Step-by-Step Guide to Freezing your Credit Reports

With Equifax’s announcement of its catastrophic security breach, now would be a really good time to consider freezing your credit, if you haven’t already. Credit freezes are one of the most effective ways for consumers to protect themselves against identity theft — and this goes for anyone at any time — regardless of whether you […]

There’s More to a Bubble Than Rising Home Prices

What truly causes a housing bubble and the inevitable crash? For the best explanation, let’s go to a person who correctly called the last housing bubble – a year before it happened. “A bubble requires both overvaluation based on fundamentals and speculation. It is natural to focus on an asset’s fundamental value, but the real key […]

Why Is There So Much Paperwork to Sign to Get a Mortgage?

We are often asked why there is so much paperwork mandated by the bank for a mortgage loan application when buying a home today. It seems that the bank needs to know everything about us and requires three separate sources to validate each and every entry on the application form. Many buyers are being told by friends and […]

Thinking About Buying? Know Your Credit Score

Knowing your credit score or getting a recent copy of your credit report is one of the first steps that you can take toward knowing how ready you are to start the home buying process. Make sure all the information listed on your report is accurate and work to correct any mistakes. The higher your […]

How Long Will The Negatives Haunt Me?

Everyone’s human; we’ve all made mistakes over time. Some errors may cost more than others. For example, if you switch a letter around in an email address, your email will not be delivered with little to no impact on you.  However, some errors, like a speeding ticket on your record, can cost you more than […]

Owning a Home Makes Sense

  The American Dream of homeownership is alive and well. Recent reports show that the US homeownership rate has rebounded from recent lows and is headed in the right direction. The personal reasons to own differ for each buyer, but there are many basic similarities. Today we want to talk about the top 5 financial reasons you should own […]

Why Is There So Much Paperwork to Sign to Get a Mortgage?

We are often asked why there is so much paperwork mandated by the lenders for a mortgage loan application when buying a home today. It seems that the lender needs to know everything about the borrower and requires separate sources to validate each and every entry on the application form. Many buyers are being told by friends and family that the […]

No… You Do Not Need 20% Down to Buy

The Aspiring Home Buyers Profile from the National Association of Realtors (NAR) found that the American public is still somewhat confused about what is required to qualify for a home mortgage loan in today’s housing market. The results of the survey show that non-homeowners cite the main reason for not currently owning a home, as not being able to […]

How to Get a Judgment off Your Credit Report

Here is some great information from one of my Strategic Partners in the Credit Repair Industry.  This article has been reprinted with permission. Sal Bonanno | Regional Account Manager | Prime National, Inc. Main: 855.278.3578  |  Direct: 646.283.2783 It happens to the best of us, you let an old debt get too far. No longer merely a collection, […]

Equifax Data Breach- How Does it Affect You?

Consumers today are still reacting from the massive data breach announced by Equifax in September that affected over 143 million Americans. Many turned to freezing their credit from the major bureaus after the news hit to protect themselves. When one freezes their credit, it’ll block anyone, including yourself, from making new credit and accounts in […]

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