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Credit Reports and Credit Scores
November 24, 2004 What Is a Credit Report? A credit report is a report from a credit bureau containing detailed information bearing on credit-worthiness, including the individual's credit history. A typical credit report includes the following: Personal information. ... more...

Shopping For a Mortgage On-Line
September 19, 2005, Revised December 5, 2005, Revised January 12, 2005 This article is on the why, which, and how of shopping for a mortgage on-line: why seek a mortgage this way, which sites are the best, and how do you shop effectively?  Why Shop For a ... more...

mortgage resources foreclosure social security number bankruptcy related definitions

Mortgage Baked Securities, MBS
Mortgage Baked Securities, MBS Mortgage-backed securities (MBS) are bond or other financial obligation secured by a pool of mortgage loans. Mortgage loans are purchased from banks, mortgage companies, and other originators and then assembled into pools by purchasing entity. ... more...

Mortgage Note
Mortgage Note A written negotiable promise (agreement) to pay a sum of money plus interest at a set interest rate. The note is secured by a mortgage. In turn, mortgage is secured by property. Mortgage note states the amount of debt and the rate of interest, and makes the ... more...

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Tips for Avoiding Foreclosure
Foreclosure can be a devastating change in your life. If you miss your mortgage payments, you could be in danger of foreclosure: you'll have to move out of the home you have worked so hard to own.Here are some ways that you can avoid foreclosure.* Set up your mortgage payment on direct deposit from ... more...

Sole-Proprietors, Protect Yourself from Identity Theft by Obtaining an EIN
Obtaining an EIN or employer identification number is a good idea if you are a sole-proprietor.From time to time, you'll be asked to provide your social security number or employer ID to clients or governmental agencies. Once you do that you have no control over which client employees and others ... more...

Chapter 13 Bankruptcy - What Does that Entail?
Chapter 13 Bankruptcy is a reorganization bankruptcy. It means that the people who decide to file for this type of bankruptcy want to clear their debts over a period of three to five year.Chapter 13 Bankruptcy appeals to those who have non-exempt property that they want to keep hold of and those ... more...

Alternatives to Filing Bankruptcy
Deciding to file for bankruptcy is a decision that should not be taken lightly. Too many people opt for this decision before finding out what other alternatives are available to them. Filing for Bankruptcy should be your last resort if possible. We have listed some alternatives for you to consider ... more...

Flipping Houses: Flipping Homes for Quick Cash
First, right off the bat, off lets tackle the Is flipping houses illegal? question. Flipping homes or flipping anything for that matter, real estate or otherwise, is perfectly legal. The term has recently been used in the mainstream media to describe what is essentially mortgage fraud. In a ... more...

Life Insurance Leads, Insurance Leads, and the Online Lead Generation Business
I've long wanted to write an article about Internet Leads (Life Insurance Leads, Health Insurance Leads, Homeowners Insurance Leads, etc) and why they are a waste of money, time, and a drain on the Insurance Industry. Thank you ezinearticles for this powerful resource in communication!Insurance ... more...

Fractional Ownership Vacation Homes - A Smart Investment
Fractional Ownership is something that has been around for years but has just now hit the investment real estate market ( i.e. vacation homes, townhouses, condos, etc). For years business men and women have been using the fractional ownership technique to purchase everything from private jets to ... more...

Lawyers Are not Always a Solution for Credit Repair and Credit Building
Lawyers often charge high fees to help individuals get out of debt. Credit repair clinics are available to assist individuals with debt relief, but only the absolute desperate would even consider these types of solutions.So, if this is not the solution for repairing credit, then what is? Many ... more...

Effectively Monitor The Progress of Your Email Communications!
The rise of Internet accessibility to the masses has revolutionized the way people work, play and communicate. Email communication has become the most popular means of information exchange in business and personal use. Personal computers, notebook, hand held devices and cellular telephones all ... more...

Searching For Maui Beachfront Houses?
Who wouldnt want to move into a Maui beachfront house? From the custom architectural jobs done on many Maui homes, to the beautiful beaches and other natural attractions in Maui, youre bound to find something you will love about Maui beachfront houses. However, like any home buying process, youll ... more...

Personal Finance - Have Consumers Had a Belly Full of Personal Debt?
For months, we were trigger-swipe happy, putting our groceries, clothes, holidays and service charges on our credit cards. We wanted mortgages, we took out loans, we watched Property Ladder and What Not To Wear. Whether you were born middle class, had middle class aspirations, you became middle ... more...

What Is a FICO Score and How Do I Make It Work for Me?
Whether or not you receive a loan and what interest rate you get on your credit card may be determined by something called a FICO score. Named for Fair, Isaac & Co., a California-based company that developed the credit score, the FICO score is the most widely used scoring method to determine credit ... more...


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