Credit Repair and Credit Debt Consolidation are a similar service
Credit repair is the process of working with the reporting agencies and creditors to improve the credit report as a way of increasing the FICO score. Credit repair is significant to consumers interested in receiving the benefits of better credit, competitive interest rates and lower payments. The Fair Credit Reporting Act (FCRA) establishes the right to contact credit bureaus to dispute items on the credit report. One may dispute entries that are incorrect, incomplete or unable to be verified. If the bureau cannot prove [...]
This past Spring 2014, I had heard some people say that they were waiting for rates to come back down into the 3's and that they could not find anything worth buying. Have I got some news for you for this Summer!
Well there is much more inventory to look at nowadays:
Rates are rising and home prices have leveled out with regular appreciation:
The cost of waiting for rates or home prices to go down (they're going up actually):
The rates we have today are really good compared to our parents:
WHEN BUYING A HOME:YOU NEED A REAL ESTATE PROFESSIONAL
Many people wonder whether they should hire a real estate professional to assist them in buying their dream home or if they should first try to go it on their own. In today's market: you need an experienced professional!
You Need an Expert Guide if you are Traveling a Dangerous Path
The field of real estate is loaded with land mines. You need a true expert to guide you through the dangerous pitfalls that currently exist. Finding a home that is priced appropriately and ready for you to move in to can be tricky. [...]
True Secret to Success (It's Not What You Think)
BY GEOFFREY JAMES
If you're not exercising this emotional muscle, you're probably setting yourself up for failure. I'm utterly convinced that the key to lifelong success is the regular exercise of a single emotional muscle:
Below is a comparison to show a new homeowner how skipping just a single cup of coffee or a can of soda a day can make a huge difference in their financial futures – allowing them to pay off their home mortgage up to 8 years early, saving thousands in interest charges. All of that saved interest can be used to fund college educations, retirement, or help you move up to that home of your dreams.
Save that money now, and use it when you really need it. Take a look by clicking on the image below. (And [...]
The Cost of Waiting In 2014
Based on prices, mortgage rates and soaring rents, there may have never been a better time in real estate history to purchase a home than right now. Here are five major reasons purchasers should consider buying:
1. Supply is Shrinking
With inventory declining in many regions, finding a home of your dreams may become more difficult going forward. There are buyers in more and more markets surprised that there is no longer a large assortment of houses to choose from. The best homes in the best locations sell
first. Don't miss the opportunity to get that ‘once-in-a-lifetime' buy.
Here are some things to avoid during the home buying process to assure your transaction goes smoothly:
-Don't Make an Expensive Purchase
It's best to avoid making major purchases like furniture, cars, appliances, electronic equipment, jewelry, or vacations until after the closing. Financing furniture with a credit card could jeopardize your credit worthiness during the time it means the most. Using cash to purchase big items can also create a problem because many banks take into consideration your cash reserve when approving your mortgage.
-Don't Get a New Job
Lenders like to see a consistent job history. Generally, changing jobs will not affect your [...]
Challenge: It's not just a word
My journey started with my brother. Over the past 20 years my brother has gotten to over 300 pounds. After many hours of discussions and motivational pep talks, my brother decided not only to join Lifetime, but also to commit to the Weight Loss Challenge. I wanted to be an example for my big brother. I believed in my heart I could transform as well. I had to make the decision to compete, the challenge with that was, I am 49 years old and I had never been an athlete, much less competed in anything [...]
We've all been there. In grade school, the kids put on their annual Christmas pageant each year. Each parent sits and listens proudly as his/her kid belts out Jingle Bells, frequently out of sync/tune with the rest of the class, and records every moment of it.
My father still holds a cassette of my brothers and me singing Jingle Bells for my grandmother when we were that young and I cringe each time I hear it, although my grandmother cherished it.