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The current “refi boom” is indicative of the uncertain status of the United States right now—the last time lenders saw this many people seeking to refinance was in the middle of 2003, when unemployme… Read more
Payment history – 35% This element of the credit score is given the most weight, since your payment history expresses how responsible you have been about paying bills on time. Outstanding debt – 30%… Read more
Community pride – Neighborhoods that have withstood hard economic times and which display the residents’ pride in being there are not only more pleasant places to live, but also have more value than … Read more
Underwriters will render one of four decisions, based on the borrower’s request, history, and purported value of the home: they will either approve the loan, approve the loan with conditions, suspend… Read more
One of the most important pieces of mortgage paperwork you signed at the outset of your loan was the “deed of trust,” which certified that you had a mortgage on your particular property and were payi… Read more
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