Commercial Developers: Not a Credible Threat

Ok, I’ve been tardy in posting. I’m very sorry about that, lot’s of things are going on ... that undergirds mortgage models. For residential mortgages, one mainly considers FICO score and LTV (ratio ... , there are multiple metrics for value and credit worthiness of a commercial property. Residential properties [more...]

Date: 2009-01-10 02:24:52

Blog posts (164) | Videos (130)
 

Having your Credit Run

As of July 1, 2005, mortgage providers have to have explicit written authorization to run credit ... to me whether this extends to non-mortgage credit providers. If it does, this is probably one of the niftiest ... to mortgage providers, then it's a stab at making life difficult for Internet brokerages, which may [more...]

Date: 2008-12-14 17:23:49

Find Out Now Useful Knowledge - Car Loans

Find Out Now Useful Knowledge - Car Loans Posted on January 16, 2009 (0) Comments Show Bookmarks [ ... higher than on other type of loans. You can still get a loan from a specialist provider, even if you have a bad credit, although at a higher interest rate. Having finalized a deal, you shall [more...]

Date: 2009-01-16 12:40:10

The Top Franchise Trends For 2009

Two words will be dominating the franchise landscape for 2009: cautious optimism ... credit score, and low personal debt, will increase the chances of getting a franchise loan.  More tips ... business produces goods and services worth over $880 billion yearly (Figures above obtained [more...]

Date: 2009-01-09 07:30:34

Borrowing Beyond your Limit can Result in Consumer Debt

Consumer debt has risen to worrying percentages in the past few years ... of the loan, how much the borrower is able to pay back per month, their current credit score ... debt can be acquired in various forms, including through a credit card or a payday loan. There are many [more...]

Date: 2009-01-17 00:24:29

Trendy Mortgage Refinancing and Second Mortgage Programs: A Brief Review

The combination of rising interest rates (although still historically low) and rising home prices has caused the robust mortgage market to slow from its record pace ... existing products. If you have not shopped for a second mortgage in a while, you will find numerous [more...]

Date: 2009-01-17 00:42:43

The Jackson Socialite, her home... and the $900,000

Update 1/11/09: More proof fraud probably occurred: Market analysis of all homes sold on Petit Bois over the last few yearsIt seems there is more to ... mortgage fraud probably took place when Ms. Harmon's Jackson, MS home was sold in 2006. (Yes ... on December 7, 2006 to a Tracy Williams and Tracey Michelle Goins for $900,000. The loan was provided [more...]

Date: 2009-01-10 16:28:00

If You Want A Better Mortgage Rate Read Credit Scoring Basics

by Rob Kosberg The right time to review your credit scoring is now because the credit score is becoming more important for mortgage prices ... your score: You need to get on the credit “bandwagon” if you want a credit score assigned by the credit ... and have a score. Your Trend Is Your Friend: Payments that are “on time” are favored by the credit burea [more...]

Date: 2009-01-15 12:32:43

Refinance Auto Loan – Improve Credit and Lower Interest Rates

Getting a refinance for your auto loan may help you to save quite a bit of money.  By improving your credit you could lower the interest rate on your auto loan or any loan in general.  The government has worked very hard to keep interest rates at historically low levels so it is your responsibility to improve your credit and gain access to these low interest rates. [more...]

Date: 2009-10-01 14:18:51

Bad Credit Auto Loans – Get the Low Interest Rate You Want

Bad credit auto loans have gained in popularity throughout the recession.  Many borrowers want a low interest rate on their auto loan but they have no idea how to get it.  By lowering your interest rate you could save thousands of dollars over the course of your loan.  The only tried and true way to lower your interest rate is to increase your credit score. [more...]

Date: 2009-10-01 13:42:49

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

Tips To Use A Loan For Your Home Improvement Project

Upgrading and renovating your home costs money, and depending on the type of home renovation project, it can cost a lot of money ... for your home improvement project, there are ways to borrow it, including a home equity loan, credit line, second mortgage, home improvement loans and short-term credit card solutions. Most people who want [more...]

Date: 2009-01-16 07:37:39

Just because you can refinance, should you?

Just because you can refinance, should you? Posted by Fred Chamberlin at January 14, 2009 Mortgage interest rates have dropped dramatically and are current at or near a 27 year low. That means you can save money on your mortgage payment every month, right? Well, the definitive answer to that is, MAYBE! [more...]

Date: 2009-01-14 21:52:17

How to Raise My Credit Score

A common question many people have is how to raise their credit scores ... score is just a bunch of statistics! Get a copy of your credit report and scan for any errors ... it down! When you have an account with no negative reports, it looks good on the credit report. Don’ [more...]

Date: 2009-01-16 07:26:13

The Qualification Letter I Use for My Buyers and Require For My Listings

I have never had someone tell me they wanted more information than this letter provides ... Experian TransUnion Primary Borrower XXX XXX XXXCo-Borrower XXX XXX XXX The credit report lists ... and purchase under the purchase contract being submitted on (property address) I have run their credit score [more...]

Date: 2008-12-17 14:43:00

Monday Market Commentary: Fed Buying Pressures Rates Lower

Monday Market Commentary: Fed Buying Pressures Rates Lower Last Week: The Federal Reserve, ... that rates are highly dependent on loan size, transaction type, credit score, and property type ... . Wednesday’s Retail Sales Report, and Thursday’s Philadelphia Fed Survey also stand [more...]

Date: 2009-01-08 16:08:15

Before you put in an offer….Check out the Condo Assoc.

Today, Wells Fargo turned down a mortgage applicant with a very, very high credit score ... and he informed me that my agent’s client has: “A high credit score, but 151 Tremont Street has a problem” ... , check out the Management Company and find out the financials of the condo association before [more...]

Date: 2009-01-16 02:10:54

Improve Your Credit Score: Determine Your Creditworthiness

Sure, the economy may be flailing, but learning to preserve and maintain your creditworthiness and improve your credit score is still extremely ... be floundering. Send Away for Your Credit Report - for Free! Are you interested in seeing what’s on your credit report and determine your creditworthiness for yourself? It’s easy [more...]

Date: 2009-01-16 09:18:45

Home Mortgage: 3 Things to Know to Get Low Interest Rates

Home Mortgage: 3 Things to Know to Get Low Interest Rates Posted in January 16th, 2009 by admin in Finances, ... important one is to find the lowest home mortgage loan rates possible. When applying for a loan, having a high credit score will allow you to get a number of options to choose from. Even [more...]

Date: 2009-01-16 20:41:14

Home Loans For People With Bad Credit

At one point or another, almost everyone needs a home loan. If you have a solid income and good credit, finding a home loan is really easy ... mortgage loan. Two Types of Home Loans For People With Bad Credit The first type of home loans ... is taking on a lot more risk by providing bad credit home mortgage loans. That means [more...]

Date: 2009-01-11 04:01:08

It’s Some Wonderful Nitpicking

There is no TV with enough pixels to rival the experience of watching a great movie in an actual movie theater ... d only ever seen it on VHS. Sitting in a real movie theater, hearing the John Williams score, and seeing [more...]

Date: 2008-12-23 13:39:15

Home Loan Basics To Keep in Mind in the New Year

There will be a storm of economic, mortgage, and housing news in the first full week of the new year ... down. (That used to be 3% and was recently changed.) For a conforming loan, monthly mortgage ... in the coming week, it’s important to keep some basics about home loan mortgages in mind, so here’s a quick [more...]

Date: 2009-01-11 02:03:43

01.16.09

01.16.09   The average FHA mortgage rate for a thirty-year home loan dropped below 5% this week ... , conventional lenders have credit score requirements seeking credit scores over 680.  In this dried ... with good or bad credit can qualify for a FHA home loan that is fixed for thirty years.  The most [more...]

Date: 2009-01-16 16:08:39

Confessions of a Subprime Lender by Richard Bitner

Title: Confessions of a Subprime Lender Author: Richard Bitner Publisher: John Wiley & Sons Books (2008) Here’s why the mortgage mess happened: If you had a Target credit card with a $100 maximum ... had a credit score of 580 (considered very low) you qualified for 100% financing! 100% financing [more...]

Date: 2009-01-15 11:00:32

Why Student Credit Cards Could Vanish in 2009

I’m sure you’ve seen the news concerning the mess the banking industry is in ... to get and for the very same reasons, students may find getting a credit card in 2009 nearly ... have low or no income and a limited credit history, they are on the wrong end of the safe borrower [more...]

Date: 2009-01-16 16:30:19

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

Top up loans

Are you wondering if you have the qualifications of a top up loan? Well top up loan is a unique loan that is for people that have a mortgage payment ... for your house and add the total cost to your mortgage loan. If you have bad credit then you are not going ... as you pay the loan back. The top up loan also can help you build up your credit score. [more...]

Date: 2009-01-12 20:03:34

New York Times Crashed-and-Burned Watch (CRA Edition)

And everytime I ask myself "am I being too hard on the New York Times? ... neighborhoods. If you lived within the redlined areas, regardless of your income, credit score, assets, debt servicing ability, if you were in the redlined area you could not qualify for a mortgage [more...]

Date: 2008-12-14 00:32:07

Having A Bad Time?

If you have a bad credit rating, it will be most difficult for you to get any credit accommodation when you need money ... you can check your credit score, why you need it and how you can improve it. Visit their site and see how you get back on track to re-building your credit score. Related Stories: [more...]

Date: 2008-12-18 11:47:00

Jumbo Prime ‘Walk Away’ Loans - More Downgrades Coming

Mr Mortgage is a 20-year mortgage banking veteran, specializing in wholesale and correspondent sales and sales/operations management and bringing ... housing, mortgage and credit meltdown’ and company-specific events. He owns and is the primary [more...]

Date: 2008-12-10 16:51:11

Mortgage Loans For People With Bad Credit

So you would like to buy a new home, or re-structure the loan on your current one. The first thing you probably need to take a look at is your credit score. Most banks would be more than willing to loan you money for a new home, but for obvious reasons, mortgage loans for people [more...]

Date: 2009-01-09 22:28:18

A Guide For Finding The Right Mortgage Company

For the people that are interested in obtaining a mortgage loan to obtain a home, ... to get out of.  By taking the time to review the reputation of the mortgage company before signing up for a mortgage loan ... finding the right mortgage company can be a complicated undertaking.  By having a guide on how [more...]

Date: 2009-01-11 16:01:55

RICHARD VAGUE: How to Fix the Economy

This is a guest post for The Washington Note by businessman and regular TWN reader Richard Vague ... institutions became over-leveraged because they used complex financial instruments such as credit default [more...]

Date: 2008-12-24 19:45:27

Reviews Of The Best Capital One Credit Cards and Offers

Updated List Of The Best Capital One Credit Cards Below What’s In Your Wallet? - So goes the motto and promotional tag line from those zany Capital One credit card ads we’re always seeing on TV. When it comes to Capital One, the credit card company’s message is clear [more...]

Date: 2008-12-18 20:46:00

Low Mortgage Rates to Spur New Wave of Defaults

Mr Mortgage is a 20-year mortgage banking veteran, specializing in wholesale and correspondent sales and sales/operations management and bringing ... housing, mortgage and credit meltdown’ and company-specific events. He owns and is the primary [more...]

Date: 2008-12-30 12:00:56

The Impact of Credit Scores and Jumbo Size on Mortgage Rates

Since August of 2008 conforming mortgage rates are have declined a huge amount. Jumbo rates have fallen a large amount also, but much less ( ... for example for a credit score of 700-759 the jumbo rates declined 73 basis points while the conventional rate declined 172 basis points. chart of 30 year fixed mortgage rates by credit score [more...]

Date: 2009-01-15 15:15:38

Review Of HSBC Direct High Yield Online Savings Account Bank

When it comes to choosing the best high yield savings account, many of us look for different things - placing greater weight on certain bank features than others. For myself, when I’m deciding which bank presents the top savings opportunity for my money, [more...]

Date: 2009-01-06 03:50:33

Best Mortgage Rate ? Getting the Best Mortgage Rate

Getting the best mortgage rate is perhaps the top priority factor for anyone who is planning to apply for a loan to buy a house or a property where a dream house can be built. But not to forget getting the best deal depends on a lot of factors which are the credit score, the ... [more...]

Date: 2009-10-01 15:04:33

Best Mortgage Rate ? Getting the Best Mortgage Rate

Getting the best mortgage rate is perhaps the top priority factor for anyone who is planning to apply for a loan to buy a house or a property where a dream house can be built. But not to forget getting the best deal depends on a lot of factors which are the credit score, the ... [more...]

Date: 2009-10-01 15:03:22

How Do Home Equity Loans Work as Second Mortgages?

Writer Dan Ackman notes in an article at www.forbes.com that a recent report by Goldman Sachs shows “in 2004, Americans withdrew $640 billion ... the present to take a closer look at how equity loans work and how to make your equity work [more...]

Date: 2009-01-16 21:17:18

Comic for January 10, 2009

Comic for January 10, 2009 Posted by guestpost as Funny Stuff Comic for January 10, 2009 just to make you smile ... Consumer Debt Cool Things Credit Cards Credit Report Credit Score Credit/Debt Counseling Customer Service Debit Cards Debt Collection Debt Confessions Debt Consolidation Loan Don'ts [more...]

Date: 2009-01-12 00:30:24

Will You Be Able To Get A Student Loan In This Economy?

Will You Be Able To Get A Student Loan In This Economy? ... of the credit squeeze will affect those families with poor credit ratings and lower incomes ... , who will no longer be able to access student loans because of their parents’ credit score. An estimated 100,000 [more...]

Date: 2009-01-16 08:17:47

Some Facts About Repairing a Bad Credit History

Many people do not know the facts about bad credit. They think that once a negative item is placed on there credit report it will remain ... on your credit report, removing negative items from your credit report, negotiating with creditors [more...]

Date: 2009-01-17 00:08:25

Demystifying Boat Loans

If you have decided to take a boat loan you need to keep a few points in consideration ... for three years. If your credit score is less than 600 then the situation may be difficult. Lenders [more...]

Date: 2009-01-16 05:31:21

Suze Orman's Financial Advice For Wise Bread Readers

By Will Chen Suze Orman is one of my favorite personal finance advisors. No one can kick my butt into gear like Suze ... it? (Jump to question) Best behavioral tips or tools for eliminating credit card debt? (Jump [more...]

Date: 2008-12-16 22:32:13

Monitor Your Free Credit Reports

Monitor Your Free Credit Reports by jim on December 24, ... wrongly reported a late payment or some other adverse note on his credit report, his FICO was 830. (he says bankruptcy, but credit card companies can’t put that) Afterwards, his score fell to 750 [more...]

Date: 2008-12-24 12:17:04

Review Of EverBank Online Savings and High Interest Checking Accounts

Since 2000, Everbank has quietly grown and emerged as a top tier banking institution, ... and have been generally pleased with the annual percentage yield (APY) interest rates I’ve received over many months [more...]

Date: 2008-12-26 18:39:29

Strategies To Use A Loan For Your Home Renovation Plan

Strategies To Use A Loan For Your Home Renovation Plan ... on your credit score, your lender, the value of your equity and the going or prime interest rate ... higher supply costs. Line of Credit Another option for smaller projects is a line of credit. A line [more...]

Date: 2009-01-16 10:18:33

Bad Credit Score is not a Problem to Get a Loan

Are you having a problem regarding your credit loan right now? ... . As you know that if you want to get a credit, the first thing you have to comply is your credit score or may be credit record. The better your credit score, the easier you can take the loan. In other words, if your credit [more...]

Date: 2009-01-13 17:46:16

Review Of FNBO Direct High Yield Savings Account

Updated Analysis Of FNBO Direct’s High Interest Savings Account Offers I don’t know about you, ... account based on who offers the highest annual percentage yield (APY) or interest rate alone may [more...]

Date: 2009-01-04 06:30:08

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