Archive for the ‘Credit Education’ Category:

Apr 27 2012

Initial Step in Buying a Home – Getting Pre-Approved

By wwhitehurst
The initial step in buying your first home is determining whether or not you are financially qualified to purchase a home, and establish a comfortable price range that won’t bust the bank or cause problems with other demands on your budget. This step is called mortgage pre-approval. You also need to understand a few things about ... [Continue Reading]
Feb 10 2011

8 Reasons To Avoid Foreclosure

By wwhitehurst
If you are behind on your mortgage and facing foreclosure on your home, here are 10 reasons why you should consider a short sale or some other option rather than letting the bank foreclose on you: 1. You will always have to disclose that you have had a foreclosure on any mortgage application and many ... [Continue Reading]
Jan 26 2011

How to Change Your Due Date

By wwhitehurst
No, this isn’t a way for expectant mothers to move up the birth of their child. It’s an article that lets you know you can change the date your credit card payment is due each month, something not everybody knows. There are three dates, however, in each month that can’t be selected. Can you guess ... [Continue Reading]
Jun 25 2010

Beware The 11th-Hour Credit Report Repull

By wwhitehurst
In the new Loan Quality Initiative environment, Fannie Mae wants lenders to verify that an applicant’s credit profile did not change while the loan was in underwriting.  Lenders will have to do a soft credit pull within 72 hours of closing.   Lenders will look for evidence of any of the following events occurring while the ... [Continue Reading]
Mar 26 2010

New Credit Card Laws Can Affect Your Score

By wwhitehurst
The credit card laws that were passed last year and took effect in February are generally considered protective of the American consumer. However, it means the credit card game has changed as both the card issuers and consumers adjust. With a new game, there are some new rules for maintaining a good credit score. And ... [Continue Reading]

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