Upgrade Your Automobile with Low Rate Auto Loan

div style=’float: right; width: 100px; padding: 5px; margin: 5px; background-color: #FFFFCC;’font size=1font color=’#cc0000′bTip! ... of the annual percentage rate and also on the terms of a loan./ppSecondly, credit score of a person puts ... to assume that your statement as to your good credit is accurate./font/divpAre you thinking of buying [more...]

Date: 2009-01-11 12:16:13

Blog posts (95) | Videos (115)
 

The United Socialist States Of America

I can't imagine any politician arguing against this on principle, can you? ... , and immediately lowered its lending standards. No longer would buyers need a credit rating of 700 or higher. Now, people qualify with scores as low as 621, which is 2 points above “poor” and 102 [more...]

Date: 2009-01-14 03:19:28

Volt Still Kicking as Feds Take $5B GMAC Stake

With a new $6 billion bailout from the Treasury approved late yesterday, General Motors has lowered its requirements for auto loans ... loans to customers with a credit rating of 621 or above, down from yesterday’s minimum score of 700 ... use progress on the Volt as leverage in negotiations for federal aid. So, bailout? Check. Cash [more...]

Date: 2008-12-30 21:00:12

Posts about Mortgage Market Report as of January 14, 2009

Flagstar Bank 12 to 14 month Promo CD Rate - monitorbankrates ... Online Banking Getting a Copy of Your Credit Report Islamabad An overview of housing in Pakistan ... your personal credit report to ensure that your credit score has improved. Lenders … . Read this article [more...]

Date: 2009-01-14 12:23:49

Buying the Auto Industry when Everyone’s Selling

Now is not the time to be in the car business. As the stock market plunged in October, car sales followed suit ... the heat. Credit is tight, meaning prospective car buyers will need a better credit score if they want ... this business to return to an annual growth rate that’s well in the double digits. So are we crazy [more...]

Date: 2009-01-15 19:57:40

My Brother’s Nasty Bank of America Experience

Make a couple of late payments and Bank of America will jack your interest rate up to 29.99%! ... . So I called Bank of America and mentioned that I had Credit Score that was around 750 ... of America credit card so I pulled up a statement online and come to find out it was 29.99 [more...]

Date: 2008-09-05 01:47:49

Wall Street Hyperbole and the Real Estate Markets

Tell a friend to subscribe to the RSS feed and we *might* tell Santa to not leave coal in your stocking this year! ... ), provable income and assets in line with the loan amount being requested, and a credit score above ... .  Pessimistic, drama laced hyperbole sells newspapers and drives up viewership ratings.  It also confuses [more...]

Date: 2008-09-16 20:42:21

Rates for Friday Afternoon

Mortgage rates are much improved since what I posted last week.  Wednesday and Thursday were rough on the markets as traders braced (and rightly so) for a stinky Jobs Report.  Bad news typically (but not always these days) equals lower rates ... quote below is based on owner occupied with a mid-low credit score of 720-739, “full doc” purchase [more...]

Date: 2008-11-07 21:38:07

No economic news, but Lots of investor updates

The rates are great – jump on in!  Remember that next-to-0% short term Treasury rates are helping many ARM loans reset to lower rates ... , verifying income and/or employment.” Fannie Mae has issued Announcement 08-35: Credit Score Requirements ... . How are we looking in terms of ARM re-sets for 2009? Well, not too bad! Check out the websites [more...]

Date: 2008-12-22 17:23:40

Rates on a Rocky Ride

It’s been tough on mortgage backed securities this week ... properties).  The conforming rate quote below is based on owner occupied with a minimum credit score of 720, “full doc” purchase with a sales price of $500,000 and a loan amount of $400,000 [more...]

Date: 2008-07-18 16:12:47

Exclusive: Introducing Idntiti - ratings, reputation management and community feedback

Estimated reading time ... (Credit score) score - detailing the ID Score of the individual or organization to anyone who wishes [more...]

Date: 2009-01-01 08:45:30

Bank Ratings: Is Yours in Trouble?

Chris Brunner at LewRockwell.com has posted a list of all the banks in the United States, ranked by the credit troubles they may be having. The rating system is explained here, but basically if they scored 100 or more, they are in "very serious danger of collapse;" a score of 50 or over means they are "vulnerable."A big thanks [more...]

Date: 2008-12-29 21:24:00

It’s time to refinance ~ but is your home worth enough to get that great low rate?

Short sales, Bailouts, Mortgage Reductions…there are all kinds of programs being talked about, ... .  But I have a question.  What about the homeowner who has never missed a payment, has a great credit score ... it would be simple with a history of a lifetime of great credit, right?  Nope.  Not if your home [more...]

Date: 2009-01-17 04:16:58

Mortgage Rates following a Dismal Jobs Report

This mornings Jobs Report was ugly. 240,000 non-farm jobs lost in October (higher than the expected 200,000) and unemployment at 6.5% ... with a sales price of $500,000 and a loan amount of $400,000. Rates are priced based on a low-mid credit score [more...]

Date: 2008-11-07 16:48:53

'Livin' Large' in a Car That Isn't

In an attempt to convince college students that it's really cool to drop 13 large on a domestic-branded subcompact hatchback, ... have a credit score of 790 or above are allowed in the cab. A cursory glance at the videos feels kinda creepy ... an Edsel face, but at least it gets decent crash test ratings, has better fuel economy than [more...]

Date: 2008-10-06 23:50:54

Just Tricks…No Treats for Friday’s Rates

Mortgage rates continue to trend upwards like mummies crawling out of their graves.  (Sorry…bad reach. Booooo).  October has been terrible for rates! ... and FHA jumbo loans.    We’ll end next week with the goulish Jobs Report.  Most traders should ... credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount [more...]

Date: 2008-10-31 19:48:17

Friday Rates are Improved

This week month continues to be very ugly for the stock market and traders are seeking the safety of bonds ... is based on owner occupied with a minimum credit score of 720, “full doc” purchase with a sales price ... week, watch for the Job’s Report will be on Thursday, July 3 (since Friday is a holiday) which tends [more...]

Date: 2008-06-27 22:02:21

Friday’s Rates following the Rescue/Bail Out

There have been so many factors that typically influence the direction of mortgage rates over this past week, it’s amazing.  Just this morning we had another dismal Jobs Report with a greater loss than expected ... credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount [more...]

Date: 2008-10-03 21:29:05

Mortgage Rates for Friday Afternoon

Compared to the past few weeks, this week seemed a little more calm with regards to mortgage interests rates.  30 year fixed hung around 5.875 - 6 ... is based on owner occupied with a mid-low credit score of 720-739, “full doc” purchase with a sales ... of the year, check in with your mortgage professional.  Some lenders are beginning to either pull [more...]

Date: 2008-11-14 22:14:30

Mortgage Rates for Friday Afternoon

This morning’s Jobs Report was even worse than expected with 533, ... s report.   Mortgage rates are much improved over the last rate post (pre-Thanksgiving) and slightly ... ).  The conforming rate quote below is based on owner occupied with a mid-low credit score of 720-739, “full [more...]

Date: 2008-12-05 21:22:25

Mortgage Rates: Crude and Unemployed

Today’s Job’s Reports revealed the highest unemployment in twenty years ... below is based on owner occupied with a minimum credit score of 720, “full doc” purchase with a sales ... .   Bad news with the Jobs Report is what’s keeping mortgage rates from teetering significantly [more...]

Date: 2008-06-06 19:11:41

Rain City Friday Rate Update

Conforming Mortgage Rates (loan amounts up to $417,000 for 1-unit properties).  The conforming rate quote below is based on owner occupied with a mid-low credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan amount of $400,000.  This scenario [more...]

Date: 2008-12-12 21:18:32

Barriers and Problems Refinancing a Home Mortgage in 2009

My quest to refinance my home mortgage continues. Rates are around 5.00% with no points for a 30 year fixed, last I checked ... based on LVT ratio, credit score, and loan type. For instance, take someone with a 95% LVT, good ... Fannie Mae and Freddie Mac underwriting guidelines must have an LTV ratio of 80% or less. Higher LTV [more...]

Date: 2009-01-14 11:00:51

Mortgage Mania 19 - The Jumbo Strikes Back

Amid all the celebration and hullabaloo associated with the recent drop in conforming interest rates as a result of the Treasury Department taking ... be willing to buy those that are considered low risk (excellent credit score, low loan-to-value ratio [more...]

Date: 2008-09-09 19:08:17

Checking Out Current Mortgage Refinance Rates

Inspired by Jim’s recent efforts to research a possible refinance, I decided to drop by LendingTree to see what they have to offer ... offers that don’t take into account your credit score, etc. He further stated that he could do much [more...]

Date: 2008-12-23 20:55:28

Rain City Mortgage Rates

Just a reminder that next Thursday is Thanksgiving and banks will be closed.  Our office will be closed until Monday, December 1, 2008 ... with a mid-low credit score of 720-739, “full doc” purchase with a sales price of $500,000 and a loan ... a mortgage with loan amounts of $417,001-$567,500 by the end of the year, please check [more...]

Date: 2008-11-21 22:37:18

Rates, Rumors and Reaction

This morning began with rumors of a possible Government take over of Fannie and Freddie which caused the GSEs stocks to further tumble ... occupied with a minimum credit score of 720, “full doc” purchase with a sales price of $500,000 and a loan [more...]

Date: 2008-07-11 21:13:07

Good Time To Ask About Refinancing Your Mortgage: I Might Save $50,000!

With the rate drop yesterday, mortgage rates are at amazing lows. People in the office are bragging about locking in 4 ... . (Especially if you have a good credit score and a loan-to-value ratio below 90%.) My favorite source [more...]

Date: 2008-12-18 11:53:02

Greenpeace not giving Apple enough green credit

According to a new article by BusinessWeek, ... . In fact, Apple’s score on their overall “greenness” has barely inched upward. And this is accounting ... for environmental ratings rather than the efforts actually taken. It’s interesting to say the least [more...]

Date: 2008-12-08 20:39:05

Auto Bubble Breakdown

Cheap financing led to soaring loans.The same chart with the financing rate axis reversed shows the strong correlation between the financing rate and ... they didn't need a new car every 30,000 miles, but they also found it difficult accessing cheap credit as lenders reigned in lending (i.e. GMAC refused to lend to any borrower with a FICO score under [more...]

Date: 2009-01-12 13:53:00

Analyst Box Score: Lehman Brothers

With shares of Lehman Brothers Holdings Inc. showing all of the resilience of Brave Sir Robin, down in trading again Tuesday, two analysts took it upon themselves to lower ratings on the shares, after maintaining long-held ... , and this has clearly failed that test. Also lowering shares were analysts at Credit Suisse, who dropped [more...]

Date: 2008-06-10 16:08:10

Understanding Credit Score Ratings

By William Blake The credit score rating scale is a confusing numeric system to understand ... on your credit report. Also having a lot of outstanding debt with large balances and/or high rates ... That You Need Credit counseling is readily available free of charge to any who desire to better [more...]

Date: 2009-01-05 14:21:43

9 Reasons for a good credit rating or FICO score

Does my credit rating really matter? That question goes through a lot of people’s heads as they max out their credit card or don’t pay their ... . They check your credit score when you fill out a rental application because they like to know what kind ... kind. Having good credit can mean the difference between homely and homeless! 3. Employment [more...]

Date: 2008-12-22 12:22:27

State, county score top credit ratings

The markets are down, the financial sector is a shambles, and yet even facing an economic downturn and declining revenue projections, Washington state government bonds continue to enjoy one of the highest credit ratings ... by these credit rating agencies, our high ratings are largely due to the sound financial management [more...]

Date: 2008-10-15 22:46:16

Basic Credit Scoring 101 For A Better Mortgage Rate

by Rob Kosberg Credit scoring is becoming more important to mortgage pricing so now would be a terrific time to brush up on your credit education ... balances should hold steady at no more than 30% of the card limit. The credit bureau believes ... is one of the major credit scoring companies. All can learn from the numerous pages of financial tips [more...]

Date: 2008-12-30 08:22:00

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

Abolish Credit Rating Agencies? Some Say So

In an article I wrote back in April of 2007,  I assigned blame to various individuals, industries, ... a credit score (rating) from Experian (rating agency, who is competing with other rating agencies ... , of the credit rating agencies, such as Moody’s Corp. (NYSE: MCO), Fitch’s, and Standard & Poors [more...]

Date: 2009-01-06 17:56:14

Credit Scores & Car Loans

Q: What credit score is needed to get a car loan? What are the best options in your opinion? Any help would be appreciated. Thank you so much. Sincerely, Julie A: Even though the economy is seeing a mild recovery, credit is still tight which means it may be difficult to find a low interest rate car loan unless your credit score is above average. [more...]

Date: 2009-10-01 05:00:30

Understanding Corporate Credit

by Mary Bush One of the most common misconceptions relating to corporate credit is that it works just like personal credit ... credit rating and score. So paying your bills on time and not having a high balance on available sources ... . Do you know what is on your business credit report? At least once a year you should be examining it very [more...]

Date: 2009-01-04 09:38:22

Understanding Corporate Credit

by Mary Bush One of the most common misconceptions relating to corporate credit is that it works just like personal credit ... credit rating and score. So paying your bills on time and not having a high balance on available sources ... . Do you know what is on your business credit report? At least once a year you should be examining it very [more...]

Date: 2009-01-03 22:23:56

Confusing Consumption With Investment

People are now waking up to the fact that what that real estate investment guru was pitching at the seminar wasn’t necessarily an "investment": ... of resources.Card credit credit score Credit repair forum Providian credit card application Va home mortgage loan rate Purchase prepaid credit card Christian consolidation counselor debt Experian [more...]

Date: 2008-06-24 14:10:35

Bad Credit Doesn’t Have To Mean No Loan Help

Everyone faces unavoidable financial problems at some time and find that they are in an impossible situation and unable to meet their obligations ... rate for a home mortgage loan will depend upon your credit rating. If the credit score is 600 ... , but that is not necessarily true. There are two types of bad credit personal loans, secured and unsecured. [more...]

Date: 2009-01-16 09:36:37

Credit Score Rating Scale

by William Blake It is important to improve or protect your credit scores ... . If your scores are below 450 it will be almost impossible for you to obtain any type of loan or credit ... system that is used to determine a persons credit scores. But it is helpful to try to understand [more...]

Date: 2009-01-06 14:23:22

Top 10 Credit Mistakes

Learning the easy steps to repairing your credit can be a big relief and get your financial life back on track. Most children are not trained in how to handle credit by their families other than with vague ... about interest rates, revolving credit and credit scores was often not taught or even understood well by most [more...]

Date: 2009-01-03 21:11:04

Free Credit Report

Most individuals only think of credit scores if they are applying for loans ... score by keenly monitoring the credit ratings and identifying any problems and discrepancies in the process. In addition, the site also gives idea to people about the factors affects my credit score [more...]

Date: 2008-12-31 02:11:23

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