credit score: Bank Of America Sues Itself - Mortgage by Randy Newsletter - May 2012 - 05/30/12 12:42 PM
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credit score: Baker’s Dozen Money Sucking Homeownership Costs – Part 2 - 05/16/12 09:28 AM
Relocating ain’t cheap. You either have to absorb the time to do it yourself or hire a professional to ensure it gets done right.
In Part 1 of Baker’s Dozen Money Sucking Homeownership Costs, you learned the first 4 budget items you must plan for and be prepared to pay at or before closing.
The money drain does not stop there. Moving costs have to be planned in your relocation budget regardless of whether you are moving 10 blocks or 1,000 miles.
Part 2: Moving CostsWhen you buy a house, be sure to budget properly for the big move by considering these five transition … (1 comments)
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credit score: FHA Jacks Up Loan Costs - Mortgage by Randy Newsletter - Mar 2012 - 03/26/12 08:05 AM
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credit score: Taxoline Season - Mortgage by Randy Newsletter - Feb 2012 - 02/26/12 05:47 PM
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credit score: Will Low Rates To Continue? - Mortgage by Randy Newsletter - Jan 2012 - 01/28/12 05:51 PM
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credit score: Jobs Report Dirty Secrets - Mortgage by Randy Newsletter - Dec 2011 - 12/20/11 02:25 PM
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credit score: Mortgage Rejected Over $14 - Mortgage by Randy Newsletter - Nov 2011 - 11/28/11 03:20 PM
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credit score: Hurricane Irene Scams - Mortgage By Randy Newsletter - Aug 2011 - 09/01/11 01:35 AM
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credit score: Forgivable Mortgage Program - Mortgage by Randy Newsletter - July 2011 - 07/18/11 12:41 PM
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credit score: 24 Intimate Facts Your Credit Score Ignores - Mortgage by Randy Newsletter - June 2011 - 06/21/11 05:25 PM
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credit score: Bad Advice About Credit Scores From A Well Meaning Blog Contributor - 04/29/11 01:43 AM
I found more bad advice on the Internet from a well-meaning blog contributor (let's call him Bob). Bob's post was in response to a question about whether it is better for your credit score to pay off your credit card in full or carry some kind of balance and pay some interest. Is our chant from yesterday's Daily Dollar ringing in your head?
Tell Us What You ThinkDid you get in on the Daily Dollar poll yet? Click here to answer Yes or No to an important question about managing your credit score.
Bob's Argument: Fact Or Fiction?Bob presented a pretty … (7 comments)
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credit score: 100% Financing Still Exists! - Mortgage by Randy Newsletter - Feb 2011 - 02/28/11 01:24 PM
Mortgage by Randymonthly update to our clients, colleagues, family & friendsBy: Randy Mitchelson, February 2011
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In Issue 35 We Touch On:100% Financing Still Exists!Win A Bid On A ForeclosureWhy Different Credit Scores Exist
I am surprised that I witnessed the Dow Jones Industrial Average break 12,000 this month amidst all the signs of a jobless recovery. Even "Mr. Fed", Ben Bernanke himself, has little optimism about our so-called economic recovery (see his quote below). You would think that unrest in the oil rich Middle East and North Africa would cause investor confidence to falter - uncertainty is the enemy of stock … (0 comments)
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credit score: Death Of Free Credit Report Ads - Mortgage By Randy Newsletter - Apr 2010 - 04/18/10 11:38 PM
Mortgage by Randy
monthly update to our clients, colleagues, family & friends
By: Randy Mitchelson, April 2010
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In Issue 25 We Touch On:
Death Of Free Credit Report Ads
Last Call For Low Mortgage Rates?
Endless Cash For Gold Advertisements
One of my strongest beliefs is that things happen for a reason. As we begin the third year of this newsletter, it has occurred to me that we have been living through one of the most challenging economic environments in generations. There is massive upheaval in the banking and mortgage industries. New laws are being passed by … (2 comments)
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credit score: Escrow Analysis Season - Mortgage By Randy Newsletter - Mar 2010 - 03/19/10 12:01 PM
Mortgage by Randymonthly update to our clients, colleagues, family & friendsBy: Randy Mitchelson, March 2010
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In Issue 24 We Touch On:Escrow Analysis StatementsCredit Card Annual FeesRewarding Good Behavior Spring is in the air. March Madness is upon us (Go ‘Cuse) and home buying season is here. Spring 2010 may prove to be one of the best seasons to purchase a home. Rates have sunk to historic lows again. The federal government is bribing shoppers with up to $8,000 tax credit (hurry the clock is winding down). Many property owners are desperate to sell at rock bottom prices including many banks that … (0 comments)
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credit score: 2009 Year In Review - Mortgage by Randy Newsletter - Dec 2009 - 12/20/09 08:46 PM
Mortgage by Randymonthly update to our clients, colleagues, family & friendsBy: Randy Mitchelson, December 2009==================================================================In Issue 21 We Touch On:2009 Year In ReviewHomebuyer Tax Credit Extended/ExpandedShort Sale Pros & ConsWow! Another year is coming to an end and many people are saying, "good riddens" to 2009. No matter what your lot in life, if you and your family have your health there is a lot to be grateful for. Without your health, you have nothing. In this issue we reflect on 2009 and provide information to help you in 2010 and beyond.The current newsletter and all prior newsletters are archived at the … (0 comments)
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credit score: Mitchelson Quoted In CBS Moneywatch Article: 5 Refinacing Killers...and How to Avoid Them - 12/07/09 09:14 PM
Licensed mortgage professional Randy Mitchelson shares tips on how to prepare for a mortgage finance in Jeff Wuorio's article at CBS MoneyWatch:
5 Refinacing Killers...and How to Avoid Them
http://moneywatch.bnet.com/saving-money/article/how-to-refinance-now-and-avoid-rejection/370914/?tag=fd-must-read;main-promo
Underwriters have a lot of time on their hands these days to scrutinize loan files. Consumers should work with a licensed mortgage professional ahead of applying for a loan to review the entire scenario. This will allow red flags to surface ahead of time.How do you know if the mortgage person you are dealing with is licensed and reputable? Consumer can enter their zip code at http://www.namb.org/assnfe/SearchBroker.asp?TYPE=LENDING_INTEGRITY&SnID=1647248346 and find a … (0 comments)
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credit score: Credit Score Myths - Mortgage by Randy Newsletter - Sept 2009 - 09/17/09 01:22 AM
Mortgage by Randy
monthly update to our clients, colleagues, family & friends
By: Randy Mitchelson, September 2009
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In Issue 18 We Touch On:
New Truth In Lending Law
Credit Score Simulators
Home Purchase Timeline Tips
Summer fun is over and with school in full swing and the hectic holiday season just around the corner, these next few weeks are ideal for taking advantage of weekends. In these uncertain economic times, people are embracing the day-tripper mentality. Affordable, closer to home outings (to state and national parks for example) have replaced the extravagant beachfront resort rentals. Lay away plans and Christmas … (2 comments)
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credit score: R.I.P. Colonial Bank - Mortgage by Randy Newsletter - Aug 2009 - 09/17/09 01:17 AM
Mortgage by Randy
monthly update to our clients, colleagues, family & friends
By: Randy Mitchelson, August 2009
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In Issue 17 We Touch On:
R.I.P. Colonial Bank
Easier Access to Personal Loans
Foreclosure Impact on Credit Scores
A month full of travel has delayed the release of this newsletter and it was a great feeling for my head to hit my own pillow last night. Back to School season is upon us. Let's use this as a reminder that kids need to learn about money, credit and loans early on in life so they are well prepared to make good decisions … (0 comments)
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credit score: Improve Your Credit Score - 05/18/09 11:59 PM
How Long Does It Take to Improve My Credit Score?
It only takes a few months to destroy a good credit history, but it takes much longer to rebuild it. The answer to today's question is "it depends". One tool that will help rebuild credit is to monitor it closely using a service like Identity Lookout. Belive it or not, in some situations, it may make sense to NOT pay off a debt since it could cause more harm than good to the overall credit profile.
Credit scoring is far from cut and dry. The formula considers up to 50 … (0 comments)
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credit score: Mortgage Law Would Hurt Consumers - Mortgage by Randy Newsletter - May 2009 - 05/18/09 11:55 PM
Mortgage by Randy
monthly update to our clients, colleagues, family & friends
By: Randy Mitchelson, May 2009
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In Issue 14 We Touch On:
Politicians Write Bad Mortgage Legislation
Americans Put Away Credit Cards
Buying Credit Scores
April ended with another seminar and more homeowners getting educated with the latest news about the property insurance, real estate, self-directed IRA, mortgage and credit markets. Feedback from the Estero, Florida audience was favorable and many thanks to fellow presenters Jerry Elliot (Oswald Trippe Insurance), Dina Cecere (Dina Cecere Realty), Paul Cecere (Centennial Lending Solutions) and Austin Hardy (Entrust). On to the news....
The … (0 comments)
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