David's Blog

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Mortgage and Lending - American Pacific Mortgage - Corporate NMLS 1850
My blog will try to provide you insights into mortgage lending, my prospectives into the real estate market and general information. I provide this based upon my 39+ years in the real estate, building and now for the past 23 years the mortgage industry.

ARCHIVED BLOG POSTS

2009 

The basis of most mortgage lending is credit scoring.  In general, the higher a person's credit score, the lower his offered mortgage interest rate. Despite the many credit scoring models in use today, however, just 3 are relevant to American homeowners: The Equifax BEACON® score. The Experian Fa...
03/12/2009
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David Kosmecki

local_phone(763) 519-1100
smartphone(763) 519-1100
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