If you have a lot of cash on hand and can put down 35% or more, you no longer have to worry about your credit. In that instance, the mortgage bank is only looking at the equity in the deal. If you default, they will still do okay after they foreclose and sell your home.

On the other hand, if you have really good credit, and the definitiion of "good" or "excellent" can vary from lender to lender, you don't need as much cash. So, if you're stuck somewhere in between, you can try to improve your credit or come up with more cash.

In today's environment with inflation starting to rear its ugly head again and many couples holding down two jobs just to get buy, getting more cash is not always easy. One of the better ways to do this is to come up with a part time job, or a totally new, higher paying job. I know you've already thought of that and like most people are probably stuck thinking, "Yeah, but where?".

Well the internet is a good place to start looking. Just like you started your home search on line. You can take part in paid surveys, do mystery shopping, find a hobby you can make some extra income with, get involved in on-line auctions, sell jewelry, cosmetics, health supplements, etc., etc. Look around at the variety of ways to earn a living off line. There are just as many ways to earn your living online from the comfort of your own home and start part time.

No child day care expense, no gas bills, no work clothes expense and some tax benefits thrown in. But where to start the search?

One good place to start is with affiliate programs. You can find a lot of information on affiliate programs as well as other sources of extra income at my new site http://www.workfromhomemall.com. Check it out and let me know what you think!

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