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By Posted on Posted in Fico Credit Scores, How To - Answers to Frequently Asked Questions, How to Credit, Tips for Home Buyers Tagged with , , , , , , , , , ,
credit fixers or self help credit repair

Credit Repair Companies, even the good ones (and I say that very generously) remind me of a quote from one of my all time favorite private dick movies “the Two Jakes”. In the opening scenes Jake finds himself at the top of the heap, professionally speaking, the “leper with the most fingers.” This is how I feel about credit repair companies, even the good ones are just one finger away from being fingerless.

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By Posted on Posted in About Raleigh, Tips for Home Buyers Tagged with , , , , , , ,

A lot of clients want to know why they should get pre-qualified for a mortgage?  It’s a good question!  Hi, my name is Jenny Miller with AES Lending. Let’s look at pre-qualification another way.

By Posted on Posted in How to Credit, Tips for Home Buyers Tagged with , , , , , , ,

As part of our continuing service to you, we’d like to offer some tips that may be helpful when you’re looking to purchase a new home or refinance your home loan.
Above all else, pay your bills and start saving.

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By Posted on Posted in About Raleigh, Affordable Housing, raleigh mortgage lenders, Tips for Home Buyers Tagged with , , , ,

Until recently, getting a loan to purchase a home in Raleigh North Carolina for borrowers with credit scores greater than 620 but less than 640 was nearly impossible. However, because of the improving real estate markets, lenders are beginning to …

FHA 203(b) Loans for North Carolina borrowers with 620 Fico Scores Read more »

By Posted on Posted in How To - Answers to Frequently Asked Questions, How to Credit, Identity Theft Tagged with , , , , , , , , ,

How to Get a Free Copy of My Credit Report Fair and Accurate Credit Transactions Act  (FACTA ) was a law passed by the US Congress in 2004. This act allows consumers to request and obtain a free credit report …

How to Get Truly Free Credit Reports For Life Read more »

By Posted on Posted in Affordable Housing, Economic News, Fannie Mae, FHA Loans, Fico Credit Scores, mortgage loans raleigh nc, Private Mortgage Insurance, Underwriting Tips Tagged with , , , , , , ,

Private Mortgage Insurers leading the way in housing recovery   One of the earliest indicators of the housing meltdown which began in 2007 was that issuers of Private Mortgage Insurance (PMI) began to contract their underwriting guidelines for issuing PMI …

Private Mortgage Insurance helps lead the way in the Housing Recovery Read more »

By Posted on Posted in FAQ, How To - Answers to Frequently Asked Questions, How to Credit Tagged with , , , , , ,

By now you know you should review your credit reports for inaccuracies every 90 days. But do you know what to do when you encounter a mistake in your credit report? 7 Steps to correct credit report errors: The first thing to do is …

Fixing Credit Errors Step By Step Read more »

By Posted on Posted in Mortgage Lender Raleigh North Carolina, mortgage loans raleigh nc, Underwriting Tips, VA Loans Tagged with , , , , ,

Question: My partner and I are not married and only one of us is an eligible veteran while the other is not.  Can both our income be considered for the loan application? Answer: YES, as long as one of you …

Underwriting Tip – VA Loans Unmarried Applicants Read more »

By Posted on Posted in Identity Theft, Tips for Home Buyers Tagged with , , , , , , , , ,

According to statistics released by the U.S. Department of Justice, about 1.6 million households experience theft of existing accounts other than a credit card (such as a banking account), and 1.1 million households discover misuse of personal information (such as their social security number) annually. Here are some important tips for keeping your information safe and sound:

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