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 (218) | Videos (140)
 

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

Review: Norton Internet Security 2010

The good Surprisingly lightly CPU usage Bolsters last year's reputation-based detection engine with a new behavioural-detection system The bad Still a fairly hefty CPU footprint New efficacy results show that while it continues to be in the top five apps at detecting malicious software, it still doesn't have the highest rate of detection Dramatic improvements to its Norton suite during the past two years indicate that Symantec has been listening to the needs and complaints of its customers. [more...]

Date: 2009-09-25 05:59:01

Better Deals On A Bad Credit Secured Loan

A bad credit incident is identical to a peck on a borrowers credit report. The late payments or reluctant defaults were circumstantial, though right divided they have been strafing your repute as a borrower. Every time we visit a lender for a little help, bad credit remarks lift their nauseous conduct and we lapse dull handed. However, all is not mislaid for people with bad credit or ccjs opposite them. The lending marketplace is fiercely competitive. [more...]

Date: 2009-10-01 06:20:56

Strategic Defaults

The L.A. Times’ Ken Harney wrote this article on the study of homeowners with good credit histories intentionally defaulting on their mortgage: http://www.latimes.com/classified/realestate/news/la-fi-harney20-2009sep20,0,2560658.story An excerpt: * Strategic defaults are heavily concentrated in negative-equity markets where home values zoomed during the boom and have cratered since 2006. In California last year, the number of strategic defaults was 68 times higher than it was in 2005. [more...]

Date: 2009-09-30 20:43:25

Think Twice Before You Opt For A Bad Credit Refinance

by Angus Guy The question is whether one is able to get the bad credit refinance or not. It is certainly possible and there are various instances of people getting their properties refinanced. The credit score is a significant feature in securing credit. In spite of poor credit ratings, it is possible to get the property refinanced. There are several aspects that go into the making of a bad credit situation. The most common one is late payments on instalments to lending institutions or creditors. [more...]

Date: 2009-09-22 17:34:39

ScamBuster 287

OFFICE OF THE SENATE HOUSE FEDERAL REPUBLIC OF NIGERIA COMMITTEE ON FOREIGN PAYMENT (RESOLUTION PANEL ON CONTRACT PAYMENT) IKOYI-LAGOS NIGERIA Our Ref: FGN /SNT/STB,ATM CARD NUMBER:4272071234567890 Dear Beneficiary, ATM Card Number; We are giving out a yearly donation of The ATM Card Value of $1.8m,000.00 USD to 5 lucky recipients, as END of Year promotion from the W.H.O,UN, and the EU in accordance with the enabling act of Parliament Headed by Senate President of Nigeria. Mr David Mark. [more...]

Date: 2009-09-30 19:13:48

The Death of Capitalism and the Meltdown of the Nuclear Family

The division of labor has polluted our careers and aspirations and–its natural conclusion–has corrupted our families. Sexual discrimination is pervasive, especially in so-called “conservative” circles where women are relegated to the home doing chores at which even minimum wage workers would turn their noses up. Men do tedious secretarial work all day; women do mundane busywork around the house. [more...]

Date: 2009-09-22 06:00:41

The Death of Capitalism and the Meltdown of the Nuclear Family

The division of labor has polluted our careers and aspirations and–its natural conclusion–has corrupted our families. Sexual discrimination is pervasive, especially in so-called “conservative” circles where women are relegated to the home doing chores at which even minimum wage workers would turn their noses up. Men do tedious secretarial work all day; women do mundane busywork around the house. [more...]

Date: 2009-09-22 06:00:41

Where Is This Decade’s Murdoch or Limbaugh?

“Thank you, Dick Cheney.” So says Captain Danny Ross of the Major Case Squad when the massive data mining of credit card transactions provides him with a valuable lead in a terrorist investigation.Ross is a fictional character speaking in the season finale of Law Order: Criminal Intent, and Eric Bogosian’s line reading is laced with inappropriate sarcasm. [more...]

Date: 2009-09-23 07:06:06

Understand How to Deal with Homeowners Insurance

Understand How to Deal with Homeowners Insurance by Matti BadshawAre you paying too much for homeowners insurance? Are you one of the many first time home owners who needs to find coverage for the first time? Either way, it is very important to learn a few things before you buy a policy for your house. After all, for most of us, our homes are the largest asset we own.Think about the things that a good policy must cover. It is obvious, I think, that the actual home will need to be protected. [more...]

Date: 2009-09-30 14:51:47

"Good" Borrowers More Likely to "Strategic Default"

    With all of the talk in the news lately about a housing market that has suddenly become more stable, the 800 lb gorilla in the room goes largely ignored. But huge, hairy and mean, there he sits. And he's getting hungrier by the minute. That's because behind the headlines, the much bigger problem here is actually the continuing decline in values that could push as many as 50% of all mortgages underwater by 2011. [more...]

Date: 2009-09-22 16:38:21

How Our Nation’s Future Energy Security Can Boost Your Portfolio Now

Smart Grid Investing: How Our Nation’s Future Energy Security Can Boost Your Portfolio Now by Dave Fessler , Advisory Panelist The “Smart Grid.” You may have heard the media toss the term around recently. But ask the next 10 people you meet to tell you something… anything… about it, and I’ll wager that you’ll get deafening silence. The reason? All of us take electricity – and the system that generates and distributes it – for granted. [more...]

Date: 2009-09-21 19:28:01

Bad Credit Loans For Missed Mortgage Payments

Bad Credit Loans For Missed Mortgage Payments by Don WilsonIf you are caught short for an important payment then check these loans out. Instant Payday Loans are not a permanent “fix” for a financial problem, but they can help you avoid late fees on instalment loan payments, allow you to buy an item that you need before payday, or cover an unexpected expense or an emergency. Instant payday loans are due for repayment after 14 days while some lenders offer as long as 30 days. [more...]

Date: 2009-09-21 18:37:30

Common Business Loan Mistakes (Part 1)

Surveys show that 94.7% of small business owners feel their only lending resources are local banks or personal credit cards. This common sense advice will help you avoid these common business loan mistakes, regardless of your personal credit history… and avoid pledging your personal property as collateral. First of all, getting approved for a commercial loan is definitely easier than getting personal loans… regardless of your personal credit scores. [more...]

Date: 2009-09-21 20:38:48

Realize Your Credit Score Plus 3 In 1 Credit Report

Realize Your Credit Score Plus 3 In 1 Credit Report by Sara M Perry3-in-1 credit reports are summaries from all three of the foremost credit bureaus. They cover the financial history collected on one person or group in order to “report their credit worthiness” or in other words, whether or not it is expected that they have the resources and trustworthiness to pay off a new obligation.These reports supply information from the three foremost credit reporting agencies. [more...]

Date: 2009-10-01 11:31:33

Sell and rent back is a good option to avoid foreclosure

Sell and rent back is the sole option at times to evade a bankruptcy or a foreclosure for the homeowners who are in some kind of a financial distress. These type of sell and rentback deals let the proprietor of a home or some other property to liberate themselves from the burden of mortgage. And at the same time this option provides them with the prospect of staying in your house by way of renting it from the concerned purchaser of that property. [more...]

Date: 2009-09-24 05:55:52

Opting For Bad Credit Refinance Is Like Walking On Thin Ice

Opting For Bad Credit Refinance Is Like Walking On Thin Ice by Angus GuyWondering whether it is possible to get a bad credit refinanced or not? Well, you can most definitely get a bad credit refinanced as there are several people who take to this recourse. Normally, your credit ratings dictate the future prospects of availing a further credit. However, despite the low credit ratings; Bad Credit Refinance is definitely an option available.The bad credit situation is a result of various factors. [more...]

Date: 2009-09-30 21:56:17

BEST OF 2008: Television Edition

2008 was a curious year for television, what with the writers strike and all. Seasons got messed up, late night shows went without comedy, and CBS aired a bonus edition of Big Brother — which sadly was universally loathed by pretty much everyone but me. That's okay though. I don't mind being a maverick when it comes to reality TV ( [more...]

Date: 2009-01-03 00:14:47

Student Loan Consolidation

Student Loan Consolidation by Layla VanderbiltStudent loan consolidation can be considered as a sensible option to take if you are facing a financial turbulence or for any circumstance unable to meet high monthly payment of your student loan. A typical consolidation consist of a small amount of loan you can take which could be used towards paying future student loan instalments and avoiding further deferments. [more...]

Date: 2009-09-29 14:46:22

Credit Card Lenders Clamp Down Hard

Consumers are in a newly austere mood, and those who have lived beyond or at the edge of their means may be forced to retrench whether they want to ... , some can come back to haunt consumers. The result can be a lower credit score, which forces a borrower ... or not. The New York Times reports that credit card issuers are cutting back on their lines [more...]

Date: 2008-10-29 03:50:36

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