Bankruptcy and Credit
by Mindy Leisure The amount of consumers that file bankruptcy each year continue to decline since new laws went into effect in 2005 tightening the requirements for a consumer to…
Home Is Where the Heart Is
by Lee Nordine, National Vice President, Five Rings Financial Dear Friends and Colleagues, Home is where the heart is. If you’re like most Americans, your home is the largest purchase...
Is Being Debt Free a Good Idea?
By Mindy Leisure You’ve sold your home, paid off the car and all your credit cards and even closed most of them. You are completely debt free! This is great…right?…
A New and Dangerous Form of Identity Theft
by Mindy Leisure “Synthetic Identity Theft” now makes up 80% of all ID thefts in the country at this time. Never heard of it? A lot of people haven’t. What…
When A Lender Pulls Your Credit Report
You’re going to buy a home and you’ve gone to one of the many resources to pull a copy of your personal credit report, but is it the same as…
Checking Your Credit Report is a MUST!
Approximately one-third of the population doesn’t check their credit reports every year. Almost one-fourth have never checked them at all. Not checking your credit report on a periodic basis puts…
Bankruptcy
Did someone say the “B” word? Nope, not that word…. I’m talking about Bankruptcy. For those who have had to file, many are embarrassed as think they are one of…
Homebuyer Insurance
Information from our Colleagues that Support the Mortgage Industry Homebuyer: What You Need to Know About Insurance Why is an independent insurance broker a great option when needing insurance? The…
Using a Non-Occupying Co-Borrower
A Non-Occupying Co-Borrower is often used to assist less established Home Buyers purchase their new home. The main reason that a Non-Occupying Co-Borrower is added to the loan, is to...
Reverse Mortgages – For Both Purchase and Refinance
Did you know that a Reverse Mortgage can be used for BOTH purchase and refinance? A FHA-insured Reverse Mortgage is a loan that can bring stability to a Senior Borrower's...
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