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Nov 16, 2019 An easy way to calculate your home-buying powerPublished 16 November 2019 LAS CRUCES – Determining how much home you can buy before hopping into the car and embarking on loan and house shopping sprees is a very good idea. In addition to uncovering the extent of your buying power, you’ll learn enough about the qualifying process to successfully negotiate with lenders for
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Jul 07, 2019 Credit scores are important — and valuable
Published 7 July 2019 According to a recent report from the consumer credit reporting company Experian, the average U.S. FICO score is 704. FICO is an acronym for Fair Isaac Corporation, the folks who created the FICO score. The highlight of the report, however, was that a difference of just a few points can make
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Published 2 December 2018 In a joint survey of just over 1,000 adults that was released last May by the Consumer Federation of America and VantageScore Solutions, LLC, it was found that “…only 42 percent know that a credit score measures the risk of not repaying a loan rather than factors such as knowledge of,
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Sep 27, 2018 Credit freezes are now free
Published 27 September 2018 Earlier this year I wrote about the importance of freezing your credit and the benefits and protections the freeze provides. Since that time, on Sept. 21 to be exact, a new law went into effect prohibiting credit reporting agencies from charging a fee for the service. Congress’ action was taken in
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May 31, 2018 Now’s the time to freeze your credit files
Published 31 May 2018 Credit and home buying go together like peanut butter and chocolate. Of late, hackers and identity thieves have left a bad taste in the mouths of many prospective home buyers. A perfect example is last year’s hacking of consumer data from credit files maintained by Equifax, one of our nation’s three
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May 24, 2018 Are no closing-cost mortgages too good to be true?
Published 24 May 2018 The answer to the question posed in the headline is a resounding “yes”; no closing-cost mortgages are indeed too good to be true. The truth is that all mortgages have closing costs. The no closing-cost moniker is simply mortgage-speak for employing alternative methods of having the customer pay them. The bottom
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