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Changes are coming to mortgages to make them safer yet harder to get.



Starting in January new rules are coming into play for mortgages. Many large banks have already cut down on the number of mortgages they do because they can no longer make a quick buck on a mortgage. Now, the smaller banks who have stepped in and are making more loans ...

If you lost your home, should you own again?



The last few years have been hard on a lot of families. Many families have lost a home or fallen behind on payments. For the families that have lost a home, there are usually more questions than answers after losing a home. How bad is my credit? Will I ever ...

Does housing counseling really work?



The housing market has changed drastically over the last few years. There is no stone that has been left unturned. Rules changes have gone in affect for mortgages, credit, appraisals, and even how a property is repaired. One of the biggest changes I have seen is the implementation of counseling ...

Before you sign a lease…Ask questions!



I am often surprised that when I meet a family signing a lease they rarely review the entire lease even though the lease states what they will and won't be responsible for when renting a property. I thought I would put together a short list of things to look for ...

Do credit repair programs really work?



To many in the real estate industry, credit is the most important thing that you can have. For most people you can’t buy a house without credit. You pay higher interest rates with poor credit. You also pay more for other things like insurance and financing appliances with bad credit. ...

Repairing credit and how to maintain it!…Part 1 of 3



Whether you are looking to buy a house or you already own a house and would like to upgrade, more than likely you will need to use your credit. Credit in our society is one of the basic building blocks to financial strength and independence. I am often surprised when ...

Why can’t we have 50-year mortgages?



I got a question this week from a woman who asked, “Why can’t banks give people 50 year mortgages?” Her logic is that the payment would be lower because it is spread over 50 years compared to 15 or 30 years. In addition, most people don’t pay off their mortgage ...

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