizes is absolutely vital to your weight loss success! Most of us can not measure a quantity or calculate calories without some type of chart or guide so make certain you have some way of knowing how much you are consuming and how many calories it has! You would be surprised at how much all the little miscalculations add up to in weight loss or gain!

Set a realistic weight loss goal. Most physicians and weight loss experts recommend not attempting to lose more than one to two pounds per week. More than that, and you risk burning yourself out on dieting, losing lean body mass as well as fat, and leaving yourself with large amounts of unwanted loose skin.

Try topping salads with a squeeze of lemon or lime. These citrus alternatives flavor your salad without packing on fat and calories. High-fat dressings are one of the top soures of fat, and by eliminating salad dressing that has fats and creams, you can have a salad without worrying about the effect it will have on your waistline or cholesterol levels.

It’s time for you to get into the pants that you haven’t fit into since you were younger. This can often be easier said than done. Now that you have read this article and gotten the information you need to change your life, it is time to use it and make a difference.

A great way to help you lose weight is to try following a raw food diet. Eating nothing but raw foods such as vegetables and fruits, is a great way to insure you’re getting fresh, quality nutrition. By eating raw foods you’ll also be much healthier in general.

Do not just set a goal to lose weight. If you can decide to stick with the program, it will be easier for you to make the commitment and stick with the program, in order to reach your goals.

Weight loss is easy when you make sure that you have the right snacks. Set a realistic weight loss goal. Most physicians and weight loss experts recommend not attempting to lose more than one to two pounds per week.

When getting advice from anyone on the topic of weight loss and exercise, you should take a good look at them. You should consult someone you know has experience in losing weight to get the best tips.

When you make sure that you have the right snacks, Weight loss is easy. When it comes to losing weight, it is usually snacking that causes people the most grief. Eating fruit and vegetables as snacks is the best way to not add unneeded calories into your diet and not gain weight.

We also need organization skills, which will improve our relationships. This means we must ask questions of our self.

Sometimes when our mate, friends or family says they are done, it is a sign that they are struggling to figure out the problem. They often realize that the problem is neither completed nor solved, so they will drift off until they find answers. It leads us to see we have to develop a healthy self and relationships in order to keep the relationships strong.

It leads us to see we have to develop a healthy self and relationships in order to keep the relationships strong.

Use your self-time to contemplate on what you need to do to improve your relationships with self and with others. By doing so an entity can build his or her organization skills, and learn to keep his or her relationships healthy; Question the self each day so that you can reflect on ways to improve your life.

In relationships, we must learn the importance of the leader and the follower. If you have two leaders in a relationship, likely it will fail. Regardless, we need to learn balance to help us become effective leaders and followers in order to develop the healthy self and relationships we set out to achieve.

This process breaks our familiar structure, which can lead to major problems. Keeping change in sight will help you manage your self and relationships effectively.

Regardless, we need to learn balance to help us become effective leaders and followers in order to develop the healthy self and relationships we set out to achieve.

In our everyday life we are expected to handle our own responsibilities, however our relationships sometimes asks that we also help them with their duties. We need to stay healthy and strong to enjoy a life long relationship with others.

To improve these skills we must rely on our reflections, observation, and our ability to assess the inner self and others. Questioning how you handle problems with the inner self can help you advance your skills. It is our duty to question the self, asking what we can do to become more successful in our relationships and in our life.

Use your self-time to contemplate on what you need to do to improve your relationships with self and with others. By doing so an entity can build his or her organization skills, and learn to keep his or her relationships healthy; Question the self each day so that you can reflect on ways to improve your life.

Keeping change in sight will help you manage your self and relationships effectively.

A truly healthy relationship will consist of both partners who are interested in expanding a relationship and learning so that it continues to improve.

There are reliable tools that can be used to create a healthy relationship, many of which have not been taught in our culture. Follow these simple guidelines if you want to have a really healthy relationship.

Everyone who is in a relationship or cares about their relationships may need assistance at some time to help them deal with problems or difficulties in a relationship, learn how to from or improve relationships, cope with a relationship that has broken down and help to change a relationship where there is violence and abuse.

When sincerely given freely in a relationship, forgiveness may heal relationships that are suffering. If you are unhappy in your relationship, make an effort to learn how you might create a better relationship for yourself rather than try to change your partner.

Whatever your age and experience, a relationship can bring you new and demanding challenges. Being able to handle conflict and deal with differences is important in maintaining healthy relationships. Everyone who is in a relationship or cares about their relationships may need assistance at some time to help them deal with problems or difficulties in a relationship, learn how to from or improve relationships, cope with a relationship that has broken down and help to change a relationship where there is violence and abuse.
All couples experience problems in one form or another– it’s part of sharing your life with another human being. The difference between a healthy relationships that work, and those that don’t, is how well couples deal with the problems and challenges they face in their life together.

Research have shown that people in supportive, loving relationships are more likely to feel healthier, happier, less stress and satisfied with their lives and less likely to have physical or mental health problems or to do things that are bad for their health. Listening and talking are probably the most important skills in a relationship.

· Do not expect anyone to be responsible for your happiness. Too often, relationships fail because someone is unhappy and blames their partner for making them feel that way. Make yourself happy first, and then share his or her happiness.

· Appreciate yourself and your partner. One definition of appreciation is to be sensitively aware so you don’t have to be sugar-coating anything; so tell your beloved that you love him or her, and that you don’t want to argue but to talk and make it better.

If you’ve been rude to your partner, own up to it, and get try to think of ways how you might do it differently and in a positive manner next time. If you are unhappy in your relationship, make an effort to learn how you might create a better relationship for yourself rather than try to change your partner.

We learn that it is often in or though intimate relationships that our romantic, companionship, and intimacy needs will be met. While each of these stages of relationships can be challenging and difficult, it is commonly when relationships end or “don’t work out” that we struggle the most.

It can have the power to transcend all offenses, small and great, and learning to forgive another takes honesty, respect, and patience. When sincerely given freely in a relationship, forgiveness may heal relationships that are suffering.

· Do not do anything for your partner if it comes with an expectation of reciprocation. Keeping score in a relationship will never work: a person is less likely to value and notice all the contributions of their partner as much as their own.

We are attracted to the partner with whom we can learn the most, and sometimes the lesson is to let go of a relationship that no longer serves us. A truly healthy relationship will consist of both partners who are interested in expanding a relationship and learning so that it continues to improve.

While each of these stages of relationships can be challenging and difficult, it is commonly when relationships end or “don’t work out” that we struggle the most.

Sometimes we have to look at our habits to decide what we must do to cultivate healthy relationships and most importantly a healthy self. All of these habits will break our spirit and cause us to have bad health. Once you have bad habits, it is so hard to break it.

Like all bad habits your going to have to work at it, this going to take some time so don’t rush your self and beat your self up when you fail. Once you have decided that this is what you want to do then you might want to think of a replacement for your habit.

Things that are not good for you and your health like smoking, drinking, and drugs, over eating, is just a few habits we should focus on. Habits are hard to break, but if you work on self-improvement, you will cultivate the inner strength to overcome the habits that get in the way of your health.

How can breaking bad habits improve my relationships?
Breaking bad habits can improve you in many ways. Your mate probably hates kissing you if you are a smoker. Which improves your relationship if you stop smoking your mate may become more affectionate.

If this is a habit, then it is something you will want to break in order to develop healthy relationships and the self. Thus, work toward better health and healthier relationships by putting those bad habits away. You can find inner strength to support you, which is the process of creating the healthy self.

We must use positive affirmatives at all times to state what we expect of our self. This will lead you to decide why you want to stop. You want to consider health reasons in this instance, since your goal is to develop the healthy self and relationships.

It will not be easy to do at first but in time, it will become easy for you. It is just going to take some time.

Sometimes we have to look at our habits to decide what we must do to cultivate healthy relationships and most importantly a healthy self. All of these habits will break our spirit and cause us to have bad health. Like all bad habits your going to have to work at it, this going to take some time so don’t rush your self and beat your self up when you fail. If this is a habit, then it is something you will want to break in order to develop healthy relationships and the self. Thus, work toward better health and healthier relationships by putting those bad habits away.

Keep in mind; it takes time to break old habits. You will have to work at breaking the habits each day.

Your body contains incredible intelligence and healing ability. I then placed my attention inside my body and became aware of all the pain and discomfort in my back. My body gave me a glimpse into the, pain, fear, anger, guilt, and hurt which I had suppressed since childhood. Tears rolled down my cheeks as I observed the dense energy and trauma release and the healing energy penetrate the cells of my body.
Start focusing on your head (then other parts of your body).

Your body contains incredible intelligence and healing ability. This part of you, we’ll call it the inner healer, has incredible abilities to heal on all levels; physical, mental, spiritual and emotional.

You can consciously access the inner healer and request it to guide you on your path of health and wellbeing. Many people do this through meditation but all that is required is directing your focus back towards yourself and your body.
Your inner healer is constantly communicating messages to you. It does so, using different communication channels, such as pain and discomfort in various parts of your body, thoughts in your mind, intuitive feelings and knowing.
Most problems begin with mental attitudes and occur in the person or the aura’s energy field. The problem enters the emotional and then the physical body if the person doesn’t know how to pay attention to the subtle signs his or her body gives.
Here is a checklist to demonstrate some of the possible ways your inner healer tries to alert you.
Physical Symptoms
Lack of energy, stress and tension in your body, pain, frequent colds, irritation, itching, illness, disease, infection, deteriorating of organs, falling, hurting yourself, etc
. Emotional Symptoms
Feeling angry, depressed, fearful, unhappy, guilty, and resentful. Feeling emotionally depleted, etc
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Critical thoughts which create negative experiences. Finding something wrong with everyone and everything. Experiencing bad luck.
Feeling uninspired. Unable to see blessings in challenges. Feeling like something in your life is missing.
Through these symptoms, your inner healer gives you an opportunity to recognize your unhealthy attitudes and heal them. Once you are aware of it, you can only change a situation.
Your body is like a living and breathing sponge. One of the reasons I know this is because I have been working as an intuitive healer for many years.
After suffering with debilitating back pain for years it was getting to a point where, for days on end, I literally could not walk. Some techniques helped slightly, it was all temporary.
I discovered that often our biggest breakthroughs occur in the midst of a lot of pain and turmoil. , if we are open to learn and grow these experiences can be our biggest blessings.
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I told the Chiropractor, I felt like I was an old decrepit woman. His reply was that my body wanted to be like that and there was little to nothing he could do.
I left his office still in pain and feeling very angry. A realization dawned on me; the more I wanted someone to save me the more of my inner power I gave away. I knew that the only way I had any chance of healing was to help myself by being willing to discover the purpose of my pain.
As I prayed I felt my heart open and a warm gentle energy surround my body. My inner healer began to awaken.
When you let go of attempting to control situations and people and allow the divine power to take over, miracles occur. You can begin to trust a higher intelligence that does if you can recognize that you do not understand all the factors involved.
I then placed my attention inside my body and became aware of all the pain and discomfort in my back. After a short while I started to see images and hear messages from my body.
My body gave me a glimpse into the, pain, fear, anger, guilt, and hurt which I had suppressed since childhood. I was amazed at the insights I was receiving during this healing as I allowed myself to feel the pain and forgive. Tears rolled down my cheeks as I observed the dense energy and trauma release and the healing energy penetrate the cells of my body.
After the healing, I felt extremely light. The pain was gone and my back was straighter. Soon after, I could walk for hours without getting exhausted or experiencing any pain.
This self punishment eats away at your spirit, body, mind and emotion. The question I now ask myself is who am I not to experience the greatest good?
Like most people, I initially found all the information I received overwhelming, as I was quite skeptical. As I started helping others, I continued having amazing experiences. I discovered that just like with myself, I had the ability to tune into other people’s bodies and see what was happening, on different levels.
One of my earliest experiences was with Tania, a girl I hardly knew, who visited me. When it didn’t go away I decided to tell her what I was seeing.
I knew she had some health problems, so I asked her if she had any problem with her liver. Soon after I shared that, information about her health and her past started flowing in. I saw that her liver condition was genetic and that it came from her grandfather.
While I was sharing this information I felt inspired but at the same time a bit nervous. I knew that I was connecting to a profound wisdom rather than just making things up, as the information was accurate and personal. Tania confirmed everything I said and was quite moved by the insights she received.
Healing myself and assisting others to heal constantly reminds me of how natural it could be for everyone to communicate with their bodies and how necessary it is for people to learn how to do it effectively. Learning about yourself and then accessing your healing abilities is like exercising your muscles. The more you perform the right exercises, the stronger, healthier and happier you become.
As a healer, I believe my job is to be a messenger and to help open a new pathway of communication for people, helping them to release blocks to healing. Most people require some assistance and support on their healing journey, whether from their family, friends or from an experienced practitioner.
Below is a fantastic exercise to help you connect to your intuition and communicate with your body: Find ten to fifteen minutes of time where you won’t be interrupted.
Get into a comfortable position where you can relax.
Have a pen and paper by your side, so you can record any important or interesting information.
Close your eyes, take a few deep breaths and begin to focus inside.
Start focusing on your head (then other parts of your body). What does it feel like?
Open your eyes and record anything unusual.
Ask your head (or the part of the body you are working on) to share any messages it has for you.
Record any messages and move on to another part of your body once you have done that.
( Sometimes it helps to place your hand onto the part of the body you are communicating with. Experiment with this technique to find a method that works best for you.).
Developing a relationship with your inner healer will enable you to achieve the lifestyle you want with greater ease. , if you wander off track you can also consult your inner healer for the best course of action.
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The more you get to know your inner healer the more it will assist you by giving you important messages. This way you will also be practicing preventive medicine and will save yourself a lot of money, pain and time searching for answers from others, as you will have immediate access to solutions yourself.

Every year approximately 9.5 per cent of the American population suffers from depression. Depression is a grave illness that affects day to day life and destroys families. It is a disorder that controls the mind and its functions causing loss of appetite, sleeplessness, mood swings, and a deep sense of despair.

And, according to experts depression can be an inherited disorder, or caused by life threatening illnesses, or stress. Women are seen to experience depression more than men and this is attributed to hormonal swings, menstrual cycle changes, pregnancy, miscarriage, pre-menopause, and post-menopause.

Common symptoms are:

1. An unshakeable sadness, anxiety, or emptiness.
2. Overwhelming hopelessness accompanied by pessimistic feelings.
3. Extreme guilt, feelings of helplessness, and no sense of self worth.
4. Loss of energy, a slowing down of metabolism, and activity levels. Being plagued by constant fatigue.
5. A sense of helplessness along with an increasing inability to focus and indecisiveness.
6. Loss of sound sleep and development of extreme insomnia.
7. Inexplicable weight loss or weight gain. Triggered by loss of appetite or eating binges.
8. Suicidal and brooding inclinations.
9. Irritability, short temper, as well as restlessness.
10. Physical afflictions like headaches, digestive disorders, and chronic pain for no particular reason.

If your depression escalates or you are suicidal seek help from your family physician or health care provider.

, if you experience any of the above along with a marked change in behavior do consult your doctor.. He will give you a thorough examination to rule out physical causes for depression as well as any underlying medical problems. If required he will recommend that you consult a psychiatrist or psychologist.

, if your depression escalates or you are suicidal seek help from your family physician or health care provider.. Do call a local health department, a community mental health center, or hospital or clinic. Someone will extend a helping hand and talk you through the crisis.

Depression is a grave illness that affects day to day life and destroys families. The symptoms of depression are varied and the severity changes with time. And, according to experts depression can be an inherited disorder, or caused by life threatening illnesses, or stress. Women are seen to experience depression more than men and this is attributed to hormonal swings, menstrual cycle changes, pregnancy, miscarriage, pre-menopause, and post-menopause.

Change your life by setting yourself a few goals. Make up your mind to enjoy a movie, ballgame, family picnic, trek, or outing. Treatment can include: anti-depressant medicines, psychotherapy, as well as lifestyle changes.

At times, we take more than we can handle. Take the time to re-evaluate and re-assess your priorities. Relax, catch your breath, even for a short time, because you have to take the next step. Deep wounds need healing and this takes time. Quiet time and time alone to reflect is a good way to get energized and prepare to move on.

Forgive what needs to be forgiven. Forgiveness can be liberating.

It helps to get away from the source of conflict to gain a better perspective and to re-group your thoughts.Take a vacation. A day away from it all will probably do if this is not feasible.

Life goes in cycles – sometimes the cycle is up, then it goes down, like the spokes of a wheel. Sorrow and grief comes to everyone sooner or later.

Deep wounds need healing and this takes time. Retreat is a good start- retreat from all that is worrisome, aggravating and confusing. Quiet time and time alone to reflect is a good way to get energized and prepare to move on.

This is the time to recharge your energies. It is a time to heal, soul, mind and body. It is a time to recognize the chaos and confusion that can cause delusions or illusions and make peace elusive.

Plan the next stage, for life’s problems do not dissipate into thin air. Pull yourself together, empower yourself so that your actions and thoughts are in harmony with your highest truth of who you are. Validate your beliefs.

Take the time to re-evaluate and re-assess your priorities. Relax, catch your breath, even for a short time, because you have to take the next step.

Anxiety and worry cloud anyone’s judgment. Perhaps, there is a need to cut some slack for now. What would you change if you were faced with the same situation?

Life is not always a pleasant walk down the garden path.Who has not known pain and anguish? Who has not suffered the wounds of a relationship discord? Problems are challenges life casts our way.

Healing takes time, allow yourself that. Remember, time is a great healer, if you let it.

We navigate through the detours and face dead-ends in our journey. We set sail, aware of the possibility of stormy weather that can develop overnight. We are determined to ride out the storm and not get lost in it.

At times, we take more than we can handle. We are caught up in giving ourselves to the call of duty. We tend to justify the demands on our time and energy.We forget that the world will go on, with or without us.

Do you listen to the signs your body sends to slow down or take a much needed rest? There is only so much pain or suffering one can bear.There is a limit to human endurance.

A grieving heart affects the spirit, mind and body deeply. Sometimes the pain is buried so deeply where no one can reach it, much less touch it.

Frustrations, failures, relationship issues, career and family concerns, financial issues, health problems and having too much on the plate all add up to stress.

Peace becomes elusive. Perspective is not as sharp, there is too much clutter in the mind.

Take a breather. This is not running away, woes are still hovering over and waiting. Taking a respite from it all paves the way to healing the accumulated mental and emotional stress.

Many banks will allow you to have as little as 5% into a home purchase, but will then only loan you 80%. The seller can take payments on a second mortgage from you for the other 15%.

This is the age of creative real estate financing. Maybe you remember when financing meant you saved up enough to put 20% down on a house, and then got a mortgage loan for the other 80%?

Manufacturer loans. Manufactured-home companies are arranging financing with 5% or less down for their buyers.

1. State government housing programs. Most states have some sort of financing help in the form of a loan-guarantee program or outright loans for low-income buyers.
2. VA mortgage loans. If you have been in the armed services, have a decent job, and can save two or three paychecks, you can probably get a home with a VA loan.

Called a “land contract” and other names depending on the part of the country you are in, this just means that you make payments to the seller instead of a bank. It’s up to you and them to negotiate downpayment amount, interest rate, and the term of the loan.

In some parts of the country, builders fund foundations that give you a portion of the downpayment, so you can get into a home with as little as 3% downpayment from your own pocket. FHA and other lenders have so far approved of or allowed this.

1. FHA mortgage loans. The Farm Home Administration doesn’t actually loan the money, but guarantees your loan for the bank, so they can loan up to 97% of the purchase price, depending on the particular FHA program.

They are for those of you with bad credit but 20% to 30% to put down on a home.

That 7% return might look awfully good if their money is sitting in the bank at 2%.

Are there more ways to approach real estate financing? When you start investing, you can use other techniques for really creative real estate financing.

A risky way, but if you have a low-interest credit card, you can use it to come up with the downpayment, especially if you can pay it off soon, perhaps with a coming tax refund. The banks generally won’t allow this, but you can combine this with seller financing.

“No-doc” and “low-doc” loans, meaning no or low documentation requirements, are back, and you can find them through online banks. They are for those of you with bad credit but 20% to 30% to put down on a home.

Maybe you remember when financing meant you saved up enough to put 20% down on a house, and then got a mortgage loan for the other 80%? Many banks will allow you to have as little as 5% into a home purchase, but will then only loan you 80%. The Farm Home Administration doesn’t actually loan the money, but guarantees your loan for the bank, so they can loan up to 97% of the purchase price, depending on the particular FHA program.

Friend and family loans. That 7% return might look awfully good if their money is sitting in the bank at 2%.