How You Refinance Matters » Your Credit

Your Mortgage & Your Credit

Robert Regehr — Wed, 10 Aug 2005 23:46:57 +0000

Improving your credit score can make the all the difference when it comes to refinancing your mortgage...here's how to do it FAST.

Your Mortgage & Your Credit is a post from Robert Regehr's Mortgage Refinancing Blog.

Beware Free Credit Report Dot Scam

Robert Regehr — Wed, 29 Jul 2009 02:26:02 +0000

It's important to check your credit reports before refinancing...just watch out for free credit report dot scams.

Beware Free Credit Report Dot Scam is a post from Robert Regehr's Mortgage Refinancing Blog.

Can Bankruptcy Stop Foreclosure?

Robert Regehr — Tue, 04 Sep 2007 21:42:45 +0000

The “credit crisis” along with the predatory lending practices of companies like Countrywide Home Loans has left a record number of homeowners facing foreclosure in the United States. This is the first article in a series I am writing about avoiding foreclosure; if you’re a homeowner in trouble with your mortgage or have already received [...]

Can Bankruptcy Stop Foreclosure? is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinance Your Mortgage With Bad Credit

Robert Regehr — Fri, 27 Jul 2007 17:50:20 +0000

Refinancing your mortgage with less than decent credit is easier than you think. Competition for your mortgage is fierce and despite the meltdown of the sub-prime mortgage industry opportunities still exist for homeowners with poor credit ratings. Here are several tips to help you qualify when refinancing your mortgage with bad credit. Having bad credit [...]

Refinance Your Mortgage With Bad Credit is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinance and Your FICO Credit Score

Robert Regehr — Thu, 03 May 2007 00:05:41 +0000

Before applying to refinance your home mortgage loan it is important to take stock of your credit reports and check for any inaccuracies. Your credit score is derived from your credit reports and any inaccurate or negative information will have a significant impact on your FICO score and the mortgage rate you will qualify. Here [...]

Mortgage Refinance and Your FICO Credit Score is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing Terminology You Need to Know

Robert Regehr — Thu, 29 Mar 2007 18:02:36 +0000

I. Loan to Value Ratio (LTV) Your loan to value ratio is determined by dividing the amount of the mortgage you are requesting by the appraised value of your home. Suppose you are borrowing 100,000 to refinance your home appraised at $175,000; your loan to value ratio (LTV) in this case ($100,000 / $175,000 x [...]

Mortgage Refinancing Terminology You Need to Know is a post from Robert Regehr's Mortgage Refinancing Blog.

What Are Credit Scores?

Robert Regehr — Sat, 10 Feb 2007 20:22:50 +0000

Your credit scores are numbers derived from your history of consumer credit. Mortgage lenders use your credit score to determine how likely you are to default on your mortgage loan. Homeowners with high credit scores get better mortgage interest rates than those with low credit scores. Credit scoring has been around for years; however, computer [...]

What Are Credit Scores? is a post from Robert Regehr's Mortgage Refinancing Blog.

Bankruptcy Will Not Keep You from Getting a Mortgage Loan

Robert Regehr — Sat, 27 Jan 2007 22:29:59 +0000

A common myth after bankruptcy is that you have to wait seven years before becoming eligible for a mortgage loan. This common misunderstanding prevents many homeowners that would otherwise qualify for a mortgage from applying because of their credit. Here are several tips to help you qualify for a mortgage and avoid overpaying after bankruptcy. [...]

Bankruptcy Will Not Keep You from Getting a Mortgage Loan is a post from Robert Regehr's Mortgage Refinancing Blog.

Credit Secrets Bible

Robert Regehr — Fri, 19 Jan 2007 17:09:42 +0000

Are you happy with the contents of in your credit report? If not, there are steps you can take to remove any blemishes that might be lurking there before refinancing your mortgage loan. As you’re learning from our video about your credit, the contents of your credit records are used to generate your credit score. [...]

Credit Secrets Bible is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Interest Rates: Qualify for a Better Rate

Robert Regehr — Tue, 11 Jul 2006 01:04:15 +0000

If your credit score is not where you would like it to be there are steps you can take to improve it. Improving your credit score will improve the interest rate you qualify for when refinancing your mortgage or taking out a home equity loan. You should work on improving your credit score at least [...]

Mortgage Interest Rates: Qualify for a Better Rate is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Loans and FICO Credit Scores

Robert Regehr — Fri, 07 Jul 2006 23:59:24 +0000

Mortgage lenders use your credit score to determine how much of a risk you are for lending. Your credit score is calculated by the Fair Isaac Corporation, also called FICO, and is based on the contents of your credit reports. Your FICO score is based on a numeric scale; if your score is less than [...]

Mortgage Loans and FICO Credit Scores is a post from Robert Regehr's Mortgage Refinancing Blog.

Mortgage Refinancing and Your Credit

Robert Regehr — Wed, 10 May 2006 00:27:07 +0000

Cleaning up your credit is an important part of qualifying for the best mortgage loan. If you are in the process of refinancing your mortgage and have not tuned-up your credit first, you are making a big mistake. Here is what you need to know to fine tune your credit rating. Before you do anything [...]

Mortgage Refinancing and Your Credit is a post from Robert Regehr's Mortgage Refinancing Blog.

Your Mortgage and Your Poor Credit Rating

Robert Regehr — Tue, 21 Mar 2006 05:16:39 +0000

Bad credit is become an epidemic in America. More and more people carry high balances on their credit cards, make late payments, or even default on their loans. As a result, individual credit ratings in the United States have dropped dramatically. The problem for many homeowners is once you have bad credit it can be [...]

Your Mortgage and Your Poor Credit Rating is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinance Your Mortgage with a Bankruptcy

Robert Regehr — Sat, 19 Nov 2005 04:20:41 +0000

Refinancing your mortgage with a bankruptcy on your record is not an impossible task. Since your home is used as collateral on a mortgage loan, lenders are more prone to work with people that have poor credit or recent bankruptcies. Refinancing your mortgage loan can even help improve your credit score. The best way to [...]

Refinance Your Mortgage with a Bankruptcy is a post from Robert Regehr's Mortgage Refinancing Blog.

Chapter 7 Bankruptcy and your Mortgage

Robert Regehr — Thu, 27 Oct 2005 05:03:35 +0000

If you are considering filing Chapter 7 bankruptcy and are unsure how your home and mortgage will be affected there are several things you should know. When you file for bankruptcy you need to know that all of the property you own at the time of your filing and in some cases property you will [...]

Chapter 7 Bankruptcy and your Mortgage is a post from Robert Regehr's Mortgage Refinancing Blog.

Refinance a Mortgage with Poor Credit?

Robert Regehr — Fri, 12 Aug 2005 20:16:49 +0000

Gone are the days when if you had a credit score less than 600 you could not even dream of getting a mortgage...today times have changed and for the better.

Refinance a Mortgage with Poor Credit? is a post from Robert Regehr's Mortgage Refinancing Blog.