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Credit Tips That Will Score Lower Interest Rates - 03/31/10 04:47 PM
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Credit Scores: When Good is Not Good Enough - 03/30/10 03:56 PM
Credit Scores: When Good is not Good Enough In the past, a consumer with a FICO score of 620 was considered to be a low-risk borrower by Fannie Mae and Freddie Mac. Not anymore. After suffering major losses in the mortgage market last year, the nation's two largest mortgage finance lenders have redefined risk, announcing new Loan-Level Price Adjustments (LLPAs) for borrowers with FICO scores below 720. LLPAs are automatic, cumulative fees based on credit scores and the loan-to-value, and they can significantly increase the cost of mortgage credit. These fees have nothing to do with your mortgage company or … (2 comments)
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Sample Credit Report Dispute Letter - 03/29/10 04:54 PM
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Shopping for the Right Mortgage - 03/26/10 04:15 PM
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Interest Rates: When is the Best Time to Lock? - 03/25/10 05:08 PM
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Protecting Credit During Divorce - 03/24/10 11:05 PM
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My Credit Score Just Dropped, What Happened? - 03/23/10 04:37 PM
My Credit Score Just Dropped, What Happened? You've been working really hard to increase your credit score. You've done everything you thought you were supposed to do to present yourself as a creditworthy individual. So, why did your score suddenly drop? What happened? Unfortunately, this is a common occurrence with many consumers today, a situation that likely could've been avoided if you had only been working with a qualified credit improvement specialist from the beginning. Remember, there's no shame in seeking help with your credit. Credit scoring models are based on a number of factors that, when combined, add up to … (0 comments)
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My Credit Score Just Dropped, What Happened? - 03/23/10 04:37 PM
My Credit Score Just Dropped, What Happened? You've been working really hard to increase your credit score. You've done everything you thought you were supposed to do to present yourself as a creditworthy individual. So, why did your score suddenly drop? What happened? Unfortunately, this is a common occurrence with many consumers today, a situation that likely could've been avoided if you had only been working with a qualified credit improvement specialist from the beginning. Remember, there's no shame in seeking help with your credit. Credit scoring models are based on a number of factors that, when combined, add up to … (0 comments)
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My Credit Score Just Dropped, What Happened? - 03/23/10 04:36 PM
My Credit Score Just Dropped, What Happened? You've been working really hard to increase your credit score. You've done everything you thought you were supposed to do to present yourself as a creditworthy individual. So, why did your score suddenly drop? What happened? Unfortunately, this is a common occurrence with many consumers today, a situation that likely could've been avoided if you had only been working with a qualified credit improvement specialist from the beginning. Remember, there's no shame in seeking help with your credit. Credit scoring models are based on a number of factors that, when combined, add up to … (0 comments)
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My Credit Score Just Dropped, What Happened? - 03/23/10 04:35 PM
My Credit Score Just Dropped, What Happened? You've been working really hard to increase your credit score. You've done everything you thought you were supposed to do to present yourself as a creditworthy individual. So, why did your score suddenly drop? What happened? Unfortunately, this is a common occurrence with many consumers today, a situation that likely could've been avoided if you had only been working with a qualified credit improvement specialist from the beginning. Remember, there's no shame in seeking help with your credit. Credit scoring models are based on a number of factors that, when combined, add up to … (0 comments)
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Credit Repair Service: What to Expect - 03/22/10 04:03 PM
Credit Repair Service: What to Expect Google the term "credit repair" and 19 million results are instantly generated. With so much information available, and so much of it conflicting, how do you know which credit repair company is legitimate and which ones are really just looking to take advantage of desperate consumers? The following are steps you can take to know exactly what to expect from a legitimate credit repair company and the valuable services they provide: Get a referral from your mortgage professional. Not only do we work with credit repair specialists on a regular basis, our business depends on … (0 comments)
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Credit Scores: Why Should I Care? - 03/19/10 03:35 PM
Credit Scores: Why Should I Care? It's not just banks and lenders that rely on credit scores to help make important credit decisions. Landlords, employers, insurance companies, and even cell phone and other utility companies all reportedly utilize credit scores to help determine their business and credit relationships with consumers. This means that your credit is the most important component of your entire financial portfolio. Because of this, monitoring and managing your FICO score is vital, especially if you're looking to buy or refinance a home anytime in the near future. The FICO scoring system was created in the 1950s by … (1 comments)
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Getting Ready to Move? Here's a Checklist! - 03/19/10 09:14 AM
Getting Ready to Move? Here's a Checklist! … (0 comments)
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Quick Tips for Getting Started on Your Refinance - 03/16/10 04:22 PM
Quick Tips for Getting Started on Your Refinance
When you refinance your existing mortgage, you are essentially paying off the existing mortgage debt and replacing it with a new loan. Many of the same costs are involved in refinancing a loan as are in first-time financing. To start with, the lender will need personal information to verify employment for you and your co-borrower (if there is one). They will also need information regarding all of your debts and assets, including your existing mortgage. In order to expedite the paperwork process, start gathering the following items:
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How Purchase Loans Are Made - 03/15/10 05:32 PM
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How Much Money Should You Borrow? - 03/12/10 04:36 PM
How Much Money Should You Borrow?
While it might be tempting to borrow whatever amount of money your lender is willing to give you, it's important to think carefully about how much you'll actually need to borrow in order to purchase a new home. From the down payment to taxes to insurance and interest rates, there are many factors to consider when making this important, life-changing decision. Contrary to popular sentiment, there is no standard formula for accurately calculating the specific dollar amount you should borrow when purchasing a new home. Many websites do offer special borrower calculators that claim … (1 comments)
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Stop Paying Your Landlord's Mortgage - 03/11/10 04:41 PM
Stop Paying Your Landlord's Mortgage!
It's staggering when you think about the cost of living, especially if you're a renter and not a home owner. If you are currently paying $1,000 a month for rented housing, then over the next three years, your property management company will effectively have reaped $36,000 of your hard earned cash! You're paying their mortgage when you could be building equity in your own property. What if I don't have the money to buy a home right now? There are many loan programs available that offer low and no down payment options. Some programs permit … (0 comments)
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5 Ways to Raise Your Credit Score-And Fast - 03/10/10 04:10 PM
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Quick Tips for Getting Started on Your Home Purchase - 03/09/10 04:52 PM
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Know the Score: Three Steps to Better Credit - 03/08/10 03:56 PM
Know the Score: Three Steps to Better Credit If you are looking to buy, invest in, or refinance real estate now or in the coming months, your credit is going to play a more significant role in today's tight-fisted credit environment than it has in the past. It's that simple. Would-be borrowers need to address any and all credit issues now to avoid having to pay for it later. But, here's the kicker. Nearly 80% of all credit reports contain errors of some kind. Recent studies also indicate that about one-fourth of these reports contain mistakes so egregious that applicants could … (0 comments)
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Mixed Data Affects Rates - 03/05/10 04:43 PM
Mixed Data Affects Rates Economic data was the primary force driving mortgage rates this week. Generally weaker than expected data resulted in modest improvement in rates for most of the week. This was completely offset by an increase in rates on Friday due to stronger than expected Employment data, however, leaving mortgage rates nearly unchanged from last week. Against a consensus forecast for a decline of -50K jobs, the economy lost -36K jobs in February, and the revisions from prior months showed more jobs than previously reported. The Unemployment Rate remained unchanged from January at 9.7%, which was lower than expected. … (0 comments)
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Planning Your Mortgage and Seeking Pre-approval - 03/04/10 04:32 PM
Planning Your Mortgage and Seeking Pre-approval The Benefits of a Professional Consultant Choosing the right lender is a key element to managing your mortgage. As a mortgage consultant, my goal is not just to provide you with a loan, but also to help select the one most beneficial to you and your long-term goals, and then, help you manage that debt over time. There are not many lenders out there who provide this type of personalized service. My job is just beginning when your first loan closes. I will continuously monitor rates on your behalf, and stay in touch with you … (0 comments)
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Identity Theft: Protect Your Financial Future - 03/03/10 04:08 PM
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Avoid Changes to Your Financial Profile During the Loan Process - 03/02/10 04:16 PM
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Credit Tips That Will Score Lower Interest Rates - 03/01/10 02:53 PM
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Brad Cullipher
Brad Cullipher Austin Mortgage
Austin,
TX
More about me…
Austin Mortgage
Address: 1720 W Anderson Lane, Austin, TX, 78757
Office Phone: (512) 852-8883
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