You must be current on your mortgage, and not have been delinquent on any payments in the last 12 months. You will not be eligible for HARP if your loan is serviced by the Federal Housing Authority (FHA), the Veteran's Administration (VA) or the Department of Agriculture (USDA). Make sure your mortgage is owned by Federal Home Loan Mortgage Corporation, also known as Freddie Mac, or Federal National Mortgage Corporation, called Fannie Mae. You will also need to submit to a credit check. The new HARP 2.0 is now unlimited loan-to-value for fixed rate loans with 30-year terms or less. You can use national banks such as Wells Fargo and Bank of America, or local banks and credit unions in your community.
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One-sentence summary -- Check your payment history. Find out who owns your mortgage. Demonstrate you have the income to afford your monthly mortgage payments. Don't Be Concerned with a Home Appraisal. Find a lender who will make HARP loans.

Create a barrier between yourself and the rest of your household. Store everything you need for your work in your office so you can be efficient in your space. Keep everything work related out of the rest of your home to help you maintain a work-life balance. Even if you live alone, you need a space that can help you create a work-life balance. In a busy home, find a quiet area away from household noise and distractions. If you will meet with clients, work out of a room with a separate entry or that is very close to an outside door. If you do work that creates a lot of noise or dust and debris, work far away from the rest of your house in a garage, an outside structure, or a place you can easily clean, like a utility room. If you live in an apartment or small home without an extra room, you can still set up an efficient home office. Designate any separate space you can exclusively for work. This is better than working from your couch or bed. Carve out a workspace in your closet by removing the doors and installing a small table, chair, shelves, and good lighting. Put a desk, chair, shelving, and light sources in a corner of your kitchen or another room in the house. Avoid working from your bedroom to maintain the best sense of work-life balance. Find a space with a window if natural light is important to you. Put your office in an area of your home where the temperature will be comfortable for you all day. Find an office space with a door if you need it in order to shut yourself off from the rest of your home.
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One-sentence summary -- Separate your workspace from the rest of your home. Make the most of your space. Choose surroundings that are conducive to your work.

Go online and take notes on information about how to protect yourself from scams and identity theft. This information will be essential when it comes time to discuss the possibility of getting a Facebook account. Look for apps and firewall software that will monitor risky activity on your computer to prevent viruses and malware. Your parents may want additional protection if they agree to let you use social media. You have to be at least 13 years old to create a Facebook Account. This limit may be different in certain countries. Before you talk to your parents about getting a Facebook account, jot down all of the reasons that you want to make a profile on a piece of paper. Consider which reasons your parents are likely to agree with, and focus on those. Write out a few points that you can make when talking to your parents. "Because it's fun" or "I want one" are not good reasons for getting a profile. Think about the features that you plan on using and focus on those. "I need a Facebook account to remember birthdays," "I want to talk to my friends outside of school," and "I can be invited to important events" are all valid reasons for wanting a Facebook profile. Facebook may have a reputation as a waste of time, but there are plenty of valid reasons to get a Facebook page. When building an argument, focus on how easy Facebook makes it easy to talk to people that you would otherwise lose touch with. If you have family members on Facebook, say that you want to get closer to them. If you're almost at the age where you can get a job, point out that Facebook is an excellent way to network and learn about new opportunities. Your parents may not know that Facebook is used as a networking site. Find a public Facebook group that focuses on job hunting. Show it to them, and explain that Facebook can serve as a positive tool if you use it correctly. before presenting your argument. One of the worst things that you can do is get up in front of your parents without having practiced your speech. Once you've identified some reasons that you should have a Facebook, practice explaining them out loud in your room. Look at yourself in a mirror as you speak to see how your body language is influencing your argument. Practicing your presentation is a good way to figure out which arguments you feel confident about, which can give you a clue about where to start your speech. Your parents are likely going to raise concerns about your privacy and safety when you're online. To respond to this counterargument, explain to them that you can block strangers on Facebook. You can also change your privacy settings to keep people from finding you in searches. Your parents may not know about the privacy features on Facebook. Don't assume that they know how to change them, even if they have profiles themselves.
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One-sentence summary --
Research internet safety and Facebook policies. Make a list of all of the reasons that you want a Facebook account. Focus on the benefits of getting a Facebook profile. Practice your pitch Find out how to block strangers from contacting you.