Alot  of banks have their Harp 2.0 guidelines out.  However, you need to be careful.  Under the true Harp 2.0 program your existing Mortgage Insurance  company is suppose to transfer over your MI certificate.  That means your monthly mortgage insurance amount is suppose to stay the same.  Today I received an email from a lender stating if your loan receives a EA level one approval your Mortgage Insurance will increase.  What does that mean? That means this lender is not following true Harp 2.0 guidelines.  If you currently have a loan in process with another lender and they are going to...

I can’t seem to stress this enough.  Prior to applying for a home mortgage loan, clean up your credit first.  Every day I get calls from clients.  I ask them how is your credit?  They respond back GOOD.  I pull their credit report only to find out they  have had a bankruptcy, shortsale, foreclosure, late payments, collections, judgments, or acccounts in dispute.  You can’t close on a home mortgage  with the words account in dispute on your credit report.  Since we’ve now pulled your credit report, you will need to call the bureaus to resolve this issue. Then you will...

Are you confused about the entire loan process? Do you think you will never be able to afford your down payment and closing cost funds to be able to purchase a home? Think again. NWM is company that specializes in walking you through the entire loan process. They will analyze your credit report and provide suggestions on how to raise your credit score. Better yet, they will give you practical tips, tools, and techniques that will help you save money in your everyday life to be applied towards your down payment and your closing cost. Saving for your down payment is like trying to loose weight. It...

The whole Lending Tree concept is a scam that bilks thousands of consumers every day. It was fishy when they first started and it’s grown even fishier since they began in 1998. But don’t take my advice, read the facts as I present them here and make your own decision. I wouldn’t want it any other way! This is why you should never, ever use Lending Tree for your Arizona mortgage needs…or any financial needs for that matter: When I first heard about Lending Tree, it was over 5 years ago. The way that they were describing the site was from a perspective that made Lending Tree...

Can I get my credit repaired enough to qualify for a mortgage loan? It is very possible. If you need have questions about credit repair or you need credit repair, call this number: (888) 539-1572 If you are an Arizona citizen and you want to repair your credit so that you can qualify for a mortgage, hopefully, this article will provide you with the necessary tips you need to help make a wise choice when you choose a credit repair company. For the most part, the credit repair business in Arizona is full of scoundrels. It sounds harsh, but the whole idea of credit repair should sound suspicious to you...