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   Why do interest rates change

Why do interest rates change? To understand why mortgage rates change we must first ask the more general question, "Why do interest rates change?" It is important to realize that there is not one interest rate, but many interest rates. Prime rate: The rate offered to a bank's best customers. Treasury bill rates: Treasury bills are short-term debt instruments used by the... More Info
   How can I increase my score

How can I increase my score? While it is difficult to increase your score over the short run, here are some tips to increase your score over a period of time. Pay your bills on time. Late payments and collections can have a serious impact on your score. Do not apply for credit frequently. Having a large number of inquiries on your credit report can worsen your score. Reduce your... More Info
   What is a FICO score

What is a FICO score? A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their bills. Fair, Isaac began its pioneering work with credit scoring in the late 1950s and, since then, scoring has become widely accepted by lenders as a reliable means of credit evaluation. A credit score attempts to... More Info
   Should I Pay Points

Should I pay points? The best way to decide whether you should pay points or not is to perform a break-even analysis. This is done as follows: 1. Calculate the cost of the points. Example: 2 points on a $100,000 loan is $2,000. 2. Calculate the monthly savings on the loan as a result of obtaining a lower interest rate. Example: $50 per month 3. Divide the cost of the... More Info
   What mistakes are commonly made when buying or refinancing a home

If you're like most people, purchasing a home is the biggest investment you'll ever make. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can. Some common home-buying principles and caveats are presented here for your consideration. By keeping... More Info
   4 things that can hurt your credit

(ARA) - Experts can debate the cause of the recession for years, but consumers are feeling the pinch right now through the reduced availability of credit. If you are in the market for a new home, a car or even a cell phone, it is more important than ever to make sure your credit is in great shape. Whenever you apply for any loan, an apartment or even a job, your credit is scrutinized to asses... More Info
   Existing Home Sales

Home Sales Pace For the second month in a row, sales of existing U.S. homes fell in January, according to the National Association of Realtors. With the deadline of the first-time home buyer tax credit in December extended through June, buyers felt less pressure to buy immediately. Total sales fell 7.2 percent to a seasonally adjusted annual rate of 5.05 million units, down from December's... More Info
   The Home Buyer Tax Credit has been extended

The Home Buyer Tax Credit has been extended & now includes existing home buyers as well! Sign a contract to purchase a home by April 30, 2010 and close on the loan by June 30, 2010 and you may be eligible for a tax credit!* Who is eligible for the extended tax credit? First time home buyers who sign a contract to purchase a home by April 30, 2010 and close on the loan by... More Info
   Loan Demand at Stand Still. Are You Nervous About the Year Ahead

The Mortgage Bankers Association (MBA) today released its Weekly Mortgage Applications Survey for the week ending March 12, 2010. The survey covers over 50 percent of all US residential mortgage loan applications taken by mortgage bankers, commercial banks, and thrifts. The data gives economists a look into consumer demand for mortgage loans. A rising trend of mortgage applications indicates... More Info
   Video: Home Tax Credit Expires in Six Weeks

Discussing the impact the home tax credit has had and what will happen after it expires, with Susan Wachter, a real estate professor at Wharton, and Stephen Meister, a real estate... More Info

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