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

Blog posts (28) | Videos (6)
 

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

Paycards

For employees not wishing to receive a check (because of problems of encashment or security), several banks offer payroll ATM cards ... about the mechanics of the program. Companies can require direct deposit as a condition of employment ... s free checking, discounted mortgage or home loans, free credit card programs, or other promotions [more...]

Date: 2008-12-30 07:29:01

Finally: Republicans Finger Democrats as Responsible for Fannie/Freddie Meltdown

—Ace Good video report from Jim Angel at FoxNews. It should be noted that "Republicans" do not include "McCain ... guaranteeing a trillion new dollars for no-money down car purchases with no credit checks or proof ... . Millions of credit-poor homebuyers -- with erratic and unverified incomes -- now have mortgages [more...]

Date: 2008-09-24 00:11:22

Citi’s loss, Fannie’s PERS, Is the Fed the only one buying mortgages? Bond market closing early, Extending locks?

Toyota is developing a miniature, environmentally friendly car that is powered entirely by a rechargeable battery ... in fee, 15 days .35 in fee, and 30 days .60 in fee. For anyone interested in the news, check ... , as the credit crisis eroded mortgage-bond prices and customers missed more loan payments. And in other [more...]

Date: 2009-01-16 14:09:48

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

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

The Business of Scams - Resources

The $50 million ponzi scheme of Bernard Madoff is just the latest financial scam that has cheated those investors who would look for high returns ... are: 1. Check scams 2. Advance fee lenders 3. Mortgage Foreclosure Rescue scams 4. Illegitimate credit repair & debt negotiation services 5. Work at home and fraudulent employment opportunities [more...]

Date: 2009-01-09 17:37:36

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

Does The Most Common Refinance Problem Have A Solution?

What is the problem? It’s the shrinking value of your little bungalow ... . They have a 6.25% mortgage rate. They still have good credit, the same employment, and want to lower ... on your mortgage payment is a good thing. Check with us or a trusted loan officer to determine [more...]

Date: 2009-01-06 15:57:19

Home loans

by Tom Martens For the vast majority of us, homeownership means a monthly mortgage installment ... this rate, your credit history and credit score are major factors in whether your bank considers ... the best option for you. Administration fees payable every month differs with each loan, so check [more...]

Date: 2009-01-16 14:53:39

The Next Batman 3 Villain

The Next Batman 3 Villain Add comments Top Rising Stories Tough Weather At British Open Sends Golf Scores Soaring ... to check it out. Get the full story... Credit Lines FREEZE, But Not For Reverse Mortgages Frozen ... Gusting winds of 30mph and heavy rain sent the average score on the first morning [more...]

Date: 2008-07-18 12:42:13

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

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

Get The Best Home Mortgage Loans

by John Bear Planning to refinance your current mortgage? There are actually several options that are available for you ... number and loan amount. Then the lender will just check your credit scores to see if you are qualified ... regarding their finances, income, and employment. Now, why are people with very high credit scores [more...]

Date: 2008-12-30 12:04:27

Bailout money is never enough to save us

The remaining $350 billion is going to be thrown down the toilet along with the rest of the bailout money! There is no more American government, no checks and balances. Obama would have vetoed Congress ... Reserve. There’s a ton of credit card defaults, Alt A mortgages, and auto loan defaults crashing their way [more...]

Date: 2009-01-16 20:14:09

Mortgage Rates Dip to Low 5’s

criteria that I use for pricing Friday’s rates.  Do check with your local Mortgage Professional to see what rate you qualify for.  What’s caused this big dip?  You can thank the Fed for stepping in to buy $600 billion ... the company was in violation of financial debt covenants of its note-purchase agreement and credit agreement [more...]

Date: 2008-11-25 16:14:43

Convert Paulson’s Last $350 Billion into Tax Holiday, says U.S. Congressman

One U.S. Congressman, Rep. Louie Gohmert (R-TX), is fighting to prevent more outrageous spending sprees by Washington with taxpayer dollars going to ... security or income tax withheld from your pay check, or if you didn’t have to pay those taxes ... go - to paying down mortgages, buying a new car, making credit card payments. The economy would [more...]

Date: 2008-12-02 21:37:55

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

PEBO Wants AEI Libertarian Opposed to Product Bans Deciding OMB’s Health and Enviro Rules

What does the Office of Management and Budget have to do with our health and our environment? ... can write him checks? In a free market, everything's for sale. Right, Cass? For a long time ... about the mortgage crisis, credit card reform, savings for retirement, prescription drugs, health care [more...]

Date: 2009-01-11 02:00:20

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

Deja Vu All Over Again

Didn’t we see this kind of news flow and trading before? ... . So, it may be premature to think that selling is over. Commercial mortgage paper spreads ... In terms of our sector, we expect consumer loans and credit cards to continue to get worse.” Check [more...]

Date: 2009-01-14 23:57:46

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

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

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

2007 J.D. Power Satisfaction Ratings in Finance

J.D. Power & Associates puts out annual customer satisfaction surveys in all types of industries from automobiles to finance to insurance to travel ( ... I used more - retail banking and credit cards. While I don’t discuss the mortgage ratings, go check ... banking, mortgage related, and credit card groups. At the time I first wrote this, I didn’t think [more...]

Date: 2008-08-10 19:27:39

No Fee Mortgages Coming Soon

Buying a home, especially for the first time, can be a daunting experience. There are endless credit checks, bank checks, employment checks, appraisals and more paperwork ... . It just isn’t possible to obtain a mortgage without a credit check or an appraisal of the property [more...]

Date: 2009-01-15 11:26:00

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