Real estate blog entries tagged with credit

Blog entries tagged with "credit":

credit: How Long Have You Been In the Business? - 10/10/08 08:15 PM

A common question. I recently met some new realtors and was asked this question. My answer, since 1991 when I started working for Great Western Financial. At that time, a huge S & L on the West Coast. I was put through rigorous training in processing, underwriting and operations. I am … (2 comments)

credit: So, have you heard about criminals "shaving"?? - 10/10/08 02:57 PM

This one was new to me... We've all heard about high tech online and email scams that are used by criminals to trick consumers out of their money. But now, some scammers are relying on good old low-tech skills to steal money from consumers... sometimes without being detected for months!
Authorities … (0 comments)

credit: Oklahoma's Autumn Financial Review - 10/10/08 01:35 AM

The last 3 weeks of September 2008 saw Oklahomans harvesting pumpkins and persimmons pretty much as usual. Nationally things were far from usual. The federal government seized Freddie Mac and Fannie Mae, Leman Brothers filed bankruptcy, and Merrill Lynch on the verge of bankruptcy was bailed out by Bank of America. … (16 comments)

credit: How Healthy is Your Credit Rating? - 10/09/08 02:47 PM

Your Credit Rating Can Have a Serious Affect on Your Ability to Purchase a Home...Especially Now When is the last time you checked your credit report? Do you know what secrets it contains? You should.

Georgia residents, did you know you are allowed two FREE credit reports per year, … (2 comments)

credit: Credit Crunch - 10/09/08 02:19 PM

If anyone has a tv, radio, or a pair of eyes for that matter, they have probably heard about the lack of credit flowing in the american banking industry. The bail out bill passed and this was supposed to prevent or at least partially abate this problem. Well I am getting … (0 comments)

credit: Score: What is it Good For? - 10/09/08 02:07 PM

The Elements of a Credit Score
(click here to watch a video)A credit score is an extremely important financial tool. It provides access to the financing you need in order to buy a car, a home, or pay for college tuition, among other things. Since higher scores equate to lower … (0 comments)

credit: Factors that Affect Your Credit Score - 10/09/08 10:47 AM

There are several factors that can influence your credit score.
Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score:First: Your payment history. Did you pay your credit card obligations on time? If they were late, then how … (0 comments)

credit: Was Chicken Little Right? - 10/08/08 09:07 PM

IS the sky falling? Considering the fact that Nobel Prize winning-economists, Congress, and the Cabinet don't seem to know, I'm not going to dare to opine. However, I do have some observations about our local real estate market - lovely Richmond, Virginia, my hometown - which I am listing below in no particular … (2 comments)

credit: Veracity Credit Optimization For Your Clients Now More Than Ever - 10/08/08 06:24 PM

Now more than ever it's critical that your clients keep their credit score optimized.www.tkqlhce.com/click-3191492-10470465
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credit: Federal Reserve Lowers Key Rate by Half Point - 10/08/08 03:58 PM

The Federal Reserve cut the key rate by a half point this morning in an effort to free up credit between banks and for consumers. This should mean lower interest rates for home and auto loans. Home owners needing to refinance their ARM's have an opportunity to do so at great … (0 comments)

credit: Rebuilding Credit: It's Not Too Late - 10/08/08 05:29 AM

Rebuilding Credit: It's Not Too Late
It's true, negative credit items can remain on your credit report for up to 7 years (up to 10 years for public records, such as a bankruptcy, tax lien or judgment). But this doesn't mean that you have to wait 7 to … (0 comments)

credit: Real Estate Workshops / Seminars in Gloucester County, NJ - 10/07/08 12:40 PM

MONEY MATTERS WORKSHOPS
Instructor: Steve Kappre, Certified Mortgage Planner
Location: High School Room 110, Clearview High School
Manage Home Equity Safely and Conservatively Build Wealth
Oct. 7 • 7:00-8:30 pm
Learn how the wealthy use their home's equity and mortgages to safely grow their assets.  Examples will be given such as strategies to fund retirement, college expenses, … (0 comments)

credit: Biggest Credit Myths, Mistakes and Misconceptions - 10/07/08 06:41 AM

For more information about LEGAL CREDIT RESTORATION, please contact me! Lisa Apelian - (727) 772-3863 or email: lisa.apelian8@yahoo.com. Thanks!
… (0 comments)

credit: Higher Credit Scores? Tighter Money? - 10/04/08 12:20 PM

Is money getting tighter? Do you need higher credit scores?
I've heard lately that credit is getting tougher to get. Even if your scores are in the 800's. However, I'm trying to figure out if this is for stuff like department store credit, or if it's actually affecting mortgage lenders.
… (2 comments)

credit: What's My Credit Score? (Free Credit Report) - 10/03/08 08:15 PM

Your credit score is a measure of your credit risk at a certain point in time. The higher your score, the more favorable lenders may be. A proprietary version of the credit score by Fair Isaac Corporation is the FICO score which ranges between 300 and 900.
If you want to … (0 comments)

credit: Gripes From a Fellow Loan Originator - 10/03/08 07:54 PM

I received an email the other day from a friend of mine who is a loan originator also. She was very frustrated because of a couple dealings with real estate agents in the last several weeks and wanted A) Advice B) To vent C) All of the above. Being a smart … (7 comments)

credit: First Time Home Buyer Tax Credit - 10/03/08 01:05 PM

Kevin Monahan REALTOR Weichert Realtors -- Suburban Properties The First Time Home Buyer Tax Credit Many first time home buyers that cross my desk are completely under educated on the benefits of buying a home. Even when one finally comes through they always have a problem with cash down. Well … (0 comments)

credit: “FICO” Secrets How is my FICO score determined? - 10/02/08 04:35 PM

“FICO” Secrets How is my FICO score determined?

Payment History………………….………………………………………………………….35%
􀀹 Have past credit accounts been paid on time?
􀀹 Any “public records” or collection items?
􀀹 Details on late missed payments?
􀀹 How many accounts show NO late payments?
Amounts Owed ……………………………………………………………………………..…30%
􀀹 How much do you owe on … (0 comments)

credit: Credit Crunch - 10/02/08 03:53 PM

I always listen to talk radio whenever I am in my car, and this is what I've been hearing...
Credit Card Companies are decreasing people's credit limit! And it is not just to those who make late payments or miss payments...but also to those responsible borrowers who continually make their payments … (2 comments)

credit: Does The US Market Have a Strong Economic Future? - 10/02/08 02:31 PM

The US Market:
The U.S. financial crisis has shaken investor confidence in our. economy, and for good reason. After nearly a decade of excessive borrowing and lax financial regulation, the economy is in a painful credit crisis resulting in Bank failures, home foreclosures, credit card delinquencies. The credit crisis … (7 comments)

credit: Captain Credit - 10/02/08 02:27 PM

have said this again and again in past Blogs, but I am making this the focal point of this write because it is the truest thing you will ever read on the Internet. EVERYONE with a heartbeat and a brain knows what caused this real estate mess we are in.......... EASY … (0 comments)

credit: Credit Scores: Why Should I Care? - 10/02/08 08:23 AM

… (4 comments)

credit: $19million paycheck for 3 weeks work....WooHoo!!!! - 10/02/08 12:29 AM

Washington Mutual's CEO Alan Fishman, who was appointed in early September, will walk away with a $7.5 million hiring bonus and severance of $11.6 million. Now that's what I call one sweet deal. No wonder WaMu's slogan is WooHoo. I am sure he could visions of prosperity as he came on board, … (4 comments)

credit: D-I-V-O-R-C-E --- Divorce and Credit...... How Does it Affect You?!?!? - 10/01/08 11:48 PM

Divorce or dissolution of marriage is the termination of a marriage.
Divorce can be contrasted with an annulment, which is a declaration that a marriage is void, though the effects of marriage may be recognised in such unions, such as spousal support or alimony, child custody, child support, and distribution of property.

The above is from WikipediA, the … (12 comments)

credit: More Proof the Bailout is Handout - and a Lie - 10/01/08 08:21 PM

Suppose you were an idiot. And suppose you were a member of Congress. But I repeat myself. - Mark Twain, a Biography
If at first you don’t succeed, try to destroy the economy again. That seems to be Congress’ motto these days, as they prepare to vote on the “revised” … (9 comments)

credit: "Credit Crisis" Time To Repair And Restore Your Credit - 10/01/08 02:28 PM

The bad news first (as if you needed to hear it again). At this very moment we are experiencing a "Credit Crisis" as the U.S. economy struggles to maintain it's ability to keep our head above water. Banks are failing, gas prices are on the rise, foreclosures have increased while home values have plummeted. … (0 comments)

credit: Who's in the driver's seat? BUYERS! - 10/01/08 01:31 PM

Buyers with good credit are in the driver's seat.
The entire country is on the edge of its seat waiting to see where this economy is heading. The federal government is stepping in to bail out private sector firms at an unprecedented rate. Many see this as a housing crisis and … (1 comments)

credit: Are You Covered by the FDIC? - 10/01/08 10:35 AM

Its a little scary out there right now. So I thought I would check and see what the FDIC covers and what it does not.
The FDIC protects checking and savings accounts, CD's, and money-market savings accounts, but not stocks, bonds or mutual shares even if you purchased them from a … (3 comments)

credit: Circumstances Happen - 09/30/08 10:23 PM

What a week. It has already been a week of shocking circumstances. The market is down. The market is up. Circumstances. The bailout is sure to pass. The bailout didn't pass. Circumstances. Credit has tightened. Rates are down. Circumstances. Buyers are afraid. Sellers are upside down. Circumstances.
There will always … (6 comments)

credit: Affordable Foreclosure Legal Assistance - 09/30/08 08:31 PM

… (1 comments)

credit: Is now a good time to buy? - 09/30/08 07:21 PM

If the economy does not continue to revolve then the USA as we know it will probably change.
Or we may end up like our friends from 1931, see picture!
Give what's happening in the financial markets, it's hard to know whether to jump in and take advantage of today's lower prices, … (7 comments)

credit: Cdn Do-Not-Call List System Crashes - 09/30/08 05:53 PM

Thousands of people rushed to register their numbers on the Do-Not-Call List caused the website servers to crash. The CRTC has since announced that they are increasing capacity/bandwidth to their website.
The CRTC has also said that by 1:30pm on Tuesday, 223,000 people has registered for the service. More than one million … (2 comments)

credit: Bankers around the world are making changes. - 09/30/08 05:24 PM

Bankers around the world went into miser mode Tuesday after the defeat of a U.S. bailout plan, pushing an interest rate they charge each other for quick cash to a record level.
The key bank-to-bank lending rate, the London interbank offered rate, known as LIBOR, soared to 4.05 per cent from … (0 comments)

credit: Congressional Rescue - Why we need it and NOW! - 09/30/08 04:21 PM

While I’m at it, check the Bend Bulletin front page article on the rescue plan delay. “Local experts worry consumers could take a hit” Yesterday I spoke with Jeff McDonald of the Bulletin about the severe impact on Bend residents if the rescue plan is not enacted. When we hide behind … (0 comments)

credit: You have credit with us! Now IS a good time to buy! - 09/30/08 03:52 PM

Here is an interesting article from today’s Wall Street Journal by June Fletcher entitled “Is Now a Good Time to Buy a Home?” Even though the author refers to the Credit Suisse analyst projections of stabilizing in approximately 18 mos (see the last 2 paragraphs), for the right person, NOW is … (3 comments)

credit: Credit Scoring Part III: Dealing with Challenges - 09/30/08 01:36 PM

Part III: Dealing with Challenges
Typically, a person with a low credit score is in this position because they lack structure in his or her life. There are, of course, cases where unplanned health or employment complications are to blame, but for the most part, these are individuals who lack the … (0 comments)

credit: Credit Scoring Part II: The Five Factors of Credit Scoring - 09/30/08 01:34 PM

Part II: The Five Factors of Credit Scoring
There are five factors that comprise the credit score. They are listed below in order of importance, just as an underwriter would look at the score:

· Payment History: 35% impact. Paying debt on time and in full has a positive impact. … (0 comments)

credit: Is High Inflation on its way? - 09/30/08 07:39 AM

The posted interest rates on five-year mortgages jumped more than a third of a percentage point to 7.2 per cent at major Canadian banks this week.
Some think the extra government borrowing and a growing supply of money will sow the seeds for higher inflation and interest rates.
The cost for … (1 comments)

credit: Our Future Finance - 09/30/08 07:27 AM

Well folks. Here we go. We will be seeing the following very soon be prepared..
Higher Interest Rates, We have to pay the debt somehow and we are really in debt now.So My stratagy is put your money in CD's now and be ready.. The stock market is going tobe rough for … (1 comments)

credit: Protect Yourself From ID Theft - 09/30/08 12:47 AM

Sorting through credit card offers and other unwanted mail may be frustrating and seem like a waste of time, but think twice about just throwing them in the trash ... unless you don't mind increasing your chances of becoming a victim of identity theft.
Eliminate the Source
The best way … (0 comments)

credit: Top Misconceptions in Purchasing a 1st Home - 09/30/08 12:09 AM

This letter is for anyone that dreams of having their own home, but because of inaccurate information or misconceptions in regards to purchasing, they just don't bother to try or have tried in the wrong places. With the sub-prime lending meltdown and foreclosures on almost every headline and news reports today, … (0 comments)

credit: Refinancing - 09/29/08 08:19 PM

Mortgage refinance is becoming a popular financial remedy, especially for those who are burdened by large monthly installments or multiple debts. Mortgage refinance can prove beneficial in several ways:
Helps obtain a lower fixed rate Convert an Adjustable Rate Mortgage into a Fixed Rate Mortgage Consolidating multiple mortgages into one Pay … (0 comments)

credit: Accessing Your Home Equity - 09/29/08 05:29 PM

Whether you want to refinance your existing mortgage or make use of your Home Equity for any purpose that you desire, the decision to refinance requires proper planning and consideration of several factors.A well qualified mortgage professional can be of great help to secure the best deal for you when you … (0 comments)

credit: Renewing Your Mortgage - 09/29/08 05:23 PM

Renewing your mortgage is as important a financial decision as selecting your first one. While renewing your mortgage, you are in a stronger financial position as compared to where you were before. Your home equity grows over a period of time and by decreasing your principal loan balance, you are in … (0 comments)

credit: Home Buying - 09/29/08 05:18 PM

Few joys can match the feeling of moving into your own home. In addition to the self-satisfaction that comes along with this experience, you will also derive several long-lasting benefits. Owning a home helps build equity, as a house is considered the most valuable fixed assets. You can also benefit from … (0 comments)

credit: Interest Rates are going up in Canada - 09/29/08 04:57 PM

Mortgage rates with various financial institutions are expected to rise today in Canada, as a reaction to recent events in the USA.
Some financial institutions are still permitting clients to lock in rates (prior to rate increase taking affect) before the end of day. Contact your mortgage advisor for further details.
… (1 comments)

credit: House rejects Bailout Plan - 09/29/08 04:52 PM

The fate of the government's $700 billion financial bailout plan - a far-reaching attempt to stem a growing economic crisis - was thrown into doubt Monday as the House rejected the controversial measure.
The abrupt defeat left the Bush administration and congressional leaders scrambling to figure out whether to renegotiate the … (0 comments)

credit: Credit Scores: Why Should I Care? - 09/27/08 01:49 PM

… (0 comments)

credit: In the Market to Buy a New Home? How Well Do You Know Your Credit? - 09/26/08 04:59 PM

The kids have all recently gone back to school and we are already stunned by what they're learning. The Van Allen belt? Subjunctive clauses? Quadratic equations? Oh, how I wish we could all soak up such new knowledge so efficiently!
Most of us grownups are on a new learning curve, too. … (0 comments)

credit: Rent to Own - Calgary - 09/26/08 11:28 AM

Whether you're in the market to buy a home, sell your home while leveraging the benefits of ownership, or invest your hard earned money in that cash cow we call the real estate market, Bryon Howard can help you.
Buyers/Tenants
If you are in the market to buy a home, you … (0 comments)

credit: UVA Students - friendly advice... - 09/26/08 10:02 AM

If you are attending UVA this video may be of help. Do not end up like Robin (featured in the video). A little planning about finances may save you years of trouble...
http://www.youtube.com/watch?v=ct3OsJacTSs
About The Author
Charles McDonald, Associate Broker at RE/MAX Assured Properties and dedicated Buyers Agent is … (6 comments)

credit: Free Credit Reports and How to Use Them! - 09/25/08 10:01 PM

The Federal Trade Commission has always had to listen to consumers complain. A few years back, those complaints rose to a roar when consumers who were responding to an ad for a free credit report found themselves enrolled in a monthly service. The FTC stepped in and amended the Fair Credit … (0 comments)

credit: Golden Age to Dark Ages - 09/25/08 05:44 PM

When I started in Real Estate it was the "Golden Age". Phones rang, buyers looked, multiple offers came, lenders loaned, sellers sold and life was good. After 4 years I have seen a lot. Today is a whole new age. Granted we have very low rates and now homes are more … (17 comments)

credit: Credit Score Calculation - 09/25/08 04:03 PM

Think of your credit score like you would a grade in school. A teacher calculates grades by taking scores from tests, homework, attendance and anything else they want to use, weighting each one according to importance in order to come up with a final single number (or letter) score. Your credit … (0 comments)

credit: Credit Strategies for Real Estate Investors - 09/25/08 03:40 PM

Credit Strategies for Real Estate Investors
As a real estate investor, having knowledge of how to improve the credit rating of prospective buyers is one key to my success in the current market. Having relationships with mortgage brokers, lenders, credit repair companies and credit card companies has given us the ability … (0 comments)

credit: Join Our Team! - 09/25/08 12:20 PM

We offer employment opportunities for Mortgage Broker and Agent positions.
Some advantages you get by working for us:
Preferred Commission Compensation Package Access to numerous Lenders and Loan Programs Very experienced staff including management and processing staff Training on every aspect of the mortgage lending industry Professional work environment including office space, private meeting … (0 comments)

credit: Credit lenders suffering from withdrawal - 09/25/08 11:17 AM

I am sorry to keep talking about sad things in my luxury real estate blog entries, but I just read an article in CNN entitled "Ex-bankers on pushing customers to rack up debt" and it once again brought up many familiar concerns to my mind on the topic of consumer debt. … (0 comments)

credit: Theres only ONE site that offers a True Free Credit Report... - 09/25/08 10:42 AM

If you have been thinking of getting your credit report to see where you are know that there is only ONE true FREE site to go to get it. That site is annualcreditreport.com . Here you can find out your credit info once a year for FREE.There are many other sites … (0 comments)

credit: Your credit score can cost you over $300 a month in mortgage payments, so call and fix it now! - 09/25/08 10:15 AM

I still have clients I have been working with that called me 2 years ago to buy a house. Now, I wasn't actively showing them homes, but rather working on their credit with them. You see the problem was that they could get a loan, but the payments would be about … (5 comments)

credit: Services Offered - 09/25/08 08:23 AM

As a licensed Mortgage Agent, I offer the following services:
• New Home Financing
• Refinancing Existing Mortgages
• Mortgage Renewals
• Home Equity Loans
• Mortgages for Self-Employed
• 2nd Mortgages
• Line of Credit
• Debt Consolidation

In most cases my service is … (0 comments)

credit: Why Use a Mortgage Broker? - 09/25/08 08:16 AM

Why Use a Mortgage Broker?
As a licensed mortgage agent, I work for you and you alone. This independence allows me to offer you impartial advice about lenders and the products they offer. I guide you through the process of choosing the right mortgage.
I have access to various banks, credit … (0 comments)

credit: To Bailout Now Or Wait And See - 09/25/08 06:32 AM

Currently there are two debates going on within the hearts of people and within the lives of Americans. Who will be Americas next President and how will the American Economy survive. I have always believed and will continue to do so, Real Estate is the driving blood of everything American.
Let's say … (2 comments)

credit: Myth's About Credit Scores - 09/24/08 10:21 AM

By guest writer Debbie Dragon
It is common knowledge that your credit score is one of the main ways in which a lender judges your creditworthiness. But how much do you really know about credit scores and how they are compiled? Is what you believe based on fact or myth? There … (0 comments)

credit: CREDIT: For People Who are Thinking About Buying Real Estate - 09/23/08 02:40 PM

Over and over again, I am running into people who would like to buy real estate and find that they cannot get approved for a mortgage, because they have credit issues. I know this is not some big revelation. I know it is the headline in the news everyday right now. … (1 comments)

credit: Do you know if your clients' credit will be the same right before the closing day? - 09/23/08 07:29 AM

By Bill Arce
As a former real estate agent, I always advised my clients (once they were pre-approved) that for the time they were applying for a mortgage it was not a good idea to be messing with their credit. Why? Because usually the underwriter will check their credit report one … (2 comments)

credit: Managing for today, planning for tomorrow though visualization of where you want to be! - 09/22/08 02:30 PM

•· Managing for today, planning for tomorrow. We understand that owning a Income rental property is a long term business investment that requires sound business planning, proactive management, and a long term plan for meeting owner's investment goals. We offer robust services to meet these needs, from annual business plans, proactive … (0 comments)

credit: Credit - 09/18/08 04:09 PM

Credit scoring is a statistical method that lenders use to quickly and objectively assess the credit risk of a loan applicant. Today this is more important than ever
The score is a number that rates risk associated with paying your debt on time.

… (0 comments)

credit: Word of Advice (A Must Read) - 09/18/08 04:05 PM

5 minute - Management Course
Lesson 1: A man is getting into the shower just as his wife is
Finishing up her shower, when the doorbell rings. The wife quickly wraps herself in a towel and
runs downstairs. When she opens the door, there stands Bob,
the next-door … (4 comments)

credit: Great Course for first time home buyers: - 09/18/08 03:30 PM

Hi-
If you are nervous about the real estate market and want to be sure their making a sound investment, this online class is for you.
Realizing the Dream: Homeownership (FIN 099 01)
This online course provides information to a home buyer to help make sound choices that lead to financial security and … (0 comments)

credit: Good Credit Translates into Lower Rates for the Consumer - 09/18/08 11:39 AM

Credit Scoring
Part I: Good Credit Translates into Lower Rates for the Consumer

In the 1960s, Fair Isaac Corporation started working on a system lenders could use to evaluate the likelihood of receiving repayment on loans. Prior to that, it was really a matter of trusting an individual to be … (0 comments)

credit: Credit repair - 09/18/08 11:34 AM

We at Vision 1 Financial have been thinking of a new program and would like to get some feedback on this. We specialize in Credit Repair, and it is a proven method that I have seen work firsthand. I know that credit repair has gotten a lot of heat lately because … (2 comments)

credit: Allentown, PA Home Buying Video Series: Credit Basics, What effects my score? - 09/18/08 11:18 AM

Hello there and Thank you for visiting my blog!
Have you heard the news? Your Credit is being used for not only buying a home, car, getting credit from your local department store or your major credit cards...but, even sometimes...employer's are pulling your credit as part of the application process!
So, … (0 comments)

credit: Payday Loans No Faxing: Get Your Loan Without Faxing Papers - 09/18/08 06:58 AM

Payday loans no faxing are tailored for the people who are in a job. These people can face financial crunch before the next payday cheques arrives. They can avail these loans to overcome such situation. These loans fulfill any kind of emergency for short period of time.
The first feature … (0 comments)

credit: What Is My Credit Score and How Can I Increase it? - 09/17/08 08:54 PM

With lending standards tightening having a strong credit score is more important than ever. Sure maybe a few years ago you could walk into a mortgage office with a 500 credit score and no income verification and get a loan… but not today. Things have changed, and if you’re credit score … (2 comments)

credit: Financing is Available - 09/17/08 04:16 PM

Don't be discouraged by recent news events and what you hear around town. Financing is available. Every situation is different and banks are in the business to make loans. Yes, you need good credit, etc. but don't just assume if you have some credit issues you don't qualify to get a … (0 comments)

credit: I want to buy a Home, what's the process and what should I do to get prepared? - 09/17/08 08:27 AM

There are many things that you can do to prepare yourself for one of the most important financial dicision most people will make in their lifetime.
1. Self Analysis - Take a good look at where you are in your life and decide if you are truly ready for the responsibility of becoming … (6 comments)

credit: Elkhart County, Indiana, What is the Current condition of Your Credit? - 09/17/08 06:35 AM

Being a Credit Cardholder has lots of benefits, but also lots of responsibilies. It's hard to even pick up a newspaper or turn on the news without someone alerting you to the fact that good credit is a critical element in good financial management. Many of today's credit concerns that are … (0 comments)

credit: Providing a Good Faith to a Realtor...... just good Customer Service - 09/16/08 04:56 PM

RING RINGGGGGG there goes that dang phone again, oh hi Trunda Rogers , you need a Good Faith for your client? No problem, have it to you in 30 minutes. Sure no trouble, as I take down the credit scores and all the information on the home. Not a problem at … (5 comments)

credit: Realtors – Want to Make the Most of USDA Financing for Your Listings? Follow these Easy Steps - 09/16/08 04:52 PM

The most active segment of the housing market today is the
first-time homebuyer living in a rental, hoping to purchase a primary residence. This group is at a huge advantage to any other for a number of reasons:
No home to sell - In today's slower market, moving up into a … (4 comments)

credit: Your FICO Credit Score - How Is It Determined? - 09/16/08 01:22 PM

Fair Isaac, the creator of the fico scoring model, reports the following factors determine a fico credit score:
35% payment history 30% balances owed 15% length of history 10% new credit 10% types of credit used The percentages reflect how important each of these factors are.
See any surprises there? What about … (0 comments)

credit: Buying A Home Soon? Be Prepared... - 09/16/08 06:33 AM

September 16: You know that yesterday's stock market plunge means cheaper rates today on a 30 year fixed rate mortgage. You're right!
You decided last night that you're going to jump in right now and take advantage of the combination of low real estate prices and cheap money. Good move!
Be … (17 comments)

credit: ATTENTION FIRST TIME HOME BUYERS: WHAT YOU SHOULD KNOW ABOUT THE NEW TAX CREDIT!! - 09/15/08 03:06 PM

START TAKING ADVANTAGE OF THE $7500 TAX CREDIT NOW!!!

If you are a first time home buyer, chances are you have heard about the government tax credit of $7500 which you could be eligible for. Also, it's possible that some of you may not understand how the credit actually … (0 comments)

credit: Close Far More Loans With Us! - 09/15/08 01:35 PM

… (0 comments)

credit: What To Do About Unauthorized Credit Card Use - 09/15/08 11:40 AM

When someone steals or uses your credit card number without your permission your liability for unauthorized use is limited to $50. If someone steals your card and uses it your credit card company cannot demand that you pay more than $50 of those charges especially for use on the internet.
Debit … (0 comments)

credit: Understanding Credit Scoring - 09/14/08 08:23 PM

(Test Blog)Credit remediation is a subject consumers often face with fear and trepidation, and for good reason. With the exception of recognizing that the best score wins, the average home shopper knows very little about the whole credit scoring process. Sub-prime borrowers who are eager to move into A-Paper territory often … (1 comments)

credit: $7500 Tax Credit For 1st Time Home Buyers - 09/12/08 04:28 PM

Did you know about this?
Maximum of $7500 Tax Credit For 1st Time Home Buyers who purchase between April 9, 2008 thru June 30, 2009!
Great news for any 1st time home buyers out there.
An immediate great call to any 1st time home buyers you put in a home after … (4 comments)

credit: An insider and observer's view on the FNMA/FHLMC takeover - 09/12/08 03:29 PM

As you may know, recently control over Fannie Mae and Freddie Mac was assumed by the federal government. As an insider to the mortgage industry and an observer, here are some of my thoughts on this move.

Pros:

This needed to be done. Both the stock market and … (0 comments)

credit: Credit Repair? Does it REALLY work? - 09/12/08 09:43 AM

I cannot tell you the number of borrower's credit reports that I have seen with errors on them. A recent consumer survey found that 79% of credit reports had some type of error and that 25% had SERIOUS errors!
Errors almost always lower a person's credit score and make them appear … (0 comments)

credit: How to improve your credit score: Strongsville Real Estate - 09/11/08 08:52 PM

Posted by: CJ Harrington
Date: 09/11/08

Techniqually, there are no quick fixes for improving your credit. Yet, by consistently managing you finances responsibly, you can raise your score over time. Also, if you use the tips below you will become more financially sound and improve your credit score in addition.
… (0 comments)

credit: Borrowers With Low Credit Scores - 09/10/08 06:38 PM

Do you know someone that is or has suffered with bad credit and now with the credit crunch in today's economy they are having a difficult time purchasing or refinancing a home? As a Mortgage Advisor, I have made the tools available for my client, so they can experience what it … (0 comments)

credit: Fannie and Freddie Government Takeover - What's it all mean? - 09/10/08 05:15 PM

On Sunday, September 7th, the U.S. Treasury announced they would take control over Fannie Mae and Freddie Mac in order to try and stabilize the housing market and avoid a financial market crisis. Officials said they would put both Fannie Mae and Freddie Mac in a government conservatorship, replace their chief executives, … (5 comments)

credit: Fannie Mae and Freddie Mac Bailout - 09/10/08 06:17 AM

The News Is Buzzing....
Fannie Mae and Freddie Mac have been taken over by the federal government.
What does that mean for borrowers?
Well, first of all it does mean a drop in interest rates. Buyer's can expect to see up to a half percent drop in rates in the coming … (1 comments)

credit: Buyers... The PERFECT STORM IS HERE!! The time to buy is NOW!! - 09/10/08 01:03 AM

First time Home Buyers... Yes, the PERFECT STORM IS HERE!! The time to buy is NOW! Don't hesitate... RUN... To your nearest agent or REALTOR. Find your dream home! Make that offer and buy NOW! Your window of opportunity is closing, and closing FAST!
So, what makes this a perfect … (0 comments)

credit: Things You Should Know to Help Your Credit Rating - 09/09/08 10:47 AM

I am sure that all of the Realtors will have ran into this problem with clients. The Clients are ready to start looking, go to the mortgage company to find out what they can afford only to find out that their credit rating is not good enough. Well I found out from … (2 comments)

credit: Answers to tough questions about Credit in today's Environment - 09/09/08 10:06 AM

With the permission of a trusted lender, I am posting information that is very important to individuals who are faced with crisis in their lives concerning foreclosure, short sales, bankruptcy and the like. This is the most comprehensive, straight forward info you will find regarding your credit and how each instance … (0 comments)

credit: Credit repair, help or hype? Risk based pricing - 09/09/08 03:18 AM

Does credit repair work?
Of course it does if it is done by a reputable company with experience. Fact is 90% of all credit reports contain inaccurate data. That is no small number. After not being able to get clients qualified because of this I decided to do something about it.
… (0 comments)

credit: Got Non-Traditional Credit? No Credit? FHA & VA Loan Program Requirements Changing... - 09/08/08 01:14 PM

In the ever-changing world of lending, it has been announced that non-traditional credit will be ineligible for use on FHA and VA loans effective Monday, September 15, 2008. All borrowers must have a traditional credit history, with the exception of certain types of refinance transactions.
What is "Non-Traditional Credit?" Non-Traditional Credit … (1 comments)

credit: First Time Home Buyer's get a Tax Credit-See How - 09/07/08 09:25 AM

$7500 First Time Homebuyer Tax Credit
In our quest to continue to provide excellence to you, please find below the key points of the First Time Homebuyer Tax Credit that became law through the H.R. 3221 Housing and Economic Recovery Act of 2008. Please feel free to contact me should you … (1 comments)

credit: Credit Restoration Company Helps Close Deal - 09/06/08 10:16 AM

I recently had a client come to me who wanted to buy a home. He had less than perfect credit and felt it might be hopeless to take advantage of this buyer's market any time soon. I introduced him to a company that specializes in Credit Restoration. United Credit Education Services helped him … (0 comments)

credit: "Short Sales" The Realtor Cure for the Common Foreclosure!! - 09/06/08 10:12 AM

"Short Sales" The Realtor Cure for the Common Foreclosure!!
Now that the word "Foreclosure" is as common, as other less desirable words like "Cancer", "Teen Pregnancy" and "Child Neglect", it is time for us as a society to except it, take reasonability and fight it. Like all plagues; social and medical; … (10 comments)

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