credit repair: My Credit is What!?! How do I fix that!?! - 10/26/08 11:44 AM
There are many benefits to cleaning up damaged credit scores, even if you already own a home. By improving your credit score, you could save money on items such as car insurance, automobile loans, or any other type of loan. This is especially true when it comes to refinancing a home … (3 comments)
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credit repair: Give Yourself Some Credit: - Easy Ways to Score Points with Underwriters - 10/19/08 09:46 PM
We all know the phrase "buy low, sell high." Many of you may be wondering if now is the time to "buy low" in the real estate market. Prices are down, inventories are up, and interest rates are near historic lows. In this blog we look at how a smart investor … (0 comments)
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credit repair: VA Loan Credit Issues - 08/24/08 11:24 AM
VA will analyze a borrower's past credit performance in determining the loan for approval. A borrower who has made timely payments for the last 12 months serves as a guide and demonstrates their willingness to repay future credit obligations. On the opposite side, a borrower who reflects continuous slow payments, judgments … (0 comments)
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credit repair: Overview of Credit - 07/29/08 05:03 PM
Even though an applicant can afford a mortgage today, will he or she continue to pay on it for years in the future? In short, what is the applicant’s financial reputation?The best guide to a person’s future action is the person’s past actions. The obvious place to start is with the … (0 comments)
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credit repair: What is a credit score? - 07/17/08 12:31 AM
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credit repair: Verifying Your Down Payment, Closing Costs, Assets, Income and Debts - 07/10/08 02:14 PM
A critical step in the mortgage loan application process is to verify the sources for your down payment, closing costs and assets, as well as documenting income and debts. The lender uses this step to determine your qualifications as a borrower.
Down Payment & Closing Costs
Documenting that the down payment … (0 comments)
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credit repair: How much can you afford? - 07/10/08 01:57 PM
Deciding how much house you can afford is a personal decision.Many factors come into play.How much can I borrow? How much can I put toward my down payment? What size monthly payment can I afford?
There are no black and white answers to these questions. Its a … (0 comments)
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credit repair: Scoring your Credit - How's your FICO? - 07/08/08 08:58 PM
In today's increasingly automated society, it should come as no surprise that when you apply for a mortgage, your ability to pay can be reduced to a single number. All the years you've been paying your mortgage, car payments, and credit card bills can be analyzed, sliced, diced, spindled and mutilated … (1 comments)
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credit repair: Five ways to make the loan process go faster - 07/02/08 10:35 PM
We should say that "working with us" is the first way! When you let us help you find the loan that's right for you, you truly are taking advantage of some of the area's best technology and expertise to get you a loan decision and funding on your loan quickly. … (0 comments)
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credit repair: Is Credit Repair Worth it? - 07/02/08 05:55 PM
One of the most frequesnt questions that I get when someone is denied a loan or market conditions result in a decline at the last minute is Credit Repair Worth it?
The answer is Yes and No. You make note if the credit repair company operating in your best interest or … (0 comments)
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credit repair: Texas Veterans have Special Programs Too - 07/01/08 12:13 AM
Did you know that as a US Armed Forces Vet that you have additonal benefits by living in Texas? Make sure you check out the Texas Veterans Land Board http://www.glo.state.tx.us/vlb/ . These benefits are in addition to your VA loan benefits. As we come up on independence day it is important … (0 comments)
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credit repair: True 100% Financing Still Exists - 06/18/08 12:43 AM
When it comes to 100% financing many people think that carrying a second mortgage (if you can get it to 100%) or to get down payment assistance to eliminate that pesky down payment. However there is a very simple and I might add elegant solution. That is the VA Loan. One … (3 comments)
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credit repair: Good Credit (and a good Broker) is like Money in the Bank - 06/16/08 06:48 PM
There is a saying "Good Credit is like Money in the bank" and today that is the operative phrase today. With the Fed poised to raise rates, lenders tightening their requirements and risk pricing adjustments being added at every turn it is becoming every borrower's responsibility to not only know their … (0 comments)
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credit repair: Getting the loan you want in this tough Market - 06/02/08 11:34 PM
Getting that conventional Loan that you want for your new home just got Tougher in today's Market. Today FNMA (Fannie Mae) rolled out version 7 of the their Automated Underwriting System (AUS). Although not a surprise the biggest change is that if you've had a foreclosure in the past five.... YES … (0 comments)
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