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July 7, 2006
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 [...]
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May 9, 2006
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 [...]
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March 21, 2006
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 [...]
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November 18, 2005
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 [...]
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October 27, 2005
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 [...]
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My name is Robert Regehr and I’m a personal finance blogger with a chip on my shoulder for banks and mortgage brokers that take advantage of my friends and neighbors.
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