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Recent Articles

Renters Get Respect!

Traditionally the only Rental history that gets reported to the credit bureaus is negative! If you fail to make your payment to your landlord…look for a collection account or even a judgment to show up on your credit profile and potentially drop your credit score like a rock! […]

How to Build Credit Or Fix Credit Issues

Albert Einstein once said, “Nothing happens until something moves.” Well if you are looking to buy a home, lease a car, apply for credit cards or even look for a job…nothing happens until your credit score moves and moves up!

If you are have had credit issues in the past….simply ignoring what happened does not […]

FHA Loans May Become A Lot More Costly Soon

So…you are looking to buy a home in 2013 and are considering using a FHA mortgage for financing…don’t delay, because that FHA mortgage could end up costing more very soon. HR 4264 or The Fiscal Solvency Act of 2012 is a bill that has overwhelmingly passed the House and is on its way to the Senate. This bill among other things grants FHA the power to raise its mortgage insurance premiums to as high as 2.05% annually — nearly twice the 1.20% rate most FHA-Insured homeowners currently pay today. […]

Government funds of up to $25,000 available to assist first-time home buyers

If you are considering buying your first home you may very well be asking yourself if now is the time, have prices bottomed out and trying to weigh the risks of buying a home versus the rewards. Well, if this is the case, allow me to give you some things to put on the “rewards” side of the equation…. For starters, with mortgage rates at historic lows, your monthly mortgage payment in most cases should be much lower than what you are currently paying in rent! Remember this…”Your Landlord says Hi…& Thanks You for Paying His Mortgage.” Also, we have seen flexibility from sellers on negotiations and most are helping in paying for the buyers closings costs…so that just leaves the down-payment! […]

Historic low mortgage interest rates, Refinancing Options & New HUD program

Interest rates have been strong all year, last week however, we saw mortgage backed securities rally each day and with the release of unemployment figures on Friday we are now officially sitting at historic lows! If you have not taken advantage of these rates…what are you waiting for? Maybe you have been told that you don’t have enough equity in your home due to the housing market trending down over the past few years? […]

Is the New Home Affordable Refinance Program Hype or Help?

There are approximately 11-Million homeowners that are underwater, which represents about 23% of all outstanding mortgages. So, here comes another program to help the America Homeowner! Is it hype…or will it help?

Well, the new HARP program (Home Affordable Refinance Program) was released in