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ARCHIVED BLOG POSTS

2009 

Mortgage Rate UpdateHigh Credit Score = Low Mortgage Rate Credit scoring was developed in the 1960s as a means to determine whether or not consumers were likely to repay their loans. The score ranges from 350 to 850 with a higher score being extremely favorable. Essentially, a high credit score ...
12/31/2009
Choosing the Right Real Estate Agent Choosing the right person to represent you in negotiating your home purchase is a major decision. Whenever you see the designation of REALTOR® (with a registered trademark) you can rest assured that person is a member of the NATIONAL ASSOCIATION OF REALTORS® ...
12/30/2009
  Shopping for the Right Mortgage Finding a mortgage that's right for you should be easy. But there are often many different programs to choose from, as well as a myriad of ways to structure the loan in terms of the amount, term, payment, rate, closing costs...the list of options may seem endles...
12/28/2009
Mortgage Rate UpdateKnow Your Credit Score In the past, it wasn't out of the question to obtain a mortgage with a FICO score in the low 500 range. In fact, if you were willing to accept the payment, you could even do so with little money down.Today, however, if you have a low FICO score, you may...
12/24/2009
  What Are Points and When Should You Pay Them?   Points are up-front fees paid by the borrower to obtain a better interest rate on a loan. One point equals one percent of the loan amount. And while a lower interest rate may result in a lower monthly payment, it is important to consider how long...
12/23/2009
The Mortgage Market AdvisoryTMThe Week of December 21, 2009 Provided by Karl Peidl             Last week mortgage pricing held steady under 5% for a 30-year Conforming Fixed Rate after jumping mid-week prior to the FOMC Statement that was the most upbeat review of conditions in well over a year....
12/21/2009
ARM Indexes: A 10-Year Comparison   Karl PeidlAccredited Loan ConsultantPleasant Valley Home Mortgage Corp.Phone: 856-252-1224Cell: 609-254-6687kpeidl@pvhmconline.comwww.karlpeidl.com New Jersey: Licensed by the N. J. Department of Banking and Insurance Delaware: Licensed Lender by the Delaware ...
12/18/2009
Mortgage Rate Update Homebuyer Opportunities Nearing End For prospective homebuyers who are on the fence about making a home purchase, the next few months represent a countdown of sorts for two reasons.First, huge tax incentives are about to expire. April 30, 2010 is the last day to enter into a...
12/17/2009
  Interest RatesWhen is the Best Time to Lock? When it comes to mortgage loans and interest rates, it's never a good idea to gamble. That's why I typically advise my clients to lock in an interest rate at the earliest opportunity. This is just one step of the standardized system we have put in p...
12/16/2009
The Mortgage Market AdvisoryTMThe Week of December 14, 2009 Provided by Karl Peidl             Mortgage pricing moved slightly higher last week by about 20 bps, but had at one point moved up 100 bps mid-week after fairly weak Treasury auctions and much stronger than expected Retail sales and Con...
12/14/2009
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Karl Peidl

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