From the category archives:

Mortgages

Will your ARM adjust this year? Don’t Worry…Be Happy

If your mortgage is set to adjust this year, the smart move may be to let it. Today’s conforming mortgages are adjusting lower than ever before — as low as 3 percent. It may not be what you expected when you signed for your ARM several years ago.

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Homebuyer Tax Credit Update

You are probably aware that the first time home buyer (FTHB) credit of $8,000 ends soon – contracts must be signed by April 30th and close by June 30th.  A few rules that you may not be aware of: For homes purchased after November 6th, single filers with modified adjusted gross income in excess of [...]

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Don’t be like that guy!

WARNING: This a graphic story of the financial destruction of an otherwise financially successful man. Here’s a secret for you – your credit score will go down every time you do something that people did previously just prior to defaulting on their debts.  The credit scoring model is trying to predict the likelihood of you [...]

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Foreclosures are real news in only 4 states

For as much as the foreclosure filing statistics can be astounding — over 300,000 homes were served last month alone — the prevalence of foreclosures depends on where you live.

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Do this if you don’t have a 740 or Better Credit Score

You need to get your credit score to at least 740 in today’s economy. If your credit score is not a 740 or higher, you will pay more for things like home loans, auto loans, credit cards, insurance. The extra costs of all these things will make it very difficult to have extra money left [...]

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