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May 30th, 2007Because of the numerous spam hits we are asking you to comment on real estate undressed.com. THank you
A Good Article On Credit Scores From A Great Site
April 6th, 2007The Genie Says Watch That Score!
This week’s Mortgage Genie, Brandon Nicely, tells us why credit scores really are important …
“There are several actions a person can take to impact their score, but here are a few to keep in mind. If someone has a credit card with a high balance, while their remaining credit cards have low or zero balances, it’s best to distribute the debt across the cards in order to change the ratio of debt to available credit.
A Realtors View On Credit Scores
April 4th, 2007Bonnie Erickson, a great real estate agent and one of the nations top real estate bloggers writes an informative article I propose you read.
Here is a portion: Have you ever wondered how important a credit score is? Credit scores are a big mystery to some people. There are things called tri-merges, credit ratings, adverse credit, no credit, credit bureaus, etc. All the terms and all the reports overwhelm a lot of people. Only when our credit was stolen and we became victim’s of identity theft did I learn to read a credit report.
Click here for the full article.
Bellevue & Issaquah Preferred Loan Officer
April 3rd, 2007
Rob Tamalea - Tamaela Mortgage
Click Here for Rob’s Website
For A Reference on Rob Call Larry K Cragun 206.618.3724 800) 644-HOME (4663)
Referral for an expert credit repair person…YOU
February 21st, 2007If you hire it done, A credit repair company or person will only charge you for what they can’t do, and what you should do, and what you can do, if you will do.
Read a book, say a prayer, make the call yourself. Look at your report, make a plan, call the creditors, make a deal, do it yourself.
Question And Answer On FICO Scores
February 12th, 2007Question: Is it true that my FICO score can’t recover from a negative mark for 7 years?
Answer: No that is not correct. Some items do have an affect for that long but as time moves on since the incident, the lower the impact on your score. An example is a collection. This is a reason that if you are applying for a mortgage, that you should not pay off a collection without the advise of a loan officer. Paying it off will bring the date forward to a current date and can hurt your score. An experienced loan officer will know the timing and ways to deal with this.
Late payments, inquiries, exceeding credit lines, all have less impact as the months move on.
Your score can raise immediately through rapid rescoring. This process has additional costs, so we advize you to use the FICO Dr now to anticipate your problems and save the rapid rescoring fees. Click here to order the FICO DR.
Introducing The FICO Dr. Perfect Diagnosis & Remedies
February 11th, 2007
Through our Mortgage Company, Home Funding Central Inc., dba Homes And Loans
we offer this great new service. It relates to your mortgage score and what exactly you must do to raise it. It shows you exactly what to do, with different scenarios requiring different amounts of cash.
Fill out the simple form, including your phone number and email address and watch the Dr. go to work for you.
Click here to get started. It is easy to order and easy to understand.
I was our first customer and was blown away.
For a 3 bureau analysis by our Dr. it costs 34.95 for a single report and $50.00 for a joint score.
Your report is delivered to us for review with you, but you receive all of the necessary information to raise your Mortgage FICO Score.
Competitive products use a consumer score, not your mortgage score.
It does count as an inquiry.
Leave a comment if you have questions.
Larry Cragun
An Article With Some Good Insight - By Maureen Francis
February 10th, 2007
How to Get A Great Credit Score: Part 1 Click Here for full article:
The credit score – as mysterious as a gypsy palm reading? Kind of, yea. Sometimes I’m surprised that some credit scores are better than it appears they should be and others are worse. Why? I have no idea.
Maureen informs us:
I will give credit where credit is due. The author
is our mortgage dude, Ken Mascia from Oxford
Financial. He's making a semi regular
appearance on the blog doing the finance stuff.
Look for a sizzlin part 2 early next week.
Part two on credit from Maureen Francis
February 7th, 2007click here to get a correct look on what to do and not do after having some problems.
a snippet from the article
Many people that have over used credit, and gotten into payment trouble, make one gigantic mistake – they stop using credit all together. If you have a recent history of late payments to creditors (or a long ago history) the one thing that will improve your credit score is to re-establish that you are willing to repay lenders you owe money to. The only way to do this is to utilize credit and make your payments on time. One year of perfect payments on 2 or more credit lines will go a l o n g way towards improving a bruised credit score.
Written by Ken Mascia
Oxford Financial Corporation
Birmingham, Michigan
248-644-1200
Mill Creek and Mukilteo Loan Officer
February 1st, 2007
Robert Hamm:
Mill Creek and Mukilteo Loan Officer
To contact Robert call 425.745.4997 or his cell: 425.330.1545
Email Robert at: Bob@RSHamm.com
For a reference on Robert from an experienced Real Estate Agent call Steve or Meriam Knoblaugh at 425.750.0534
Robert can serve all of your mortgage needs including helping you with your FICO score. If you order the FICO Dr. service Robert will be able to assist you with any questions.
