The key to obtaining the best interest rate against your housing loan is to have a healthy credit score. The credit score information is collected and processed by the three credit rating agencies in the United States. It is in your best interest to have a healthy and respectable credit history which is reflected in [...]

If you have less than a less than optimal credit score and you want to finance a home, then there are a few things you can do to better your odds of getting financing for a home. The first thing that you need to do is to get a copy of your credit report from [...]

In contrast to what you might believe, you don’t deal with your credit in emptiness. Your credit performance is tracked by credit bureaus like Equifax Canada and TransUnion of Canada. Depending on this detail, you are allotted a credit score. It’s significant for you to keep as high a score as achievable. Lenders have access [...]

My parents bought their home 4 years ago at a 4% rate, which is due to change next year when their loan rate. With the market crunch and the new strict lending that’s bound to occur as a result of this, they are worried about what refinancing has in store for them. The [...]

Simple question. I want to buy a house in January in California and I see that the rate today is 6.103% for a 30 year fixed mortgage. What FICO score correlates to those rates? My wife and I each had FICO scores of 719 and 721 six months ago. We have [...]

I have 5+ yrs of credit card debt and also had a repo about 2 1/2 yrs ago. I am able to start getting my bills paid. Will credit consolidaton help or should I contact my creditors and set up payment arrangements. I have a least 5 credit cards, hospital bills, and a [...]

My wife and I are buying a house in Rochester New York. But, I don’t have a job there yet. I am still working and living in North Carolina. I plot on moving there when I get a job, which should be soon. But, we have to buy the house now. [...]

If I could keep my mortgage payment the same or alittle less, yet refinance enough to pay off a large credit card debt. I can’t afford the make the cc payments much longer, is that wise?

My Husband and I are stil unsure of renting or buying right now…Its kind of complicated since he just got out of the military and we just went back to MA across the country and are currently staying with my family. We always used one car because e lived on a small military base…now we [...]

I am a solvent, stable, well-employed, credit-worthy individual. I bought a house 7 years ago which has more than doubled in value due to the market I’m in and of course, location-location-location. I have about k of debt (credit cards, automobile). To further increase the value of my home, I want to [...]