• General

    Travel in Style With a Party Bus Rental Service

    The best way to travel in style is by booking a Philadelphia party bus rental. These buses can accommodate up to 100 people and include separate areas for kids and luggage. The drivers will know the best locations to visit for your celebration. A party bus rental Philadelphia is a great way to get to the perfect venue for your big day. You will be able to enjoy the city while being transported in luxury. To book a party bus rental, contact a Philadelphia limousine service today.

    It’s a great way to transport a large group and avoid paying for parking. Unlike traditional cars, party buses can fit a variety of passengers, from teens to elderly adults. Guests can dance in style in the limos’ dance pole. You’ll have a good time with friends and family when you rent a party bus in Philadelphia.

    You can also choose a Philadelphia party bus for your next event

    These limos can transport up to 40 people, which is perfect for any size group. You can enjoy your evening with your loved ones while traveling in a party bus! You’ll love your Philadelphia party with a limo. You’ll be able to enjoy the sights of the city without having to worry about finding parking. And you’ll be able to keep the fun going all day long, no matter where you’re going.

    Choosing a party bus in Philadelphia has a few benefits. Besides being affordable, you’ll be able to find great deals that will allow you to travel in style without stress. The limo bus’s comfortable seats, LCD TVs, and a mini-fridge make the ride a stress-free, relaxing experience. You can stay up all night drinking your favorite cocktails, making your Philadelphia celebration a great one to remember.

    If you want to party in style, you can hire a party bus in Philadelphia for your next event

    These vehicles can accommodate up to 40 people and feature dance poles and mini-bars. You can also choose to customize the party bus to fit your needs by choosing a specific color, shape, or customization. And since they can accommodate up to forty passengers, you can have the ultimate night! If you’re planning a special occasion in Philadelphia, a party bus is the perfect solution for transporting your guests.

    When looking for a party bus in Philadelphia, you need to consider a few factors. A well-equipped party bus is essential for the prom, and should be driven by a well-mannered chauffeur. A chauffeur will make sure that you and your friends feel safe and comfortable while traveling in a limo in Philadelphia. If you are traveling alone, you can choose a limo that has the highest amount of space and seating.

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  • General

    How to Estimate Your Mortgage Payments Before Buying a House

    One of the most important decisions you will face when buying a house is the mortgage payment. While many people buy as much as their lenders are willing to lend, there are ways to save money by purchasing a lower-priced house and paying off a larger chunk of the principal before closing. The best way to avoid spending more money on a home than you can afford is to calculate your monthly mortgage payments before starting the process. In this article, we’ll discuss how to estimate your payments and what to expect during the closing process.

    First of all, make sure you have a credit score that is in good standin

    Higher credit scores will help you qualify for better mortgage loans, which can save you thousands of dollars over the life of the loan. Moreover, your credit score does not need to be perfect to be a good borrower – lenders use FICO scores. If you can achieve a score that is above the minimum, that’s a great sign.

    Second, get preapproved for a mortgage

    Although it’s not absolutely necessary, a higher credit score can save you thousands of dollars over the course of the loan. You should also remember that your credit score isn’t the same as the lender’s. Your score may be higher than the lender’s, so make sure you check both. You can also apply for a mortgage loan directly from the bank and find out what their requirements are.

    Third, consider your credit score

    Even though it’s not the most important factor when purchasing a home, having a good score can help you save thousands of dollars in the long run. The FICO score is used by most lenders in the US to determine credit scores. It is important to understand that your credit score does not represent your lender’s. In fact, it is the buyer’s credit score that matters. This is why you need to work with the bank or agency that is the best fit for your needs.

    A buyer’s agent helps the buyer to find a house that fits their needs

    The agent will advise the seller on the value of the property in the area and help you negotiate a deal. The agent will also act as a fiduciary throughout the transaction. In this role, the agent will act as the buyer’s advocate and help ensure that the sale goes smoothly. In addition, the agent’s job is to make the process of purchasing a home easier for the seller.

    Once you have a mortgage approved, you will need to find a real estate agent who can help you find the perfect home. A good agent will also help you negotiate the purchase price. During the transaction, the agent will be your fiduciary and will help you avoid making bad decisions. By working with a buyer’s agent, you can rest assured that your interests will be protected. This is the most important step in buying a house.

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  • General

    Save Your Home

    Mortgage Default and Delinquency Prevention Counseling

    PCCA’s experienced, Certified Housing Counselors provide one-on-one mortgage default and delinquency prevention counseling. Our goal is to prevent foreclosure and loss of your home to Sheriff Sale. PCCA gives you an overview of the foreclosure process in Pennsylvania as well as information about the City of Philadelphia’s Diversion Court Process. The Housing Counselors are also familiar with various State and Federal programs to help distressed homeowners. In the appointment, we will review your current financial situation, credit, mortgage statements and all other financial statements to help identify the events that caused the mortgage problem. From there we will help you create a proposal or recommendation to your lender to cure your default or delinquency.

    PCCA’s Counselors will work closely with you and your bank/lender to identify the best options to help resolve your mortgage problem and avoid foreclosure and Sheriff Sale. If applicable, PCCA may refer you to social service agencies for additional help to resolve other matters that may have led to the mortgage problem.

    Some of the other topics covered during your confidential appointment include the following:

    • Creating a Hardship Letter or Letter of Circumstances
    • How to prepare a crisis household budget
    • Balancing savings and spending habits to afford your new monthly obligations
    • Information on PA Foreclosure Prevention tools including state loan programs (HEMAP)
    • How to respond to foreclosure notices (ACT 91/ACT 6 Notice of Intent to Forelcose)
  • General


    Pre-Purchase Counseling

    PCCA’s experienced, Certified Housing Counselors provide one-on-one pre-purchase counseling, which gives you an overview of the home-buying process. We review your credit and perform mortgage affordability analysis to help you determine how much you can afford to pay for your home. We also give you tips on shopping for the best mortgage rates and how to avoid scams and predatory lenders. Upon successful completion of this session you will be given a HUD Certificate of Completion and a PHFA Certificate of Completion, which verifies that you have received basic first time homebuyer education and that you meet the required criteria to continue the next steps in the process.

    Some of the other topics covered during your confidential appointment include the following:

    • How to prepare a workable household budget
    • Balancing savings and spending habits to reach your goals
    • Tips for managing your money as a prospective homeowner
    • Basic lending guidelines for obtaining a home purchase mortgage loan
    • How to get a mortgage pre-approval
    • Tips on how to repair your credit
    • Understand consumer rights and protections