From the category archives:

Refinancing

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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What’s Ahead For Mortgage Rates This Week : February 8, 2010

Mortgage markets improved last week on domestic jobs data and international banking concerns. The news triggered buying in the bond market and, as a result, conventional, FHA and VA mortgage rates improved for the 4th consecutive week.

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Improving your Credit Score – Step One

Know what you are working with! Image via Wikipedia If you haven’t seen your credit report in a while, get a copy now.  There is only one place for a truly ‘Free’ report – but it comes with a catch – www.AnnualCreditReport.com will give you a copy, but the catch is you have to pay [...]

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Understand how your credit score is determined

1.       Do you pay your bills on time? The answer to this question is very important. If you have paid bills late, have had an account referred to a collection agency, or have ever declared bankruptcy, this history will show up in your credit report. 2.       What is your outstanding debt? If the amount you [...]

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What to do about PMI

So, you have a mortgage with PMI, or Private Mortgage Insurance.  How can you get rid of it?  There are a few ways, and you find, you are actually better off paying PMI than the alternatives. In general, if you have a mortgage loan with PMI, you have to pay it until you get to [...]

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