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Shopping For A Mortgage - The Inside Scoop On How To Do It Right (Part II) Once you are satisfied that you are working with a top-quality professional mortgage advisor, here are the rules and secrets you must know to "shop" effectively for a mortgage.   First, IF IT SEEMS TOO GOOD TO BE TRUE, IT ...
Shopping For A Mortgage - Here's The Inside Scoop On How To Do It Right!   First:  make sure you are working with an experienced, professional loan officer.  The largest financial transaction of your life is far too important to place into the hands of someone who is not capable of advising you p...
Credit Scores: When Good is not Good Enough    In the past, a consumer with a FICO score of 620 was considered to be a low-risk borrower by Fannie Mae and Freddie Mac. Not anymore. After suffering major losses in the mortgage market last year, the nation's two largest mortgage finance lenders ha...
 Inflation and Interest Rates - What's Going On?   If you've seen the news lately, you know concerns about inflation are increasing. But what does it really mean to you?The fact is, inflation is a very serious issue, and it will likely be on the rise as 2009 proceeds...and along with it, home lo...
  Have you ever had your day end and wonder where it went? Have you ever been frustrated by how reactive you have been to "emergency" situations that significantly reduced your productivity?Many of us have experienced this to an excessive degree in our business practices. One of the greatest way...
The Elements of a Credit Score 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 costs and vice versa, it's vital to understand t...
  Recent Federal legislation can impact your closing date. When completing your Purchase Agreement, even if you are prepared to move forward and close quickly, a more conservative timeframe of at least 30-45 days from the time of the contract acceptance would be a more realistic expectation at t...
Are You Withholding Enough for This Year's Taxes?The Answer May Surprise You! Based on the "Making Work Pay" tax credit, employers now use new withholding tables to lower the amount of tax that is withheld from eligible workers' paychecks. That means, you're probably receiving more money in each...
It's no secret that many facets of lending and real estate have changed as a result of the credit crisis. In addition to tightened lending practices that resulted from rising mortgage delinquencies, Washington has been heavily involved in altering the way lenders do business today. Two individua...
It's not just banks and lenders that rely on credit scores to help make important credit decisions. Landlords, employers, insurance companies, and even cell phone and other utility companies all reportedly utilize credit scores to help determine their business and credit relationships with consu...

Karl Peidl

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