Beware of Mortgage Fraud - 12/29/10 11:50 AM
Are you looking to sell your home in today's real estate market, you need to beware of mortgage fraud.  Across the country, mortgage fraud is up an average of 20% since the lowest rates found in 2009.  Mortgage companies already have steps in place to avoid fraudulent activity that was pervasive throughout the housing boom in years past.  However, they are reporting that there is a new increase in fraud amongst the higher risk and higher volume loan programs, such as FHA, Homes Affordable Refinance Program (HARP) and even short sales and REOs.
With increased volume, there comes an increased opportunity for mortgage … (0 comments)

Strategies to Rebuild Your Credit After Foreclosure - 12/20/10 07:01 PM
Foreclosure is a major hit to your credit that stays for seven years, but it can be corrected.  Therefore, I have found some strategies that you may find useful to help you rebuild your credit after foreclosure.
First, you need to examine what caused you to fall behind on your mortgage and take steps to fix the problem.  What were the reasons you didn't or couldn't make the payments?  Was it budget?  What can you do to modify that behavior?
After a foreclosure, you have to rebuild your credit and you'll have time.  Fannie Mae and Freddie Mac have strict rules … (3 comments)

A View of North Heights Alternative High School in Amarillo - 12/13/10 04:37 PM
I recently read an article about an Amarillo student and want to share the story.  A student that was to attend an alternative school was worried about attending the alternative school of North Heights.  She was concerned about fighting.  However, she found teachers that really care about her and the other students there instead.  She felt so welcome.  Therefore, she became excited about attending a school where they want to really find out who she is and what she wants out of life.  
A core group of students created a documentary on alternative schools to rebuff stereotypes of the students who … (1 comments)

Save Money on Your Mortgage….. Seven Ways on How You Can - 12/06/10 12:00 PM

Your mortgage payment is most likely your largest expense.  There are ways you can decrease your monthly payment and pay off your loan faster. 
Use this example to walk through the tips:
* Mortgage $200,000
* Fixed mortgage rate for a 30 year loan
* Interest rate 6%
* Monthly principal and interest payment $1,199
Savings will vary based on actual loan facts and timing of change 
1. The easiest way to save money on your mortgage is by making an extra payment each year.  The payments are automatically applied to the principal, not interest. Your remaining balance drops and … (2 comments)

 
Tom Kile (Keller Williams Realty) Rainmaker_large

Tom Kile

Amarillo, TX

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