Still time in 2009
Welcome to November …This year has just flown by. Remember back in January you said 2009 is the year I am going to pay off debt, or perhaps buy that new home. Well there is still time…..Let’s talk about the paying off debt. With rates low it’s a good time to think about using the equity in your home to pay off your debts. With high credit card interest, or if your car payment seems like a big burden then you may want to think about a debt consolidation refinance. When considering whether or not to

Are you HAUNTED by the fear of a low credit score???
As we approach the end of the month. It’s the Time when Goblins, Witches, and Ghosts make themselves known.  I thought I would talk about the worst Ghost of them all…That’s right your credit scores and credit report. This defiantly not Casper the friendly Ghost, and can Haunt you for years and years….. It’s hard not to pay attention to the news these days, with headlines and news anchors inundating us with

More than leaves are falling…
  Its fall..the air is brisk…the hot weather is gone, the leaves are changing and falling…..But leaves aren’t the only thing falling. Are mortgage rates going up? Are mortgage rates going down? A recent The Bankrate.com survey  for conforming mortgages only Here’s the group’s 30-day prediction for mortgage rates: 38% predict mortgage rates will increase 24% predict mortgage rates will decrease 38%

Act fast! Homebuyer tax credit ends soon…
Use any metaphor you want: the ticking clock, sands running through the hourglass or pages falling away from the calendar. The fact is, time is running out to claim the $8,000 first-time homebuyers tax credit. Passed earlier this year as part of the economic stimulus package, the credit is good for up to $8,000, or 10% of the purchase price, and applies to people who have not owned a home in the previous three years. (There are some income restrictions.) The best part: Unlike a simila

Home Refinance – Answers to Questions About Refinancing Your Home
Mortgage refinancing activity has surged in recent days as homebuyers rush to take advantage of suddenly plummeting loan rates.To help homeowners make the right refinancing choices..I have decided to break down a few questions I answer on a daily basis… 1. Does my new rate have to be at least 2 points lower?  No. You don’t have to wait until mortgage interest rates drop by 2 percent bef