Category: Credit Tips
Life is full of emotions, but fear can hurt the most. It is strong enough to change a whole community and way of life. And when it comes to money, it’s no different. Fear controls the pocketbook, and too often it gets in the way of financial success. There are three ways fear can grip [...]
Many prospective homeowners find out the hard way the importance of a good credit score when they apply for a home mortgage, especially after the subprime loan crisis. If you are considering buying a home in the near future, it is a good idea to give your credit score a check-up and then take positive [...]
Credit Score Urban Legends Debunked When I get married, do my spouse and I get a joint credit score? If I get a raise at work, will my credit score go up? These are common questions asked every day by many Americans because credit scores are seemingly arbitrary numbersand credit reports are lengthy and unintelligible. [...]
How can a fully approved loan get denied for funding after the borrower has signed loan docs? Simple, the underwriter pulls an updated credit report to verify that there hasn’t been any new activity since original approval was issued, and the new findings kill the loan. This generally won’t happen in a 30 day time-frame, but [...]
Six Simple Tips to Help You Save Pick the brains of the most “financially fit” Americans, then dissect their good habits. That’s the premise of a new study from Florida State University, where researchers identified the common traits of everyday folks with high levels of financial well-being. The results? Surprisingly, some very basic habits, says [...]
Use these ideas to help you save and stay on the right track With the economic hurdles over the past 18 months, it’s easy to see how some people may have lost their financial way. Rather than making drastic changes, sometimes the best route to financial security is setting small, yet achievable goals. Here are [...]
Rounding Up Debt Payments: Does It Really Help? by: Trent Ham May 5, 2009 One technique that I’ve always used to make my personal finance management easier is to round up regular debt repayments to the nearest $10 or $100. I do this for two reasons. First, a round number is much easier to handle [...]
Buying a home is probably the biggest purchase most people will make, yet they go into it blind and most make the six biggest, most common and costly mistakes homebuyers make. With a little guidance from your Mortgage Professional and your Realtor you can avoid these mistakes. Not knowing your credit score. If you’re contemplating a home [...]
A good credit score translates into lower interest rates for home-shopping borrowers. In a mortgage lender’s eyes, the higher your score is, the less risk you are, and the more likely it is you will pay off your debt. For this reason, borrowers with lower scores usually end up paying higher interest rates on their [...]
If you have clients or you yourself are in need of credit remediation, you should seek to align yourself with a credible referral source for credit repair. While government web sites will suggest that self-help may be the best option, keep in mind that for the most part these people lack discipline when it comes [...]
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Palm Springs Homes Are Selling Fast
Properly priced Palm Springs homes are selling fast. The number one question from both Buyers and Sellers is, “How’s The Market in Palm Springs?” My Answer is always the same: “If they’re priced properly, they’re selling fast!” Why Are Properties Selling Fast? A knowledgable REALTOR® can help Sellers understand the complexity of todays market. Homes [...]
Buying a Palm Springs Home in 2012
Are you one of the hundreds of people who will be Buying a Palm Springs Home in 2012? We’re almost at the end of 2011, with 2012 quickly becoming a reality, like every year before it people have started putting their list of New Years Resolutions together. Usually found on that list somewhere is the [...]
I am quite sure that Countrywide was not alone, but they were certainly one of the biggest players. This is the reality behind the real estate crisis and why it continues to roll along with no end in sight! I can tell you story after story of Countrywide reps and reps from other banks encouraging [...]
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