fico: Get Into The NO-FEE Zone - Your 717 Credit Score Is Simply NOT Good Enough Anymore! - 03/20/09 11:15 AM
Back in 2003 you saved tons of money when you refinanced your mortgage at 5.5%. Your current balance is $159,000 and you are geared up to take advantage of the historically low interest rates by refinancing again - You know you are set because you have good credit and 22% equity in your home; Right?
Please keep in mind that this also applies toward people who are looking to purchase a home and  applies to Conventional Conforming home lending.
A call to your Bank and Local Mortgage Broker reveals a truth never mentioned in the media and throws you into shock … (3 comments)

fico: Is Credit Standing In Your Way Of A Home? Tips From The Experts - And Credit Repair Questions Answered - part 1 - 03/13/09 01:17 AM
Credit has become a huge issue over the past year. Week in and week out, I meet with customers who have a compromised credit file and as the result . . . a lower credit score. Guidelines continue to change requiring a higher score in order to get a preferred interest rate. People with 700 credit scores are being looked as a RISK - WHAT! With the opportunities for first-time home-buyers, the historically low interest rates, and abundant inventory of homes on the market, I wanted to begin a series on the importance of credit and provide valuable information on the mis-conceptions about credit … (3 comments)

fico: The Ease of Getting a Mortgage in the New Year - - 12/05/08 01:36 AM
Getting a Mortgage Today Doesn't Have to be Difficult
The credit crunch, the credit squeeze, the credit crisis... You've seen the headlines. You've heard about the government's $700 billion rescue plan to deal with it. But what does it mean to those looking to secure financing and take advantage of lower home prices? Can someone still get a mortgage in today's volatile market?
The answer is yes, absolutely! While the credit markets have certainly tightened compared to two years ago, nearly $2 trillion of residential mortgages will have been funded in the US by the end of this year, according to … (0 comments)

fico: Is Credit Repair A Legal Solution To A Big Problem? - 11/06/08 08:53 AM
It is sad to say but our society seems to decide our value by our credit line or credit worthiness. With a good credit report, it is likely you will participate in and enjoy many of the finer things in life. However if your credit report is "challenged", you probably will not.
Few creditors, if any, will extend individuals with bad marks on their credit history loan options.
But what if you had no other option? What if you were forced to choose between buying food, and making the payment on your car? What if you were prevented from making timely … (0 comments)

fico: Is Credit Repair Ethical??? - 09/14/08 12:03 PM
Is Credit Repair An Ethical Solution To A Big Problem?
-by Gwenn Tanvas
 Many wonder if it's unethical to attempt to remove valid bad credit issues from a credit report.  I say, "Yes, it is," and here's why.
The credit reporting and ranking system has been and continues to be unfair to American consumers. We are forced to participate in something we did not volunteer for and are punished for mistakes whether they are ours or not.  We cannot opt out of this system and no consideration is made for circumstances that are beyond our control.  However, "credit repair" … (1 comments)

 
Gwenn Tanvas, The Mortgage Gal, 920.267.7891~ SMART - INNOVATIVE (NEXA Mortgage LLC an Equal Housing Lender NMLS # 1660690)

Gwenn Tanvas

The Mortgage Gal, 920.267.7891~ SMART - INNOVATIVE

Appleton, WI

More about me…

NEXA Mortgage LLC an Equal Housing Lender NMLS # 1660690

Address: The RAM Team | Green Bay | Appleton | FondDuLac NMLS# 1296548, 3138 Market Street, Ste. B, Green Bay, WI, 54304

Office: (920) 267-7891

Mobile: (920) 858-1203


MY MISSION: 1 - Looking to network with Wisconsin Real Estate Agents... share really great tips and help friends BOOST their business! Help me contribute to the industry in a whole NEW way!!
2- Provide valuable information to Wisconsinites that help them make great decisions, save time, money and truly have a great experience when it comes to buying and financing real estate in this great state!




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