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7 Deadly Buyer Mistakes to Avoid

by Rob Kosberg 1. Have your credit checked early in the process ... . It is not enough to get a free credit report from a single credit reporting agency. It is important that you have a mortgage planner obtain a tri merge report. This will provide scores from all 3 reporting [more...]

Date: 2008-07-16 20:08:42

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7 Deadly Buyer Mistakes to Avoid

By Rob Kosberg 1. Have your credit checked early in the process ... . It is not enough to get a free credit report from a single credit reporting agency. It is important that you have a mortgage planner obtain a tri merge report. This will provide scores from all 3 reporting [more...]

Date: 2008-07-19 10:25:48

How to Avoid the 7 most Critical Home Buying Mistakes

by Rob Kosberg 1. Have your credit checked early in the process ... . It is not enough to get a free credit report from a single credit reporting agency. It is important that you have a mortgage planner obtain a tri merge report. This will provide scores from all 3 reporting [more...]

Date: 2008-07-17 20:27:03

Mortgage approvals slump by 52%

Mortgage lending for house purchases fell by 52% over the 12 months to October, according to latest figures from the British Bankers' Association ( ... a much reduced appetite for borrowing. "Mortgage approvals remained low, consumer credit ... . A report into mortgage financing by Sir James Crosby, former HBOS chief executive, suggested repayments [more...]

Date: 2008-11-25 10:08:00

Free Credit Repot From NEXUS

There are some advantages that can be taken from free credit report, ... prevents you make credit card score fixation. More about this report is required by the lender ... , is used to obtain the mortgage and also ask you to show your credit report when want to load their value [more...]

Date: 2008-10-09 09:28:38

There are several factors…

…that make up the credit score and your mortgage consultant can coach you through some basic strategies to improve your credit score ... t use them. Always take advantage of the free annual credit report from www.annualcreditreport.com (which is the only FTC approved credit reporting site) and start working on improving your credit [more...]

Date: 2008-10-15 16:39:59

second residential mortgage

If you are still confused about what a second residential mortgage loan is and how you can use it to your advantage, you are literally losing money ... mortgage, check your personal credit report to ensure that your credit score has improved. Lenders ... loans.The other type is a “home equity line of credit” or HELOC. The main difference between the two [more...]

Date: 2009-01-14 10:43:37

Local Banks Escape the Worst from Rosa Wright

Local banks escape worst of financial crisis by Joseph SantangeloThe financial industry on the South Shore and Cape Cod largely has avoided the ... report little to no exposure to subprime mortgages, mortgage-backed securities, credit default swaps ... offer credit to small businesses, although loan standards often are tighter and loan volume is down [more...]

Date: 2008-12-30 18:19:00

Improving Your Odds of Getting Approved for a Mortgage

by Troy Cruz William Engle Dawn Khoury James Nissen Robert Hill Chris Laning Janet Taylor Jack Enders Bruce Gross Rick Bean Keith Wood Ray Johnson ... on what your financial history is like. If you aren’t sure what it is, get a copy of your credit score and your credit report. Banks look at your credit report and score to determine what their risk is [more...]

Date: 2009-01-09 18:30:22

Re-default nation

The big question looming over the push to rewrite the home loans of people struggling to make payments is whether or not such mortgage ... % of all first mortgages in the U.S. Dugan called the results, part of his agency's new Mortgage Metrics report ... consumers replaced lower mortgage payments with increased credit card debt?  Is it because the [more...]

Date: 2008-12-08 17:35:26

I Guess Our Mortgage Is Officially Considered Small

As a follow up to the post I wrote a few days ago about the new consumer protection laws and the possibility that thrift stores would have to stop ... scores until now.  We went to the annual credit report site and picked Experian.  Credit scores were $5.95 each, and the credit report is free (we normally just get the free report).  We got my husband’ [more...]

Date: 2009-01-09 08:15:42

The Essentials of First Time Home Mortgage Loan Borrower

by Matthew Sanz Property ownership and buying a home for the first time can be an exciting yet mind-boggling experience ... ? 1. Good credit report: Your credit report will let lenders determine whether ... purchasing property? - Improve your credit report - Avoid [more...]

Date: 2008-12-26 09:13:23


If you do not pay State or Federal taxes or pay a debt owed to a creditor, they can make a claim against your property ... from the mortgage and the lien! How does a lien affect my credit report and credit score? This type of security interest looks very bad on your credit report. Potential lenders see a lien on file [more...]

Date: 2009-01-04 00:30:06

7 Reasons to Use a Mortgage Broker

The House Team Of Mortgage Intellingence asked: For many people, mortgage payments are their single largest expense ... rate guarantee. Preserved credit rating When you shop for a mortgage, there is an accumulation of lender inquiries on your credit bureau report, possibly affecting your credit rating and, ultimately [more...]

Date: 2008-10-30 10:55:19

New Year, Better Credit Score: Post 3

stockxpertcom_id12723501_size0-743295.jpg So FICO has branded you with a not-so-desirable credit score and you have made the resolution to bring ... month.  Remember also, not all debt is bad.  Items like mortgages and car loans on your credit report ... and see if they will take the late payment off so it doesn’t show up on your credit report [more...]

Date: 2009-01-10 15:55:57

Obtain Helpful Recommendations About Orlando Realtor

Part I Step 1: Spiff up your credit Good credit can lower your mortgage interest rates, potentially saving you hundreds of dollar a month ... . Order a credit report (usually free online). You can dispute any mistakes, but the most important thing is to build up good credit from here out. Lenders want clients who can pay bills on ... [more...]

Date: 2008-12-31 00:00:10

Buying A Home After Filing Bankruptcy

Buying a house after filing bankruptcy is a real possibility after a year ... be good enough to qualify for a conventional loan. It is also a good idea to check your credit report before applying for a mortgage. You can get an annual free report from any of the three reporting [more...]

Date: 2008-11-23 21:15:25

A-Z real estate vocabulary for home buyers and sellers

Nothing is more fundamental to buying or selling your home than understanding the language that realtors, lenders and others in the industry use ... , origination fee, hazard and mortgage insurance, credit report and appraisal fee. Debt-to-Income ... inspection. Annual Percentage Rate (APR) - The cost of credit expressed as a yearly rate. Bridge Loan [more...]

Date: 2008-12-02 21:05:42

Four. One Million Use Credit Cards for Mortgage or Rent

4.1 Million Use Credit Cards for Mortgage or Rent According to housing and homelessness charity Shelter, about 85% of the UK’s £1 ... Breaking point’ report revealed that ‘4.1 million households (16%) used credit cards to help meet ... , is that they normally come with a lower APR (Annual Percentage Rate) than unsecured debts [more...]

Date: 2009-01-08 08:18:32

Mortgages In Arizona For Canadian Citizens Still Available

This week, we were asked by a few people whether or not it was still possible for a Canadian citizen to get financing on an investment property in ... 75% Loan-to-Value International credit report required Verification of mortgage history on primary ... bank statements Picture ID (Drivers license, coy of passport) If self employed, last 2 years Canadian [more...]

Date: 2008-10-17 03:46:05

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

Over 50% of Mortgage Mods Fail Within 6 Months

The stock market is staging a very peppy rally on the hopes for the Obama infrastructure plan and the auto bailout, ... recent mortgage reports,” Dugan said. “Credit quality continued to decline across the board ... . We have long advocated mortgage modifications as a remedy that banks used fairly freely in the stone ages [more...]

Date: 2008-12-08 17:21:49

Broker/Owner Steve Keefe Conducts "Short Sale" Training

Steven Keefe, Broker/Owner  Coldwell Banker Sky Ridge Realty   Arrowhead Home Loans, Inc. www.mountainmoves ... ramifications, but in my opinion, I would rather have a settled mortgage on my credit report than ... have a clue how to do it.  This can be a dangerous proposition for the parties involved [more...]

Date: 2009-01-16 22:53:41

Maintaining Excellent Credit Rating

Being approved for credit is a sign that someone is willing to take a risk on you with their money ... of all, get your free annual credit report from the credit bureau. Check for mistakes or false ... bills - food, utilities, rent, or mortgage. Before you go out shopping for credit lines, make sure [more...]

Date: 2009-01-15 03:41:35

FICO Fitness Fundamentals

A FICO score is the number that determines the interest rate you pay on credit cards, car loans and mortgages ... credit bureaus: Equifax, Experian and TransUnion. The FICO score is linked to just about every ... in your favor) Don’t apply for any new credit cards Review your credit report periodically to make [more...]

Date: 2008-11-25 16:08:53

The deregulation and free markets myth

Walter E. Williams destroys the liberal's claim that deregulation and free markets caused the financial meltdown: News media people, ... Times article, "Fannie Mae Eases Credit To Aid Mortgage Lending" (Sept. 30, 1999), reported, "Fannie ... Report (November/December 2008). The Federal Register, which lists new regulations, annually [more...]

Date: 2009-01-15 13:28:18

Progress Report #18

Happy New Years Day and a special welcome to readers visiting from FB's blog :)I am really excited about the start of 2009! But first the progress report for December...The Last Credit Card Ever: $21000 Mortgage ... of 'the last credit card ever' later this month.January To Do List set up new office & move all files from home [more...]

Date: 2008-12-31 18:47:00

Key an Eye on Your Mortgage Payments

In previous decades, when a borrower missed a payment on a mortgage, ... pressure on slow payers. Under new rules, a mortgage lender can ding your credit report every month ... as a check getting lost in the mail. Or it could be a symptom of a bigger problem like a divorce [more...]

Date: 2009-01-11 21:31:36

Kennedy Refuses To Disclose Finances

Extremely wealthy and of famous pedigree, the Kennedy who wants to replace Hillary Clinton in the U.S ... , publicly available report disclosing her financial assets, credit card debts, mortgages, book deals ... , who has no political experience, wants more special treatment as she tries to slip into the U.S. Senate without even [more...]

Date: 2008-12-23 15:12:47

Camdenton Mortgage Market Update: Jan 14

In this week’s radio broadcast, Andrew Conner talks about the possible risk of identity theft arising from the sharing of your mortgage and loan ... Credit Reporting Industry;  or call 888-567-8688. This is a permitted re-broadcasting of a radio ... activity by the credit bureaus….. and how to opt out. Click here to view the embedded video [more...]

Date: 2009-01-15 01:01:53

Obama Alters Tax Plan to Rebut McCain

ABC News' Teddy Davis, Hope Ditto, Arnab Datta, and Ferdous Alfaruque Report: Facing criticism from John McCain that his tax plan constitutes " ... ." Goolsbee discussed the change to Obama's universal mortgage credit while debating McCain adviser ... universal mortgage credit is to aid taxpayers who do not itemize when filing taxes. The Obama [more...]

Date: 2008-10-22 01:21:50

Getting Your Finances In Check For a Coconut Creek Home Purchase - Part I

jority of people, buying a home is no easy feat especially when it comes to finances ... for a mortgage at all. Review your report with all three major credit bureaus, Experian, Equifax ... you took a look at your credit report? If you haven't reviewed it recently, now is the time [more...]

Date: 2008-12-22 20:42:59

10 New Year Switch & Save Recommendations

With a severe recession looming, 2009 is predicted to be a tough year for most, ... with a free credit report and 30 day trial of CreditExpert and see what lenders see. Checking your Experian credit report can save you money when applying for a loan, mortgage or credit card. Get £2.50 [more...]

Date: 2009-01-09 17:14:27

The loan money i$ out there…….

Qualifying for a mortgage is not nearly as easy these days as it was just a couple of years ago, ... . All of us can get copies of their credit reports from each of the three major reporting companies at no charge ... before the subprime-loan-market collapse and the worldwide credit freeze. Still, mortgages [more...]

Date: 2009-01-15 17:02:23


That's the number of questions Caroline Kennedy has answered in her pursuit to secure Hillary Clinton's seat, ... for election to the Senate, Ms. Kennedy would have to file a 10-part, publicly available report disclosing her financial assets, credit card debts, mortgages, book deals and the sources of any payments [more...]

Date: 2008-12-23 17:17:00

Becoming a Subprime Society

From MarketWatch: Foreclosures could top 8 million: ... to a recent report. Credit Suisse’s fixed-income research team forecast that 8.1 million mortgages ... Credit Suisse More than 8 million mortgages could go into foreclosure in coming years in the wake [more...]

Date: 2008-12-10 11:35:04

FHA Streamlined Refinance - Lower your Rate and Payments Without Credit Qualifying or a New Appraisal

With rates near an all time low, refinancing has become a big thing again ... refinance: No credit qualifying. This is not credit score based and it is not even necessary to pull a full credit report. Your mortgage does need to be up to date, and current and we will look [more...]

Date: 2008-12-30 16:30:24

Queen Caroline

Gag...Nobility cannot be bothered with the rules and customs of the little people: If she were applying to be, say, ... a 10-part, publicly available report disclosing her financial assets, credit card debts, mortgages ... Michelle MalkinAh, Obama's Washington... 'tis a silly place: [more...]

Date: 2008-12-23 16:59:00

Widespread Mortgage Refinance (Good Credit Doesn’t Pay)

Mine won’t be one of the three million mortgages expected to get a new deal via The Bailout ... , to have the right numbers on our credit report. AND a month later when every headline ... , and took the best mortgage deal we could get. Who Wouldn’t Take an Adjustable Rate Mortgage? Because [more...]

Date: 2008-10-30 13:35:53

Mortgage Delinquencies Set to Soar: Report

Severe delinquencies among mortgage holders increased more than 50 percent from year-ago levels during the third quarter, according to data released Tuesday morning by credit reporting agency TransUnion LLC. At the end of Q3, 3.96 percent of homeowners were 60+ days in arrears, compared to 2.56 percent one year earlier [more...]

Date: 2008-12-02 14:55:50

My identity theft and security risks inherent in technology

I recently became a victim of identity theft. It started in September with a letter from my mortgage company, Countrywide, ... numbers then, but we didn’t. It wasn’t until I noticed fraudulent activity on my credit report in late ... inquiries into my credit. It’s a nightmare. You may be wondering how this post relates to public [more...]

Date: 2009-01-13 21:20:54

McCain Tax Jab Overlooks His Own Proposal

ABC News' Teddy Davis, Rigel Anderson, and Hope Ditto Report: John McCain is stepping up his assault on Barack Obama's tax plan ... the following litany of refundable tax credits favored by Obama: (1) a "make-work-pay" credit of up to $500, (2) a universal mortgage credit of 10% of mortgage interest, (3) three different extensions [more...]

Date: 2008-10-17 02:16:31

Ten steps to take before buying a home

I found this entry from back in March, 2005. It’s useful information, especially now as we enter the fall market ... more down at losing, depending on the type of mortgage you end up getting.) 5. Get your credit in order. Obtain a copy of your credit report. (Definitely do this - do it online if you want it done, fast [more...]

Date: 2008-08-26 19:00:25

Media Roundup - October 17th, 2008

Media Roundup Real Estate News New listings slip in third quarter (Globe and Mail) Home prices are falling, but mortgage rates are rising ( ... (Bloomberg) Mortgage Q&A: Liquidity, credit will lower rates (Washington Times) TD Report Says ... s Time to Invest (NY Times) Canadian manufacturing shipments slide (Canada.com) Urban Planning [more...]

Date: 2008-10-17 12:00:07

Save Thousands By Negotiating Your Loan Rate With Your Mortgage Lender

My wife and I have recently applied and been pre-approved for our first mortgage.  We are moving to a new state this winter ... , application fee, and credit report costs, but these costs are separately listed in most closing cost ... and actually flourished during the current credit crisis and subprime mortgage mess.  We were offered [more...]

Date: 2008-11-20 13:45:27

It is soooo coold.. brr. Post Roundup

YEAH! Its melting Creative Commons License photo credit: *Micky The past few days have been extremely cold here in Minnesota, ... With Good Ones Time To Chck Your Annual Credit Report! Problems with Gift Receipts? Debt? What Debt? Mortgage Refinance Rates Continue to Fall The New Frugal Forum @ frugalhacks.com Free Advice [more...]

Date: 2009-01-14 16:21:15

Home Mortgage Loans Tips

by John Bear If you are looking to refinance your current mortgage, there are several options available for you ... . But in order to obtain this loan, you must have a good credit report. Unfortunately, not all lenders ... to present the mortgage company. But there are also ways for you to obtain a loan with minimal documents [more...]

Date: 2009-01-02 16:49:29

Get The Best Home Mortgage Loans

by John Bear If you are looking to refinance your current mortgage, there are several options available for you ... to obtain this loan, you must have a good credit report. Unfortunately, not all lenders are equal ... or no documentation but just by looking at a very good credit report, they reason that an applicant wouldn’ [more...]

Date: 2009-01-04 08:16:22

Would Better Disclosure Have Helped WaMu Shareholders?

According to a September 25, 2008 press release from the U.S. Securities and Exchange Commission ( ... largest savings and loan through the fallout of the mortgage and credit crises." The 2007 Annual Report on Form 10-K/A for Washington Mutual, Inc [more...]

Date: 2008-09-26 06:22:29

Will a short sale hurt my credit score?

When I meet with homeowners who are struggling with their mortgage are maybe behind on payments and have no equity in their home, ... get this question - “Will a short sale hurt my credit score? And if so, by how much?” I have been doing ... or foreclosure on one’s credit report. I recently came across some great information provided by a mortgage [more...]

Date: 2009-01-15 20:14:24

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