How to Negotiate Debt Settlement
People over extend themselves financially as a result of a change in their lifestyle. In todays economy were company mergers, and such; creates a displacement and hardship to the major of the workforce. This event leaves good people without a decent source of income to sustain their lifestyle and ... more...

Beware of Mortgage Refinancing Traps
The mortgage lending business is highly competitive. And that, my dear reader, is an understatement. It is like saying that the Pacific Ocean has many gallons of water in it. Even Donald Trump this week decided to enter the mortgage arena with the hyped up launch of Trump Mortgage from Las Vegas ... more...

Bad Credit Home Loans - Pre-Approval is Still Possible With Adverse Credit History
If you are among the millions with less than perfect credit, there are many sources available to you in obtaining a mortgage. Lenders that specialize in mortgages for those with bad credit are competing for your business. The lender will analyze your credit report, credit score, debt-to-income ... more...

The Three Factors of Credit-Worthiness
Between the Internet, well-meaning family and friends, and know-it-all articles in the print media, it's hard to know where the facts end and the nonsense begins. Facts are everywhere, but so are urban legends, hidden agendas, and opinions posing as truth. Fact or fallacy - it can be devilishly ... more...

Interest Only Mortgage A Short Term Fix
Interest only mortgages can be a savvy fix to a short term mortgage need. When used properly interest only mortgages can save homeowners a lot of money. Here is how to use an interest only mortgage and stay out of financial hot water.Interest only mortgages have always been a risky proposition. ... more...

Prepaying Your Mortgage? Read This Before You Do!
Many people have a little extra money left at the end of the month or get bonuses in their work. It sometimes crosses a home owners mind that hey, I could pay my mortgage loan off faster if I put this extra money towards the loan.This is absolutely true! If you have extra money, why not work to pay ... more...

Understand Mortgage Lender Responsibilities Before Your Application is Accepted
The mortgage process can be a very involved event. Future home owners often spend days, sometime months shopping lenders, looking at homes, saving for a down payment and deciding exactly how much money he or she can afford on a monthly mortgage payment.Finding and purchasing a home is more than ... more...

Streamline Your Mortgage Search
When refinancing your home mortgage there are many potential mistakes you can make. Many of the pitfalls can be avoided with common sense; however, the stresses of mortgage finance are not always black and white. The best way to avoid mistakes is not to rush; if you move too quickly it is easy to ... more...

Recent Bankruptcy? It's Not Impossible to Obtain a Home Loan
Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws. The vast majority are simply overextended and cannot possibly repay the obligations they have open.However, for many filers, the opportunity of ... more...