Welcome to Wisconsinmortgagedepo.com - A complete mortgage service site connecting you with best Wisconsin mortgage Brokers and Wisconsin mortgage lenders.
Let us help you find best Wisconsin mortgage loan programs with a reputable Wisconsin mortgage brokers in Wisconsin. Our services are free and there are no obligations attached. Read through comprehensive Wisconsin mortgage information before making your decisions.
Wisconsinmortgagedepo.com is a comprehensive online mortgage financial brokerage connecting prospective borrowers with top lenders and mortgage brokers in Wisconsin. We offer a streamlined mortgage loan process that is guaranteed to find you best mortgage programs at excellent rates.
Wait No Longer! Wisconsinmortgagedepo.com offers:
A streamlined mortgage process
Guaranteeing Lowest rates
From Most Reliable Wisconsin Mortgage lenders and Wisconsin Mortgage Brokers
We Guarantee:
Comprehensive Wisconsin mortgage information and expert advice
Quick Loan Processing requiring Minimal Paper Work
Reliable one-on-one Service
Free Services, Absolutely no Hidden Costs.
Hurry! Wisconsin mortgage rates are touching historical lows and this situation will certainly not last for long. If you are looking to purchase your first mortgage or if you want to refinance your existing mortgage, NOW is the Best time! Let Wisconsinmortgagedepo.com find you the right type of mortgage plan that completely matches your specific requirements. Pocket friendly prices guaranteed!!!
Wisconsinmortgagedepo.com is a premier mortgage brokerage serving as a valuable intermediary between prospective borrowers and lenders in the state.
http://www.articlesonline.org/article/refinance/Wisconsin-Mortgage-Brokers-Serving-Your-Mortgage-Loan-Requirements/id/85/
Monday, July 9, 2007
Repair Your Credit Like A Financial Expert
How many times have you been scammed by commercials and companies stating that bad credit, no credit, bankruptcy,or divorce is okay?
The truth of the matter is that it's not okay. Having poor credit can devastate your life style. In today's society,your credit speaks for you. It is how you are viewed and judged.
Whether you are trying to buy a home, refinance a home,apply for a credit card, even a cell phone, it will be necessary to have satisfactory credit. However, there are some legitimate companies that specialize in working with individuals with poor credit.
The down fall to this is that you suffer from extremely high interest rates and low lending amounts. Most individuals with poor credit opt to take advantage of these opportunities, which usually result in more debt and credit beyond repair.
Managing your credit is the key to your financial success.There are various programs available to help you understand, manage and repair your credit. However, these programs come at an expense.
You may opt to pursue this goal yourself, with out the help of a professional. This option will save you money and help you gain ample knowledge about your credit and how to manage it.
In all honesty, there is nothing that a credit repair agency can do to repair your credit; that you can't do yourself.Here are a few basic steps to repairing your credit:
* 1. The first step to repairing your credit is to order a copy of your credit report. You can obtain a copy of your credit report, by contacting the three major credit bureaus:
Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
www.equifax.com
Experian Credit Information
P.O. Box 9532
Allen, TX 75013
1-888 397 3742
www.experian.com
TransUnion
P.O. Box 2000
Chester, PA 19022
1-800-916-8800
www.transunion.com
* 2. The second step is to check your credit report for inaccurate information; such as: Collections or debts which have been paid and never updated.
You may also check for inaccurate charge amounts and duplicate items. These are common mistakes made by the credit agency and or the creditor.If you are aware of any mistakes, dispute the information with the credit bureau immediately. They will perform an investigation and have the information updated.
* 3. The third step is to avoid more debt. It is important not to over exceed your budget. Your total debt should not over exceed 45% of your income. This will include, current living expenses, credit cards, car loans and personal expenses, such as: cell phones, pagers, etc.
This list contains just a few of the many steps you can take to repair your credit. The wise scenario to take is to manage your credit and not let it become damaged.
The fact is that repairing your credit will take time and effort. However, getting back on track will make all of your hard work and time spent worth it.Find out how to repair your credit. Discover why a good credit report is vital to your financial future, and how to
make it the best Click http://www.credit-repair-101.com/credit-repair-kit-html
** Attn Ezine editors / Site Owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above.
John Simpson works in software development. A few years ago, he got in trouble with credit card debts. Now he's written a series of articles explaining how he recovered, and repaired his credit.
http://www.articlesonline.org/article/refinance/Repair-Your-Credit-Like-A-Financial-Expert/id/84/
The truth of the matter is that it's not okay. Having poor credit can devastate your life style. In today's society,your credit speaks for you. It is how you are viewed and judged.
Whether you are trying to buy a home, refinance a home,apply for a credit card, even a cell phone, it will be necessary to have satisfactory credit. However, there are some legitimate companies that specialize in working with individuals with poor credit.
The down fall to this is that you suffer from extremely high interest rates and low lending amounts. Most individuals with poor credit opt to take advantage of these opportunities, which usually result in more debt and credit beyond repair.
Managing your credit is the key to your financial success.There are various programs available to help you understand, manage and repair your credit. However, these programs come at an expense.
You may opt to pursue this goal yourself, with out the help of a professional. This option will save you money and help you gain ample knowledge about your credit and how to manage it.
In all honesty, there is nothing that a credit repair agency can do to repair your credit; that you can't do yourself.Here are a few basic steps to repairing your credit:
* 1. The first step to repairing your credit is to order a copy of your credit report. You can obtain a copy of your credit report, by contacting the three major credit bureaus:
Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
www.equifax.com
Experian Credit Information
P.O. Box 9532
Allen, TX 75013
1-888 397 3742
www.experian.com
TransUnion
P.O. Box 2000
Chester, PA 19022
1-800-916-8800
www.transunion.com
* 2. The second step is to check your credit report for inaccurate information; such as: Collections or debts which have been paid and never updated.
You may also check for inaccurate charge amounts and duplicate items. These are common mistakes made by the credit agency and or the creditor.If you are aware of any mistakes, dispute the information with the credit bureau immediately. They will perform an investigation and have the information updated.
* 3. The third step is to avoid more debt. It is important not to over exceed your budget. Your total debt should not over exceed 45% of your income. This will include, current living expenses, credit cards, car loans and personal expenses, such as: cell phones, pagers, etc.
This list contains just a few of the many steps you can take to repair your credit. The wise scenario to take is to manage your credit and not let it become damaged.
The fact is that repairing your credit will take time and effort. However, getting back on track will make all of your hard work and time spent worth it.Find out how to repair your credit. Discover why a good credit report is vital to your financial future, and how to
make it the best Click http://www.credit-repair-101.com/credit-repair-kit-html
** Attn Ezine editors / Site Owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above.
John Simpson works in software development. A few years ago, he got in trouble with credit card debts. Now he's written a series of articles explaining how he recovered, and repaired his credit.
http://www.articlesonline.org/article/refinance/Repair-Your-Credit-Like-A-Financial-Expert/id/84/
Get Free Mortgage Quotes From Top Colorado Mortgage Brokers
Welcome to Coloradomortgagedepo.com - A complete mortgage service site connecting you with best Colorado mortgage brokers and lenders. Let us help you find best Colorado mortgage loan programs with a reputable mortgage lender or mortgage brokers in Colorado.
We offer mortgage loans in tune with your unique set of requirements.
First / Second mortgage
Home improvement loan
Refinance loan
Home equity loan
Debt consolidation loan
Bad credit loan
Reverse mortgage
Jumbo loan
We DO NOT charge for services offered. Absolutely No Hidden costs of any kind! Also you are under no obligation whatsoever upon filling out our Colorado free mortgage quotes form.
If you are looking for reliable online Colorado mortgage brokers information, then you have arrived at the right place. Our extensive network of Colorado mortgage brokers and lenders are waiting to help you. With us you are guaranteed to receive best offers from most reputable mortgage brokers in Colorado.
http://www.articlesonline.org/article/refinance/Get-Free-Mortgage-Quotes-From-Top-Colorado-Mortgage-Brokers/id/83/
We offer mortgage loans in tune with your unique set of requirements.
First / Second mortgage
Home improvement loan
Refinance loan
Home equity loan
Debt consolidation loan
Bad credit loan
Reverse mortgage
Jumbo loan
We DO NOT charge for services offered. Absolutely No Hidden costs of any kind! Also you are under no obligation whatsoever upon filling out our Colorado free mortgage quotes form.
If you are looking for reliable online Colorado mortgage brokers information, then you have arrived at the right place. Our extensive network of Colorado mortgage brokers and lenders are waiting to help you. With us you are guaranteed to receive best offers from most reputable mortgage brokers in Colorado.
http://www.articlesonline.org/article/refinance/Get-Free-Mortgage-Quotes-From-Top-Colorado-Mortgage-Brokers/id/83/
Comprehensive Marketing Details Not Found In Beginner Books
If this is the first marketing article you are reading, go find some other more basic articles that I have written and then come back. This data is for the intermediate to advanced marketers.
I want to go over a three-step outline for your marketing which are:
1)Surveys
2)Getting Attention
3)Postage
Marketing surveys save you from flying blind in your business marketing strategies and are the best way to find out what you should be offering, to whom and how. When you don't really know what to put in your direct mail marketing it's because you haven't done your research.
In order to get the response you would like on your direct mail marketing campaign, one area you need to look at is whether or not you are using a survey to find out what to say to your public. You may immediately answer “No – I don’t survey.” But truthfully, it’s very possible you do and just don’t realize it….read on.
You know your market quite well because you already sell to them. You’re unwittingly surveying all the time. Take this example:
An optometrist has an optical boutique. He knows that the biggest market for his eyewear are women from the ages of 40 to 65 years old. How does he know that? His frame inventory is constantly being restocked fives times more than his men’s frame stock or even children’s. And the types of women’s frames are ones compatible with no-line bifocals. Interesting! Let’s look at what else this optometrist knows. He knows that these women pay a higher price point for their eyewear because the products he keeps reordering are from the more upscale designers so these women probably have more discretionary income. That is what I mean by surveying unwittingly.
Now let's take an example where you are sure you have no data:
You are a mortgage broker and you don't know what to say to people to get them to refinance their property, yet this is the area you specialize in. You assume that the best deal will attract more customers. You conduct a marketing survey, or get a marketing survey conducted for you that asks people indirectly for their attitudes and emotions concerning refinancing and what would be the advantages and disadvantages. You find the majority of people would like to refinance but think it is a very complicated procedure and so they never try. From this information you are able to determine what the tone and message of your advertising should take.
So, what should your promotion say? How about "We'll take the hassle out of refinancing for you. Find out how." You will get a response. You could send out thousands of promotional pieces telling your prospects that you can get them the lowest rate, but that isn't their concern. Their concern is that it's too complicated. Do you see how you could miss? A survey is the answer.
It is smart business to design a survey (or have one designed) to send out to your past customers that will keep you in the know, and not in the dark.
Now let’s go into the next logical sequence of how to break the first barrier of getting attention, so the “button” you found from your survey hits them before they throw away your promotion before ever even reading it.
Ditch the Envelopes!
The most common question that is asked when dealing with direct mail is "How do I get their attention?" This is a major problem because, no matter what you do to them, most envelopes look basically the same. Print on them in color, make a window, stamp it urgent - your customers have seen all these tricks before. They get thrown away before they’re even opened. They can tell from the outside that it is a sales pitch and they just get rid of it. This causes you to lose sales because of assumptions made before you even try to get your message across, when if you had the chance to let the customer know what you were offering they might have gone for it. Plain and simple, the easiest way to get around this is by using postcards.
Not only does the full color aspect of postcards attract more attention than all of the envelopes in any given day’s stack of mail, but it will allow you to get your message across while recipients are making the decision of what to read and what to throw away.
Let’s use this example:
You are sitting on the subway and the guy next to you leans over and says "I have something I would like to sell you and it’s under my trench coat, are you interested?" So as any sane person would do, you move to the furthest seat from him so not to be bothered.
As you now sit in the farthest seat from the untrustworthy freak in the trench coat you are approached by a smiling little Girl Scout who holds out a box of cookies and says "Would you like to buy a box of cookies? Everyone loves the Thin-Mints!" So this time you pull out your wallet and plunk down the $3 for a box of delicious cholesterol and sugar.
See the difference? Don’t hide your message behind a trench coat. For all we know the "untrustworthy freak", as I have affectionately named him, could have had a box of Thin-Mints under there.
We may never know, and neither will your customers if you don’t stop stuffing your promo into bland looking envelopes.
Now, make the final step easy and take out the hassle of direct mail.
It’s one thing to get postcards designed and printed. It’s another to get them into the hands of the recipients rapidly, efficiently, as inexpensively as possible and without too much hassle. You have the choice of doing it yourself in house or getting someone to do it for you.
The apparent advantage of doing it yourself is that you don’t pay someone else what they charge to do it for you. The disadvantage of doing it yourself is that it’s going to cost you more in the long run.
Why?
Normally your postage for a 4.25 x 6" postcard is 23¢. Direct mail companies can lease special software from the USPS which reads the addresses and barcodes them. The post office gives a significant discount for bar-coded mail. Updating this software often (every three months) ensures that the addresses you are mailing to are good. If the person is not longer at that address then it’s a waste of your money to mail to them.
Because of the high tech equipment and software direct mail companies use, you can sometimes save as much as .04 cents per card. And you don’t have all the hassle of getting the mailing out yourself.
I call it a no-brainer: a technical term for saving money and hassle by getting someone else to do your mailing for you. If you have been doing it the hard way, switch over to a direct mail marketing company. I am sure they will be glad to help you save money, time and trouble.
Joy Gendusa founded PostcardMania in 1998; her only assets a computer and a phone. In 2004 the company did close to $9 million in sales and employs over 60 persons. She attributes her explosive growth to her ability to choose incredible staff and her innate marketing savvy. Now she’s sharing her marketing secrets with others. For more free marketing advice, visit her website at www.postcardmania.com.
http://www.articlesonline.org/article/refinancing/Comprehensive-Marketing-Details-Not-Found-in-Beginner-Books/id/121/
I want to go over a three-step outline for your marketing which are:
1)Surveys
2)Getting Attention
3)Postage
Marketing surveys save you from flying blind in your business marketing strategies and are the best way to find out what you should be offering, to whom and how. When you don't really know what to put in your direct mail marketing it's because you haven't done your research.
In order to get the response you would like on your direct mail marketing campaign, one area you need to look at is whether or not you are using a survey to find out what to say to your public. You may immediately answer “No – I don’t survey.” But truthfully, it’s very possible you do and just don’t realize it….read on.
You know your market quite well because you already sell to them. You’re unwittingly surveying all the time. Take this example:
An optometrist has an optical boutique. He knows that the biggest market for his eyewear are women from the ages of 40 to 65 years old. How does he know that? His frame inventory is constantly being restocked fives times more than his men’s frame stock or even children’s. And the types of women’s frames are ones compatible with no-line bifocals. Interesting! Let’s look at what else this optometrist knows. He knows that these women pay a higher price point for their eyewear because the products he keeps reordering are from the more upscale designers so these women probably have more discretionary income. That is what I mean by surveying unwittingly.
Now let's take an example where you are sure you have no data:
You are a mortgage broker and you don't know what to say to people to get them to refinance their property, yet this is the area you specialize in. You assume that the best deal will attract more customers. You conduct a marketing survey, or get a marketing survey conducted for you that asks people indirectly for their attitudes and emotions concerning refinancing and what would be the advantages and disadvantages. You find the majority of people would like to refinance but think it is a very complicated procedure and so they never try. From this information you are able to determine what the tone and message of your advertising should take.
So, what should your promotion say? How about "We'll take the hassle out of refinancing for you. Find out how." You will get a response. You could send out thousands of promotional pieces telling your prospects that you can get them the lowest rate, but that isn't their concern. Their concern is that it's too complicated. Do you see how you could miss? A survey is the answer.
It is smart business to design a survey (or have one designed) to send out to your past customers that will keep you in the know, and not in the dark.
Now let’s go into the next logical sequence of how to break the first barrier of getting attention, so the “button” you found from your survey hits them before they throw away your promotion before ever even reading it.
Ditch the Envelopes!
The most common question that is asked when dealing with direct mail is "How do I get their attention?" This is a major problem because, no matter what you do to them, most envelopes look basically the same. Print on them in color, make a window, stamp it urgent - your customers have seen all these tricks before. They get thrown away before they’re even opened. They can tell from the outside that it is a sales pitch and they just get rid of it. This causes you to lose sales because of assumptions made before you even try to get your message across, when if you had the chance to let the customer know what you were offering they might have gone for it. Plain and simple, the easiest way to get around this is by using postcards.
Not only does the full color aspect of postcards attract more attention than all of the envelopes in any given day’s stack of mail, but it will allow you to get your message across while recipients are making the decision of what to read and what to throw away.
Let’s use this example:
You are sitting on the subway and the guy next to you leans over and says "I have something I would like to sell you and it’s under my trench coat, are you interested?" So as any sane person would do, you move to the furthest seat from him so not to be bothered.
As you now sit in the farthest seat from the untrustworthy freak in the trench coat you are approached by a smiling little Girl Scout who holds out a box of cookies and says "Would you like to buy a box of cookies? Everyone loves the Thin-Mints!" So this time you pull out your wallet and plunk down the $3 for a box of delicious cholesterol and sugar.
See the difference? Don’t hide your message behind a trench coat. For all we know the "untrustworthy freak", as I have affectionately named him, could have had a box of Thin-Mints under there.
We may never know, and neither will your customers if you don’t stop stuffing your promo into bland looking envelopes.
Now, make the final step easy and take out the hassle of direct mail.
It’s one thing to get postcards designed and printed. It’s another to get them into the hands of the recipients rapidly, efficiently, as inexpensively as possible and without too much hassle. You have the choice of doing it yourself in house or getting someone to do it for you.
The apparent advantage of doing it yourself is that you don’t pay someone else what they charge to do it for you. The disadvantage of doing it yourself is that it’s going to cost you more in the long run.
Why?
Normally your postage for a 4.25 x 6" postcard is 23¢. Direct mail companies can lease special software from the USPS which reads the addresses and barcodes them. The post office gives a significant discount for bar-coded mail. Updating this software often (every three months) ensures that the addresses you are mailing to are good. If the person is not longer at that address then it’s a waste of your money to mail to them.
Because of the high tech equipment and software direct mail companies use, you can sometimes save as much as .04 cents per card. And you don’t have all the hassle of getting the mailing out yourself.
I call it a no-brainer: a technical term for saving money and hassle by getting someone else to do your mailing for you. If you have been doing it the hard way, switch over to a direct mail marketing company. I am sure they will be glad to help you save money, time and trouble.
Joy Gendusa founded PostcardMania in 1998; her only assets a computer and a phone. In 2004 the company did close to $9 million in sales and employs over 60 persons. She attributes her explosive growth to her ability to choose incredible staff and her innate marketing savvy. Now she’s sharing her marketing secrets with others. For more free marketing advice, visit her website at www.postcardmania.com.
http://www.articlesonline.org/article/refinancing/Comprehensive-Marketing-Details-Not-Found-in-Beginner-Books/id/121/
The 5 Secrets You Must Uncover To Pay Off Your Mortgage In The Shortest Possible Time
You’ve been making monthly mortgage payments for so long that the checks almost write themselves.
But have you become financially complacent, failing to consider ways to decrease your payments or overall debt?
Here are 5 secrets to paying off your mortgage in the shortest possible time.
1. Get a Mortgage “Tune-Up”
You take your car to your mechanic several times a year to keep it in optimum running condition. The same principle applies to your mortgage, according to Ron Chicaferro, president of Thornburg Mortgage Home Loans, based in Santa Fe, New Mexico.
“Homeowners really need to do a mortgage ‘tune-up’ at least once a quarter,” he says. “To be a savvy homeowner today means more than just locking in a low-interest rate. Borrowers need to know if they’re paying too much for security they don’t need and if their lender is charging them unnecessary fees. When it comes to saving money, it pays to know when it’s right to refinance and to ask lenders about innovative mortgage products that can reduce monthly payments. There's nothing like a mortgage tune-up to save homeowners cash.”
2. Pull the Switch
As interest rates rise, homeowners with adjustable-rate mortgages (ARMs)—which have become increasingly popular among consumers who want to keep monthly payments low—may want to consider switching to a fixed-rate mortgage.
“The gap between long- and short-term rates has narrowed, making even hybrid ARMs—which are fixed for an initial period—not as good a deal as they used to be,” says Valerie Patterson, senior editor of RealEstateJournal.com. “Now is a good time for homeowners with adjustable rates to consider refinancing with a fixed-rate mortgage.”
Of course, a great deal depends on how long you plan to remain in your home, as well as the cost of refinancing, Patterson notes.
3. Trouble in Paradise?
Money problems and debt are key contributors to today’s high divorce rate, and most families take a financial hit after a couple parts company. As the lawyers jockey for position, a critical question emerges: Who gets the house? (And the mortgage payments…)
“If you own a home, the mortgage is likely your most significant monthly payment,” says Brad Stroh, co-CEO of the San Mateo, California-based Freedom Financial Network, LLC, a company that specializes in debt resolution services. “Be certain you understand how you’ll resolve monthly mortgage payments and how you’ll divide the home’s value—whether one partner buys out the other now or the home is to be sold after children are grown.”
4. The Early Bird Catches the Penalty
If you receive a sudden windfall and decide to pay off your entire mortgage earlier than planned, make sure there is no penalty for doing so. You always want to secure a mortgage that specifies there will be no penalty for paying it off early, but if you happened to miss this clause in the contract—something you’ll definitely want to avoid in the future—think twice before writing a check.
Speak with a certified financial planner—someone with nothing to gain from whatever decision you make—to determine the best way to handle this situation.
5. When the Unexpected Happens…
If you suddenly lose your job or suffer an illness that will create a temporary hardship, it may be difficult to keep up with mortgage payments. Protect your investment—and prevent foreclosure—by working out a forbearance agreement with your lender.
“A forbearance agreement allows for a temporary change, such as lowering—or, in some cases, eliminating—your payments for a specified period of time,” says Andrew Housser, Stroh’s partner and co-CEO. “In order to agree to this, your lender must be convinced that your hardship is temporary and that you will be able to get back on track in the future. Otherwise, they may view forbearance as merely delaying the inevitable.”
Other options, according to Housser, are:
• A loan modification, which serves as a permanent change in terms.
• A “deed in lieu,” which lets you offer the deed to your home to prevent foreclosure.
• Sale of your home.
• Refinancing your mortgage for a lower interest rate or monthly payment.
Don’t make the mistake that will cost you your home: saying nothing and defaulting on payments.
Mortgage Relief specializes in assisting Australian families with mortgages by making their monthly repayments more manageable and decreasing their overall debt and total interest paid over the life of their mortgage. Mortgage Relief is a mortgage refinance provider that it part of Australia’s largest Debt Relief™ organization. Visit Mortgage Relief on the web at http://www.mortgagerelief.com.au or contact them directly on 1300 789 014.
http://www.articlesonline.org/article/refinancing/The-5-Secrets-You-Must-Uncover-to-Pay-Off-Your-Mortgage-in-the-Shortest-Possible-Time/id/122/
But have you become financially complacent, failing to consider ways to decrease your payments or overall debt?
Here are 5 secrets to paying off your mortgage in the shortest possible time.
1. Get a Mortgage “Tune-Up”
You take your car to your mechanic several times a year to keep it in optimum running condition. The same principle applies to your mortgage, according to Ron Chicaferro, president of Thornburg Mortgage Home Loans, based in Santa Fe, New Mexico.
“Homeowners really need to do a mortgage ‘tune-up’ at least once a quarter,” he says. “To be a savvy homeowner today means more than just locking in a low-interest rate. Borrowers need to know if they’re paying too much for security they don’t need and if their lender is charging them unnecessary fees. When it comes to saving money, it pays to know when it’s right to refinance and to ask lenders about innovative mortgage products that can reduce monthly payments. There's nothing like a mortgage tune-up to save homeowners cash.”
2. Pull the Switch
As interest rates rise, homeowners with adjustable-rate mortgages (ARMs)—which have become increasingly popular among consumers who want to keep monthly payments low—may want to consider switching to a fixed-rate mortgage.
“The gap between long- and short-term rates has narrowed, making even hybrid ARMs—which are fixed for an initial period—not as good a deal as they used to be,” says Valerie Patterson, senior editor of RealEstateJournal.com. “Now is a good time for homeowners with adjustable rates to consider refinancing with a fixed-rate mortgage.”
Of course, a great deal depends on how long you plan to remain in your home, as well as the cost of refinancing, Patterson notes.
3. Trouble in Paradise?
Money problems and debt are key contributors to today’s high divorce rate, and most families take a financial hit after a couple parts company. As the lawyers jockey for position, a critical question emerges: Who gets the house? (And the mortgage payments…)
“If you own a home, the mortgage is likely your most significant monthly payment,” says Brad Stroh, co-CEO of the San Mateo, California-based Freedom Financial Network, LLC, a company that specializes in debt resolution services. “Be certain you understand how you’ll resolve monthly mortgage payments and how you’ll divide the home’s value—whether one partner buys out the other now or the home is to be sold after children are grown.”
4. The Early Bird Catches the Penalty
If you receive a sudden windfall and decide to pay off your entire mortgage earlier than planned, make sure there is no penalty for doing so. You always want to secure a mortgage that specifies there will be no penalty for paying it off early, but if you happened to miss this clause in the contract—something you’ll definitely want to avoid in the future—think twice before writing a check.
Speak with a certified financial planner—someone with nothing to gain from whatever decision you make—to determine the best way to handle this situation.
5. When the Unexpected Happens…
If you suddenly lose your job or suffer an illness that will create a temporary hardship, it may be difficult to keep up with mortgage payments. Protect your investment—and prevent foreclosure—by working out a forbearance agreement with your lender.
“A forbearance agreement allows for a temporary change, such as lowering—or, in some cases, eliminating—your payments for a specified period of time,” says Andrew Housser, Stroh’s partner and co-CEO. “In order to agree to this, your lender must be convinced that your hardship is temporary and that you will be able to get back on track in the future. Otherwise, they may view forbearance as merely delaying the inevitable.”
Other options, according to Housser, are:
• A loan modification, which serves as a permanent change in terms.
• A “deed in lieu,” which lets you offer the deed to your home to prevent foreclosure.
• Sale of your home.
• Refinancing your mortgage for a lower interest rate or monthly payment.
Don’t make the mistake that will cost you your home: saying nothing and defaulting on payments.
Mortgage Relief specializes in assisting Australian families with mortgages by making their monthly repayments more manageable and decreasing their overall debt and total interest paid over the life of their mortgage. Mortgage Relief is a mortgage refinance provider that it part of Australia’s largest Debt Relief™ organization. Visit Mortgage Relief on the web at http://www.mortgagerelief.com.au or contact them directly on 1300 789 014.
http://www.articlesonline.org/article/refinancing/The-5-Secrets-You-Must-Uncover-to-Pay-Off-Your-Mortgage-in-the-Shortest-Possible-Time/id/122/
Mortgage Prepayment Penalties - Just Say No
One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty says that if the borrower pays off the loan early, commonly during the first five years of the loan, then the borrower will be responsible for paying an additional amount of money, typically about six months interest on 80% of the mortgage balance. Sub-prime market loans will typically carry prepayment penalties more than standard mortgage loans.
You may plan on keeping the house for the entire duration of the prepayment penalty, and be tempted not to worry about it much. But sometimes life circumstances change, so it's wise to avoid any type of prepayment penalty if you can. A typical prepayment penalty might equal five months worth of monthly loan payments, so it's worth checking on. Of course, you should always ask (before you sign) if a new loan has a prepayment penalty. In fact, ask the lending officer to point out to you in the document where a prepayment penalty is discussed.
Most items in a loan are subject to negotiation. If you haven't signed loan papers yet, and you find that your loan has a prepayment penalty, you might offer to pay an additional closing point or so to see if it can be removed. The key at this stage is that if you agree to the prepayment penalty, you should try to find ways to reduce either the amount, the term, or both as much as possible.
If you already have a loan, you are bound by the terms of the document, unless you can negotiate them. There are perfectly legitimate reasons why you may want to pay off a note early - most often, due either to refinancing or selling the house. You may be able to contact your lender to see if they will waive the prepayment penalty if they are able to provide refinancing. If interest rates have dropped a lot, and you can't get out of the prepayment penalty, it may be worth rolling that amount into a new loan. And of course, try to get the new loan without a prepayment penalty.
Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.
http://www.articlesonline.org/article/refinancing/Mortgage-prepayment-penalties---Just-say-no/id/123/
You may plan on keeping the house for the entire duration of the prepayment penalty, and be tempted not to worry about it much. But sometimes life circumstances change, so it's wise to avoid any type of prepayment penalty if you can. A typical prepayment penalty might equal five months worth of monthly loan payments, so it's worth checking on. Of course, you should always ask (before you sign) if a new loan has a prepayment penalty. In fact, ask the lending officer to point out to you in the document where a prepayment penalty is discussed.
Most items in a loan are subject to negotiation. If you haven't signed loan papers yet, and you find that your loan has a prepayment penalty, you might offer to pay an additional closing point or so to see if it can be removed. The key at this stage is that if you agree to the prepayment penalty, you should try to find ways to reduce either the amount, the term, or both as much as possible.
If you already have a loan, you are bound by the terms of the document, unless you can negotiate them. There are perfectly legitimate reasons why you may want to pay off a note early - most often, due either to refinancing or selling the house. You may be able to contact your lender to see if they will waive the prepayment penalty if they are able to provide refinancing. If interest rates have dropped a lot, and you can't get out of the prepayment penalty, it may be worth rolling that amount into a new loan. And of course, try to get the new loan without a prepayment penalty.
Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.
http://www.articlesonline.org/article/refinancing/Mortgage-prepayment-penalties---Just-say-no/id/123/
Should I Refinance With My Current Lender?
With so many homeowners refinancing lately, there are hundreds of refinancing questions being asked. One of the most common is "Should I refinance with my current lender?" The answer is both yes and no.
Your current lender should be the last lender that you obtain a quote from, but you should definitely contact them when you are thinking of refinancing. Get together quotes from other lenders, and then approach your current lender and ask them to meet, or even better, beat those quotes.
You can also ask them to waive certain settlement costs and other fees involved since you are already an established customer and your lender may have customer retention programs, but you will need leverage before you do this. That leverage should come in the form of quotes from your lender’s competitors.
In fact, your lender may opt to just decrease the interest rate you are currently paying, thereby allowing you to avoid settlement costs altogether.
However, there are drawbacks to using your current lender. Your lender already has your business, once you pay the lock-in fee, they have your money too. Since they already have your mortgage, they have no incentive to close the deal in a timely manner. There are also times when lenders will not quote you the best rate they have, but will quote you a rate that is lower than your current rate.
For instance, if you’re at an eight-percent interest rate currently, your lender may offer you 6.5 percent because it’s significantly lower than your current rate. Normally, that would be great, but if rates are at 5.5 percent, your lender isn’t doing you any favors. That is why it is so important to be prepared with quotes from other lenders. It lets you know what rates are available to you, and lets your lender know that you’re not going into the situation blind.
A wise decision is to treat your current lender as you would any other lender (see examples at: http://debt-solution.biz ). If they do not come in with the lowest rate or best service, take your business elsewhere. While it is nice to do business with a familiar face, you are not obligated to refinance with them, and if you can save money by going elsewhere, you should do so.
Written by Craig Romero/Mortgage Analyst Discover how to quickly build a minimum of $40,000 worth of home equity and pay your mortgage off in 10 years or less without making biweekly mortgage payments. Visit: http://debt-solution.biz
http://www.articlesonline.org/article/refinancing/Should-I-Refinance-With-My-Current-Lender-/id/124/
Your current lender should be the last lender that you obtain a quote from, but you should definitely contact them when you are thinking of refinancing. Get together quotes from other lenders, and then approach your current lender and ask them to meet, or even better, beat those quotes.
You can also ask them to waive certain settlement costs and other fees involved since you are already an established customer and your lender may have customer retention programs, but you will need leverage before you do this. That leverage should come in the form of quotes from your lender’s competitors.
In fact, your lender may opt to just decrease the interest rate you are currently paying, thereby allowing you to avoid settlement costs altogether.
However, there are drawbacks to using your current lender. Your lender already has your business, once you pay the lock-in fee, they have your money too. Since they already have your mortgage, they have no incentive to close the deal in a timely manner. There are also times when lenders will not quote you the best rate they have, but will quote you a rate that is lower than your current rate.
For instance, if you’re at an eight-percent interest rate currently, your lender may offer you 6.5 percent because it’s significantly lower than your current rate. Normally, that would be great, but if rates are at 5.5 percent, your lender isn’t doing you any favors. That is why it is so important to be prepared with quotes from other lenders. It lets you know what rates are available to you, and lets your lender know that you’re not going into the situation blind.
A wise decision is to treat your current lender as you would any other lender (see examples at: http://debt-solution.biz ). If they do not come in with the lowest rate or best service, take your business elsewhere. While it is nice to do business with a familiar face, you are not obligated to refinance with them, and if you can save money by going elsewhere, you should do so.
Written by Craig Romero/Mortgage Analyst Discover how to quickly build a minimum of $40,000 worth of home equity and pay your mortgage off in 10 years or less without making biweekly mortgage payments. Visit: http://debt-solution.biz
http://www.articlesonline.org/article/refinancing/Should-I-Refinance-With-My-Current-Lender-/id/124/
Credit Damage: Getting Compensated For Your Loss
Until recently lawyers for victims of credit damage had little possibility to collect for damages beyond medical treatment, lost wages and property loss. Insurance companies threw up their hands in sympathy, claiming victims can only be compensated for what can be measured — tangible goods and services. But, what happens when the victim has lost considerable time from work, the family bank is broke and monthly payments on mortgages, car loans and credit cards payments are missed? Regardless of the haggling between lawyers and insurance companies, it’s the credit victim who ends up having to live with a bad credit rating.
Today, there are legally accepted means for measuring loss of credit through the procedure of Credit Damage Measurement (CDM). CDM is fast becoming a potent tool for recoverable credit damage awards when the damage is not self-inflicted. Previously, both judge and jury, and especially the insurance companies, refused to acknowledge CDM claiming it was speculative because they could not define it as tangible damage. However, in case after case, victims of credit damage who use the CDM method are getting compensation for credit loss. Many factors are changing the old mindset including credit bureau technology improvements, the application of the Fair Credit Reporting Act (FCRA), risk scoring sophistication, and the development of CDM as an objective, repeatable method that measures out-of-pocket damage reliably.
Credit Ratings and Recovery
The impact of a bad credit rating is much more significant than most people think. Consider what poorly rated consumers face when they want to lease or buy vehicles, obtain credit cards, buy or lease or refinance their residence. In most cases, it’s an easy decision for the creditor: the credit application is simply turned down or the borrower is charged a much higher down payment – maybe thousands of dollars more with monthly payments that are typically several hundred dollars more.
“A person with bad credit is viewed with suspicion and is charged significantly more for future extension of credit because the lender feels the need to protect against a greater risk or default,” says Tom Key, a civil litigator practicing in Tustin, CA.
“Over the years I have heard reports of financial damages from clients who have been wrongfully terminated, defrauded, injured in an accident or suffered losses from breach of contract,” Key says. “These victims were especially distraught over the fact that their prime credit reputation, carefully nurtured for years, is destroyed overnight. It seemed to me that there must be a way to compensate victims for that type of loss.”
Key has witnessed the reactions of many jurors who failed to award a victim of credit damage their rightful compensation simply because they could not quantify the damages. “Jurors want a specific loss that they can count, hold and see,” says Key. “Their reasoning is that they need to know that it is genuine. They have a tough time awarding damages based on sympathy. In order for them to confirm authenticity of a claim, they want to see its quantification.”
Measuring Loss of Creditworthiness
Assuring authenticity has been a sticky situation when it concerns measuring out-of-pocket loss for victims of credit damage — until now. Attorneys who represent victims of credit damage are now utilizing the Credit Damage Measurement method to recover out-of-pocket losses for their clients. “CDM measures the actual out-of-pocket dollars reasonably expected from loss of creditworthiness, which includes higher down payments, higher points and costs on loans, higher interest rates, higher monthly payments, or outright denial of credit,” says Key. “In addition, the CDM method also calculates the rates, costs and other terms applicable to the resulting credit rating by lenders and projects the results over the relevant number of years for the types of loans the client is likely to seek.”
Key continues, “For example, if a client’s credit was near perfect before a triggering event, and is subsequently damaged by the event, the CDM procedure can illustrate before and after analyses, calculating the cost of the same loans with the two different credit reports, Pre- injury credit compared to Post-injury credit.” In many cases, CDM clients have already realized significant compensation. In one such case CDM was instrumental in recovering $56,000 for damaged credit reputation. “That calculation is the difference between what refinancing a $140,000 loan would have cost my client with their prior rating, and what it will cost them out-of-pocket with their damaged credit rating —measured over a seven-year period.”
Isolated Compensation vs. Repeatable Compensation
The CDM method of measuring intangible credit loss is increasingly becoming the basis of recovery for victims of credit damage. It’s changing the way judges and juries measure recoverable out-of-pocket loss, and then can compensate for loss of credit expectancy. Certainly there are still some skeptics, mostly defendants. Technically, credit damage measurement is intangible. However, CDM has proven an objective and practical procedure to calculate out-of-pocket damage for companies or families to compensate for their credit damage.
“To have this kind of measurement is an exciting complexity in our society,” says Key. “CDM is very understandable and a rather simple way to come to a conclusion of loss for the victim. If you understand the math and are an expert at reading credit reports, the calculations and recovery are undeniable. It’s a method of turning isolated compensation into repeatable compensation. It’s changing the way jurors rule on these damaging cases. Because of this method, victims of credit damage can be more fairly and more completely compensated for out-of-pocket damage.”
Georg Finder, president of CM Financial Services of Fullerton, California, wrote and presents the first State Bar accepted continuing legal education seminar on credit reports and credit damage. He can be reached at (714) 441-0900 or at www.creditdamage.com Free Finance Advice Read our free articles on mortgages,loans,credit cards,home insurance and credit rating. View today! Discount Finance Magazines! Compare susbscription prices for over 2200 magazines from 20 different merchants. Hundreds under $5. Financial Freedom Now $235-285K 1st year potl. Training provided. Not MLM. Own it Use it Resell it own your very own software ...more details Finance: FREE community GAMinvestor.com: free newsletter, free lessons, stocks, investing, industry analysis, commentaries Business Finance Problems Problem cases welcome Asset purchase, loans, restructuring, property purchase, vehicles, UK based Christian Finance As Christians we have the responsibility of putting our lives into focus. 3 Easy Steps To Make Money I Will Personally Build A Money Making Website For You That's 100% Ready To Take Orders NCBuy.com Credit Card Center Over 100 online credit card offers, with indepth reviews and key feature comparisons, and rates.
http://www.articlesonline.org/article/refinancing/Credit-Damage--Getting-Compensated-for-Your-Loss/id/125/
Today, there are legally accepted means for measuring loss of credit through the procedure of Credit Damage Measurement (CDM). CDM is fast becoming a potent tool for recoverable credit damage awards when the damage is not self-inflicted. Previously, both judge and jury, and especially the insurance companies, refused to acknowledge CDM claiming it was speculative because they could not define it as tangible damage. However, in case after case, victims of credit damage who use the CDM method are getting compensation for credit loss. Many factors are changing the old mindset including credit bureau technology improvements, the application of the Fair Credit Reporting Act (FCRA), risk scoring sophistication, and the development of CDM as an objective, repeatable method that measures out-of-pocket damage reliably.
Credit Ratings and Recovery
The impact of a bad credit rating is much more significant than most people think. Consider what poorly rated consumers face when they want to lease or buy vehicles, obtain credit cards, buy or lease or refinance their residence. In most cases, it’s an easy decision for the creditor: the credit application is simply turned down or the borrower is charged a much higher down payment – maybe thousands of dollars more with monthly payments that are typically several hundred dollars more.
“A person with bad credit is viewed with suspicion and is charged significantly more for future extension of credit because the lender feels the need to protect against a greater risk or default,” says Tom Key, a civil litigator practicing in Tustin, CA.
“Over the years I have heard reports of financial damages from clients who have been wrongfully terminated, defrauded, injured in an accident or suffered losses from breach of contract,” Key says. “These victims were especially distraught over the fact that their prime credit reputation, carefully nurtured for years, is destroyed overnight. It seemed to me that there must be a way to compensate victims for that type of loss.”
Key has witnessed the reactions of many jurors who failed to award a victim of credit damage their rightful compensation simply because they could not quantify the damages. “Jurors want a specific loss that they can count, hold and see,” says Key. “Their reasoning is that they need to know that it is genuine. They have a tough time awarding damages based on sympathy. In order for them to confirm authenticity of a claim, they want to see its quantification.”
Measuring Loss of Creditworthiness
Assuring authenticity has been a sticky situation when it concerns measuring out-of-pocket loss for victims of credit damage — until now. Attorneys who represent victims of credit damage are now utilizing the Credit Damage Measurement method to recover out-of-pocket losses for their clients. “CDM measures the actual out-of-pocket dollars reasonably expected from loss of creditworthiness, which includes higher down payments, higher points and costs on loans, higher interest rates, higher monthly payments, or outright denial of credit,” says Key. “In addition, the CDM method also calculates the rates, costs and other terms applicable to the resulting credit rating by lenders and projects the results over the relevant number of years for the types of loans the client is likely to seek.”
Key continues, “For example, if a client’s credit was near perfect before a triggering event, and is subsequently damaged by the event, the CDM procedure can illustrate before and after analyses, calculating the cost of the same loans with the two different credit reports, Pre- injury credit compared to Post-injury credit.” In many cases, CDM clients have already realized significant compensation. In one such case CDM was instrumental in recovering $56,000 for damaged credit reputation. “That calculation is the difference between what refinancing a $140,000 loan would have cost my client with their prior rating, and what it will cost them out-of-pocket with their damaged credit rating —measured over a seven-year period.”
Isolated Compensation vs. Repeatable Compensation
The CDM method of measuring intangible credit loss is increasingly becoming the basis of recovery for victims of credit damage. It’s changing the way judges and juries measure recoverable out-of-pocket loss, and then can compensate for loss of credit expectancy. Certainly there are still some skeptics, mostly defendants. Technically, credit damage measurement is intangible. However, CDM has proven an objective and practical procedure to calculate out-of-pocket damage for companies or families to compensate for their credit damage.
“To have this kind of measurement is an exciting complexity in our society,” says Key. “CDM is very understandable and a rather simple way to come to a conclusion of loss for the victim. If you understand the math and are an expert at reading credit reports, the calculations and recovery are undeniable. It’s a method of turning isolated compensation into repeatable compensation. It’s changing the way jurors rule on these damaging cases. Because of this method, victims of credit damage can be more fairly and more completely compensated for out-of-pocket damage.”
Georg Finder, president of CM Financial Services of Fullerton, California, wrote and presents the first State Bar accepted continuing legal education seminar on credit reports and credit damage. He can be reached at (714) 441-0900 or at www.creditdamage.com Free Finance Advice Read our free articles on mortgages,loans,credit cards,home insurance and credit rating. View today! Discount Finance Magazines! Compare susbscription prices for over 2200 magazines from 20 different merchants. Hundreds under $5. Financial Freedom Now $235-285K 1st year potl. Training provided. Not MLM. Own it Use it Resell it own your very own software ...more details Finance: FREE community GAMinvestor.com: free newsletter, free lessons, stocks, investing, industry analysis, commentaries Business Finance Problems Problem cases welcome Asset purchase, loans, restructuring, property purchase, vehicles, UK based Christian Finance As Christians we have the responsibility of putting our lives into focus. 3 Easy Steps To Make Money I Will Personally Build A Money Making Website For You That's 100% Ready To Take Orders NCBuy.com Credit Card Center Over 100 online credit card offers, with indepth reviews and key feature comparisons, and rates.
http://www.articlesonline.org/article/refinancing/Credit-Damage--Getting-Compensated-for-Your-Loss/id/125/
Refinancing Your Home Why You Should And Why You Would.
There are many people in today’s society that have, for one reason or another, found themselves in massive financial difficulty.
The reasons for this are widespread but typically include credit card debt, loan debt, Car Loans (believe it or not), or mortgage problems.
All of these things are debt of one type or another and during our study we have found that there is a typical pattern of events surrounding the persons problems. Read on and see if this sounds familiar:
1. Person has a job, not brilliantly paid but a paying job
2. Person feels comfy so gets a loan to buy ‘x’ with (Car, kitchen, holiday, etc)
3. Person then either
a. Loses job
b. Acquires more loans (because they need more stuff)
4. The debt that they’ve acquired then starts eating away at what ever money was left at the end of the month
5. Person borrow more money to help prop up the existing debts, usually with credit card spending
6. Points 4 and 5 then get repeated until suddenly the monthly out goings are more than the incomings
And suddenly the person finds themselves in trouble because each month the debt gets bigger and bigger.
Sound familiar?
There are probably some of you reading this thinking ‘What is he talking about?’, rest assured there are those reading this right now having just experienced a cold chill.
One of the options that ‘Person’ usually overlooks is the value of the house that they are living in, a simple mistake (because realistically who wants to gamble the roof over their head?).
There are two clear ways out for Person, he can either sell the property (in which case a series of new problems come to light – like finding somewhere else to live) or more intelligently he could refinance the property (the technical name for this is ‘Refinance Home Equity’ / ’Refinance Home Mortgage’).
Most banks will do this for you (assuming you haven’t already upset them) or you can approach a private company for a ‘Home Equity Loan’.
The thing to remember about refinancing your home (whether ‘Refinance Home Equity’ via a bank or ‘Home Equity Loan’ via a loan company) you are essentially borrowing money against the value of your home, and so if you default on this loan (or remortgage) then you are going to be in real trouble.
To limit the potential for problems you should:
1. Find local refinance companies – they’ll be more sympathetic to your situation
2. Find the best refinance loan rate or Home Equity Refinance rate
3. Clear credit card debt first – this is typically the most expensive type of loan
4. Don’t refinance just to buy a car – if you’re not doing well don’t go OTT
5. Whether you’re looking at mortgage loans or equity loans be sure to shop around – the larger banks might make an offer to stop you using the smaller refinance provider
This may seem like very simple advice to many people but for some, who have worked themselves into a rut it’s handy to be reminded.
And don’t forget, by intelligent use of credit and refinance you can solve your debt problems. About The Author: The author, Paul Foley, is a successful counselor and Webmaster of the refinance information site http://www.mortgagehelp4u.com The site is dedicated to providing information to those who need it regarding getting out of debt by means of financial tools.
http://www.articlesmagazine.com/story-24764.php
The reasons for this are widespread but typically include credit card debt, loan debt, Car Loans (believe it or not), or mortgage problems.
All of these things are debt of one type or another and during our study we have found that there is a typical pattern of events surrounding the persons problems. Read on and see if this sounds familiar:
1. Person has a job, not brilliantly paid but a paying job
2. Person feels comfy so gets a loan to buy ‘x’ with (Car, kitchen, holiday, etc)
3. Person then either
a. Loses job
b. Acquires more loans (because they need more stuff)
4. The debt that they’ve acquired then starts eating away at what ever money was left at the end of the month
5. Person borrow more money to help prop up the existing debts, usually with credit card spending
6. Points 4 and 5 then get repeated until suddenly the monthly out goings are more than the incomings
And suddenly the person finds themselves in trouble because each month the debt gets bigger and bigger.
Sound familiar?
There are probably some of you reading this thinking ‘What is he talking about?’, rest assured there are those reading this right now having just experienced a cold chill.
One of the options that ‘Person’ usually overlooks is the value of the house that they are living in, a simple mistake (because realistically who wants to gamble the roof over their head?).
There are two clear ways out for Person, he can either sell the property (in which case a series of new problems come to light – like finding somewhere else to live) or more intelligently he could refinance the property (the technical name for this is ‘Refinance Home Equity’ / ’Refinance Home Mortgage’).
Most banks will do this for you (assuming you haven’t already upset them) or you can approach a private company for a ‘Home Equity Loan’.
The thing to remember about refinancing your home (whether ‘Refinance Home Equity’ via a bank or ‘Home Equity Loan’ via a loan company) you are essentially borrowing money against the value of your home, and so if you default on this loan (or remortgage) then you are going to be in real trouble.
To limit the potential for problems you should:
1. Find local refinance companies – they’ll be more sympathetic to your situation
2. Find the best refinance loan rate or Home Equity Refinance rate
3. Clear credit card debt first – this is typically the most expensive type of loan
4. Don’t refinance just to buy a car – if you’re not doing well don’t go OTT
5. Whether you’re looking at mortgage loans or equity loans be sure to shop around – the larger banks might make an offer to stop you using the smaller refinance provider
This may seem like very simple advice to many people but for some, who have worked themselves into a rut it’s handy to be reminded.
And don’t forget, by intelligent use of credit and refinance you can solve your debt problems. About The Author: The author, Paul Foley, is a successful counselor and Webmaster of the refinance information site http://www.mortgagehelp4u.com The site is dedicated to providing information to those who need it regarding getting out of debt by means of financial tools.
http://www.articlesmagazine.com/story-24764.php
Subscribe to:
Posts (Atom)