Joe LaVallie's (joelava) Blog

It is almost impossible to function in today's society without a credit card.  What do you do if your credit won't allow you to be approved for a credit card.  Are you doomed to be frozen out of society or is there an answer? Don't expect credit card companies to have compassion and understand yo...

There are 5 moves that you don't want to do to your credit.  We all know that we should make our payments on time but there are other ways to lower your credit score.  If you have any questions about credit please feel free to contact me, DON'T CLOSE A CARD WITH A BALANCE.  When you close your ca...

Has the market recovered enough to attract the "house flippers" Yes it has because several markets are rebounding off the bottom. So what is house flipping?  It is when you buy a distressed house, make mostly cosmetic repairs and sell it as fast as you can.  There were a lot of investors who got ...

Don't do the following while you are applying for a loan.  I was at a lender conference last week and they are now calling underwriting "super full documentation" loans.  With this in mind. Let's talk about what not to do when you are applying for a loan.  DON'T QUIT YOUR JOB DON'T CHANGE FROM SA...