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Buying and Selling in a Shaky Market

Posted by: brad miller in Recession, Real Estate Investment, Real Estate Agents, Mortgage, Market Prediction, Market Bubble, Investment, Credit Report on Jul 08, 2008

In a world where mortgage rates fluctuate from hour to hour, the economy is completely tanking and the average American is about as likely to be able to afford a loan as to be hit by a meteor. Homeowners and home seekers can breathe a sigh of relief, for despite our great nation's financial downturn, it is possible to buy or sell a home.

Shaky Market Over the past five weeks, mortgage rates have dropped

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My Credit and Credit Report is Ruined!

Posted by: brad miller in Refinance, Credit Report on Jun 25, 2008

Not only can your credit history be found in your report, but it also contains personal information that should remain confidential, like your SSN, full name, current address and tenure, and past addresses.

Credit History A credit report's main purpose is to list all of the financial activity for any one person, encompassing all or most of their lives. Any financial relationships, be it a credit card,

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Bail Me Out of the Mortgage Mess !

Posted by: brad miller in Sub Prime Lending, Refinance, Recession, Private Lender, Mortgage, Loan To Value, Financing, Economy, Credit Report, Credit Cards, ARMs on Jun 13, 2008

Time is of the essence for those of you that have adjustable-rate mortgages (ARM)! The housing has taken a big hit in the aftermath of the mortgage crisis, for both home sellers and buyers. Lenders are being much more astringent in their lending practices, and some are even going out of business. All of this leads to a tight credit market.

For those that negotiated an ARM, the mortgage knife

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The Ups and Downs of Mortgage Rates

Posted by: brad miller in Mortage, Loan To Value on Jun 13, 2008

Most people have heard of the Eight Wonders of the World: The Taj Mahal, Chichen Itza, Petra. All of these, besides being famous historical and archeological sites, were once prime real estate. What is also a wonder, in modern times, is the fluctuation of mortgage rates. Much like the history detectives that excavate and analyze, I will attempt to shed light on the long-held mysteries of

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Is There a Zero-Down Mortgage Suitable for You?

Posted by: brad miller in Refinance, Mortage on Jun 04, 2008

To answer this buzz question, there are possibilities for you to consider. As with any financial choice, you want to weigh the positive and negative aspects of each option and choose based upon your financial goals and credit worthiness, and each of the plans is listed below with its upsides and downsides. They appear in random order, not as a ranking

Zero Down First, there is the 100% One Loan,

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Important Considerations for Refinancing

Posted by: brad miller in Refinance on May 30, 2008

Refinancing is a means to save money and takes advantage of the low interest rates. Specifically, this is when you take out a new mortgage, and use the money to close out or pay off a current mortgage. If you refinance with a lower interest rate you'll reduce your monthly mortgage payment even if your new mortgage is for the same amount as your current mortgage. But before you take that big