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How Do You Improve Your FICO Score

When getting a mortgage loan, credit card, a line of credit or when borrowing money in another way, your FICO score will have a major impact on the interest rate and how much the lender is willing to let you borrow. So how do you improve your FICO score? California... read more

What Determines Interest Rates?

When getting a mortgage or home loan, many borrowers wonder about what factors impact interest rates in a more general sense. An individual’s credit history and FICO score will impact what type of interest rate is available to them, but many wonder what factors... read more

What is Refinancing?

Many first-time homebuyers have heard the term “refinance” but many are unfamiliar with mortgage refinancing and what it means to refinance a mortgage. So in today’s article from lending professional and loan officer Sonia Krietz, we’ll explore the question of what is... read more

What is Mortgage Modification?

A mortgage modification is a bit different than mortgage refinancing, but it offers a great option to homeowners who are struggling to pay their current mortgage or simply wish to obtain more favorable terms. In today’s article from lending professional and loan... read more

What are the Three Types of Refinancing?

Buying a home is an exciting experience and sometimes, the home buyer may obtain a home loan with a higher-than-ideal interest rate. But, if over time, your credit rating and FICO score improves, you may qualify for a lower interest rate on your mortgage loan, thereby... read more

4 Must-Dos for the First Time Homebuyer

Are you ready to fulfill your dream of becoming a homeowner? Purchasing your very first home is an exciting experience, but many soon-to-be homeowners simply don’t fully know what to expect. In today’s article from lending professional and loan officer Sonia Krietz,... read more

Is it a Good Time for You to Refinance?

Refinancing when the time is right can be a great strategic move; one that can help you save thousands upon thousands of dollars over the life of your loan. But how do you know if it’s a good time to refinance? That’s exactly what we’ll explore in... read more

What’s a FICO Score and Why is it Important?

When getting a mortgage loan, your FICO score has a major impact on what mortgage options are available to you and what type of interest rate you can expect to pay. The term “FICO” is an acronym, referring to the Fair Isaac Corporation. The Fair Isaac Corporation is... read more

How to Prepare to Buy Your First Home

Are you getting ready to buy your very first home? Buying a home is a very exciting experience and it’s not something you should take lightly. In fact, your home may be the most expensive item you ever purchase! It can be absolutely wonderful to realize that you... read more