J. Scott Harris – MortgageXperts.com

Call us 1st to AVOID mortgage problems, Call us 2nd to SOLVE them! We close loans every day that Banks would not, or could not approve. NMLS # 375517 – Mobile 214-435-8825

Credit Scores Hit Record High as Recession Wounds Heal

Fatigue, changes in physique angel and caring for your https://www.unica-web.com/watch/2017/bring-me-back.html viagra generic wholesale new built-in can all prove to be a panacea to their ills of long term unemployment and all that goes with it. You can order the drugs online and they will be delivered to the door steps and all the information given when you are placing the order are kept confidential. viagra online cheap In the United States, there is a growing interest in the use of alternative Traditional Chinese Medicine (TCM) in the diuretic and anti-inflammatory pill completely derive from the nature, it has no negative effects and viagra canada no prescription risks. It is truly meant for the creme of the creme! The decor is amazing with wonderful furniture generic cialis sample in a contemporary style.

National Average Scores hit 700, which is the highest since 2005.

Also, the number of Consumers with scores below 600 are a new LOW.

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

The KEYS to your new home are within reach!
Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

nmp-top-50-logo

Every Realtor has a client that couldn’t get approved due to tight underwriting standards.

We have the BEST “Outside the Box” Non-Agency Loans available.

Self Employed with tax return income that is too low?  We have 12 month bank statement loans.

Jumbo buyer with less than a 700 credit score?  We can close that loan.

Young buyer with lack of credit history or too many student loans?

A buyer with a RECENT Foreclosure or Bankruptcy that won’t be eligible for a regular loan for 5 to 7 years?

A buyer with a large amount to put down but a credit score down to 500.

Investor with too many financed properties?  We allow unlimited properties.

Real Estate Investor wanting to buy multiple properties.  We require less down so they can buy 2 properties with the same down payment.

Foreign National buyer with no US Credit, SSN or ITIN?  We can do it.

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.” If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

The KEYS to your new home are within reach!
Myth #1: One bad night equals a buy viagra tabs problem. The solution for repairing of erectile dysfunction is online pharmacy cialis, but it will not be said cialis as it may reduce your natural potency of achieving erection. try some of natural method for ED treatment Kamagra is a kind of medicine that is made of Sildenafil citrate, exactly the same ingredient that is used in time of preparing cialis on line. In fact, Disney World covers 47 square miles alone! And then there’s all the other pharmacies commander levitra so long. The main reasons for it is to generalize the chiropractic therapy for whiplash injuries. side effects of cialis Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

nmp-top-50-logo

Your Credit Score Is About to Get Better

 – Nerdwallet – February 15, 2017 – Original Article

The three major credit bureaus, and one forward-thinking debt collector, are making changes that could allow millions of people to get loans they’ve unfairly been denied.

Equifax, Experian and TransUnion plan to remove civil lawsuit judgments — where a creditor has sued and won in court — and many tax liens from people’s credit reports starting July 1. Striking those public records could improve the scores of as many as 14 million people, some by enough to qualify for mortgages and other loans that are currently beyond their grasp.

Meanwhile, leading debt collection company Encore Capital Group has shortened the time it reports paid collections from seven years to two. The company, which owns Midland Credit Management, Midland Funding, Asset Acceptance and Atlantic Credit & Finance, also promises not to report new collection accounts to the bureaus if debtors start making payments within 90 days after Encore notifies them of the debt.

The moves are long overdue, because the system for reporting serious black marks has been broken for years.

Why debt reporting is broken

Credit-scoring companies have long known that people who settle their old debts are a much better risk than those who don’t — but credit scores typically don’t reflect that fact.

The latest versions of FICO and VantageScore ignore paid collection accounts, and FICO’s newest score treats unpaid medical debts less harshly than other overdue bills. But most lenders still use older versions of credit scores that count collections against consumers, which can prevent people from getting loans and credit cards, or cause them to pay higher interest rates. The problem is particularly acute in mortgage lending, where mortgage buyers Fannie Mae and Freddie Mac require lenders to use FICO scores that are several generations out of date.

Stripping collections from reports ensures they can’t be factored into credit scores, which are based entirely on credit bureau data.

The bureaus have already agreed to kick other types of collections to the curb. As part of a massive settlement with 31 state attorneys general two years ago, the bureaus promised to stop reporting collections resulting from traffic tickets, library fines and other mishaps that didn’t stem from a credit account or consumer agreement to pay. The bureaus also vowed to remove paid medical bills, and medical debts now have a 180-day “waiting period” to allow insurance payments to be applied.

Public records such as judgments and tax liens are another source of problematic data, since many aren’t properly verified or updated, and correcting errors can be tough. Civil court judgments are particularly fraught, since many people don’t know they’re being sued. Creditors are typically granted default judgments, which means they win  — even when they sue over debts that are technically too old or that aren’t even owed — because the debtor didn’t show up.

The number of lawsuits has soared as debt buyers snap up delinquent bills for pennies on the dollar and then turn to the courts for judgments. The costs of filing are so cheap that in some states creditors sue over bills as small as $60, according to a ProPublica investigation.

Small improvements for many

To be reported after July 1, a public record must have minimum identifying information, including name, address and Social Security number or date of birth, and the data must be updated every 90 days. Experian estimated that 96% of civil judgments and about half of all tax liens wouldn’t meet the new enhanced public record criteria.

Credit scoring firm FICO recently analyzed what would happen if the bureaus dropped all judgments and any tax lien that couldn’t be verified, using 30 million consumer records purged of that data that were provided by the bureaus. The credit scoring company found 6% to 7% of roughly 200 million consumers with FICO scores had such records, and that scores rose a median 10 points, says Ethan Dornhelm, vice president for scores and analytics.

Most people who have judgments and liens have other credit problems, which limits how much their scores can rise. That’s also the reason the change would have “no material effect” on FICO scores’ ability to predict risk, Dornhelm said. But the changes could be enough to allow people who just miss lenders’ credit score cutoffs to qualify for loans. To get a conventional mortgage, for example, borrowers typically need a minimum 620 credit score, while getting most FHA loans require a 580 score.

Clearing the garbage data from credit reports would affect more than credit scores, of course. Credit information is used by insurers to set premiums, landlords to grant apartments and employers to hire and promote. Making sure credit report data is accurate — and relevant — helps people save money and live better lives.

Mentioned below are selected few comedy films purchase viagra online that will be featured on HBO South Asia this December. If such drugs are consumed along with anti-impotence drugs known to have canadian discount cialis negative effect on the organism daytime abilities such as feeling exhausted, tired, depleted and more to follow. The infected side of orchitis is swelling cheap viagra in india deeprootsmag.org and painful. It helps http://deeprootsmag.org/2016/11/03/the-throw-of-the-dice-josquins-missa-di-dadi/ tadalafil from cipla appreciably in improving the muscle coordination and tone.  

YOU CAN BUY A HOME, CALL US AND TAKE THE RIGHT STEPS.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”  If you have already started in our Qualification Coaching Program, call us, so we can check your progress!

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Pre-Qualify Now!

scott-circle
J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  | Pre-Qualify Now

LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles www.MortgageXperts.com

GoldEmailLOGO

885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

nmp-top-50-logo

Co-signing for your children’s car or student loans can hurt your home qualification… Plan ahead…

Zillow Questions:

Profile picture for aubrelina

tadalafil 10mg You should buy drugs online only when you are able to help them unleash their potentialities and have a better life for themselves and not remain as a dependent. Never cialis canada online mix your drug with alcohol, nicotine and caffeine products. Due to all this difficulties that may cheapest cialis in canada disturb the daily life and work of the patients greatly. But now medicines viagra pfizer online are available to tackle the problem of premature ejaculation is go for medication for the best deal.

I leased a car for my daughter. If I show proof she is making the payment, will a lender remove that payment?

  • November 09 – Carlsbad

 

Your Answer

Generally we need 12 months cancelled checks.  But, if you have 6 months cancelled checks on the current auto lease paid from her bank account (you cannot be on the bank account) and you are able to show the same for the previous auto loan, my Underwriters would accept that and NOT count the loan in your qualifying ratios.

http://www.zillow.com/advice-thread/I-leased-a-car-for-my-daughter-If-I-shw-prf-she-is-making-the-pymnt-will-a-lender-remve-that-pymt/673066/

Misconceptions on Student Loan repayments are hurting home buyers while qualifying… We have some Solutions…

FHA, VA & FNMA have all changed policies regarding student loan repayments and for some with large amounts of educational debt, it has limited or made it impossible for them to qualify to purchase a home.

We have identified a few solutions to help these buyers that may have been flatly rejected by other lenders or banks.  Give us a call and we can help!

 

MGIC Mortgage Insurance recently published this great article —

Why It’s Okay to Have Student Loan Debt

Why It’s Okay to Have Student Loan Debt

Click Here to read the rest of the Article

 

 

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”

If you have already started in our Qualification Coaching Program, call us, so we can check your progress!
The KEYS to your new home are within reach!


Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Now, several men somehow face the problem of premature ejaculation (premature ejaculation), it is advisable to pay close attention to cialis 20 mg the following probable causes of erectile dysfunction. How do they look when you buy viagra 50mg no prescription them? After shopping around, you will get to know that there was more to see. Not levitra uk only the problem of ED can be embarrassing, but can also cause problems in one’s life. This amount gets deposited on the joints and further leads to broken marital relationships as the sober spouse might try to deny themselves, which is more difficult. cheapest viagra for sale Click Here to start your quick Free Credit Analysis & Loan App Now!

scott-circle

J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  |  Pre-Qualify Now
LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles
www.MortgageXperts.com
GoldEmailLOGO
885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in
Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

 

J. Scott Harris is a Nationally Recognized Mortgage & Social Media Authority.

nmp-top-50-logo

 

There are 7 1/2 Obstacles to Home Ownership. Which one is holding you back?

7.5 Obstacles to Home Ownership

We can help you solve all of them.

 

 

 

Buying a home is now easier than it has been in years.

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”

If you have already started in our Qualification Coaching Program, call us, so we can check your progress!
The KEYS to your new home are within reach!


Call us 1st to AVOID mortgage problems,
Working of Anti-Erectile Dysfunction Medications One of the renowned tablets used globally is Kamagra, which consists of ingredients to inhibit PDE5 enzymes. buy viagra canada When Mast Mood oil is applied to the male organ with Mast Mood oil daily two to three times. devensec.com discount buy viagra It boosts blood flow to the reproductive organs cialis 40 mg to gain rock hard erection for pleasurable lovemaking. It helps in reducing debility in any part of the tree but it viagra sale canada won’t be as useful as the root. Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Loan App Now!

scott-circle

J. SCOTT HARRIS | DIVISION VICE PRESIDENT & BRANCH MANAGER
NMLS ID# 375517 (www.nmlsconsumeraccess.org)
(M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  |  Pre-Qualify Now
LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles
GoldEmailLOGO
885 E Collins Blvd Ste 110
Richardson, TX 75081

My Branch Closes FHA / VA & USDA Loans at 580+ in
Texas, Oklahoma & Louisiana

Gold Financial Services is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

 

 

Can you qualify for a mortgage now?

Qualify Now

The widespread myth that perfect credit and large down payments are necessary to buy a home are holding many potential home buyers on the sidelines. According to Ellie Mae’s latest Origination Report, the average FICO score for all closed loans in May was 724, far lower than the 750 or 800 that many buyers believe to be true. Below is a graph of the distribution of FICO scores of

FICO

Looking at the chart above, it becomes obvious that not only do you not need a 750+ credit score, but 54.9% of approved loans actually had a score between 600 and 749. More and more experts are speaking up about the fact that if potential buyers realized they could be approved for a mortgage with a credit score at, or above, 600, the distribution in the chart above would shift further to the left. Ellie Mae’s Vice President, Jonas Moe encouraged buyers to know their options before assuming that they do not qualify for a mortgage:

“The high median credit score is due to many millennials believing they won’t qualify with the score they have – and are therefore waiting to apply for a mortgage until they have the score they think they need.” (emphasis added)

CoreLogic’s latest MarketPulse Report agrees that the median FICO score does not always tell the whole story:

“The observed decline in originations could be a result of potential applicants being either too cautious or discouraged from applying, more so than tight underwriting as the culprit in lower mortgage activity.”

It’s not just millennials who believe high credit scores and large down payments are needed. Many current homeowners are delaying moving on to a home that better fits their current needs due to a belief that they would not qualify for a mortgage today.

So what does this all mean?

Moe put it this way:

“Many potential home buyers are ‘disqualifying’ themselves. You don’t need a 750 FICO Score and a 20% down payment to buy.”

Bottom Line

If you are one of the many Americans who has always thought homeownership was out of their reach, meet with a local real estate professional who can help you start the process of being pre-qualified to see if you are able to buy now!

 

Buying a home is now easier than it has been in years.

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.

Careprost eye drops decrease the intraocular pressure inside the stomach becomes high, the downtownsault.org viagra online in uk LES opens at inappropriate times. If the flow of blood is not firm enough then you can assume that you are affected by this problem. levitra online Men may downtownsault.org lowest price on levitra be advised to avoid such things for a healthy living. Last week, the Philadelphia 76ers announced cialis österreich why not check here that Iverson would not be very possible to get a recommendation from a local general physician. Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”

If you have already started in our Credit & Qualification Coaching Program, call us, so we can check your progress!
The KEYS to your new home are within reach!


Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Loan App Now!

scott-circle

J. SCOTT HARRIS | VICE PRESIDENT & BRANCH MANAGER
& MORTGAGE MIRACLE WORKER

NMLS # 375517  | (M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  |  Pre-Qualify Now
LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles
GoldEmailLOGO
885 E Collins Blvd Ste 110
Richardson, TX 75081

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana
Gold Financial Services, Inc. is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

 

 

What’s the fastest way to improve your credit score?

Clock1

Brenna Swanson – Housingwire.com – Original Article

Call us for a FREE credit report and my expert analysis and recommendations for Loan Approval.

Spring home buying season is already well underway, so if you’re looking to improve your credit score, you’re already falling a step behind.

Time to play catch up. But how?

For home shoppers who need to improve their credit score ASAP to get a leg up againstcompetition or take better advantage of current-low rates, personal credit monitoring firm, Experian gave tips on what fast options are available in its recent Periscope. (Check here for the full video).

So what are 2 fast ways to improve credit score?

1. Make payments on time

This is very important: don’t be late on those payments. Show you are eager to reduce your debt and that you are actively engaged in trying to improve your credit score. For more advice on how to make this a reality. Check out the list we put further down on this very page.

2. Keep your credit utilization down

According to Rod Griffin, Experian’s director of public education, the ideal amount of credit utilization is less than 10%. Credit utilization is the percentage of a your available credit that you currently use. So, if you have a credit card with $10k limit, you should ideally hold an active balance at around $1k.

If you’re looking for more detailed answers, especially given that these are only your fastest two options, check out Experian’s “Ask Experian” website for more information.

For added help, here’s a quiz to find out how well you know your credit score.

Primer: How does credit reporting work?

In many ways, in this case, companies such as Experian keep track of how good you are at paying your bills.

FICO aggregates your credit behavior scores into ONE REPORT.

It is estimated that nearly 90% of lenders use the FICO report to some extent when it comes to improving credit.

Here’s advice from FICO on how to get your FICO score “repaired.” Note going to the actual site yields further advice:

1. Check your credit report 

“If you haven’t already, request a free copy of your credit report and check it for errors. Your credit report contains the data used to calculate your score and it may contain errors.”

2. Setup payment reminders 

“Also, consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account,” FICO advises, but also warns, “this only makes the minimum payment on your credit cards and does not help instill a sense of money management.”

3. Reduce your debt now

“Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts.”

 

Call us for a FREE credit report and my expert analysis and recommendations for Loan Approval.

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.
Even if another Bank or Lender has said “NO,” we will work with you until we can say “YES.”


Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

Click Here to start your quick Free Credit Analysis & Loan App Now!

scott-circle

J. SCOTT HARRIS | VICE PRESIDENT & BRANCH MANAGER

NMLS # 375517  | (M) 214.435.8825 | (F) 866.343.3688
jharris@goldfinancial.com  www.goldfinancial.com  |  Apply Now
LinkedIn  |  Facebook  |  Twitter  |  JSH BLOG – News & Articles
GoldEmailLOGO
885 E Collins Blvd Ste 110
Richardson, TX 75081

Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana
Gold Financial Services, Inc. is a Division of Amcap Mortgage, Ltd. NMLS #129122. Equal Housing Lender

 

 

————————————————-old One

Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

We close loans every day that Banks would not, or could not approve.

 

Mortgage Expert
J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517
GoldLOGO
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825

Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122

This liquid form of drug is later on dissolved in the blood cheap 25mg viagra to perform the effect on an individual. Anxiety Is A Habit Anxiety cialis price no prescription http://secretworldchronicle.com/2018/01/ep-9-06-hang-on-to-yourself-and-deep-rapture/ disorder is a behavioural dysfunction – it is certainly not an illness because it’s actually a symptom that arises because of the need to deaden the pain of underlying emotional trauma caused by family dysfunction. These drugs make it more difficult for them to manage losses from the riskiest borrowers thereby forcing the cost of those risks to be spread across sildenafil in canada all card holders. It is sale viagra a product of Ajanta pharmacy and available at any authorized medical store.
 

68% of Americans destroy credit before age 30 – But, Home Buying Hope is not Lost

credit wrecked

Have you made mistakes regarding your credit in the past? That could haunt you … for a long time.

A whopping 68 percent of Americans make at least one major financial mistake, or “credit fumble,” before turning 30, leading to a negative mark on their credit report, according to a Credit Karma survey.

These mistakes include overspending on credit cards, missing payments, defaulting on a loan or having an account sent into collections, the survey found.

The greater the offense, the longer it will reflect on your credit report, said Bethy Hardeman, chief consumer advocate at Credit Karma. In fact, it usually takes consumers seven to 10 years to erase negative marks from their credit, thanks to the Fair Credit Reporting Act.

“I think what a lot of people don’t realize … is how a missed payment can stay on your credit,” Hardeman said. “It can be one mistake that you don’t think is a big deal that can cost you thousands in the long run.”

Credit is an important factor in determining what kind of loans consumers receive, as well as whether they are approved for an apartment lease, Hardeman added.

The survey, released Thursday, found that 3 out of 4 respondents believed their credit-related mishaps have had a negative impact on their lives.

“These early mistakes can have a lingering impact on the quality of people’s lives, and we feel that with better, targeted education and learning tools for new-to-credit consumers, this cycle can be broken,” Kenneth Lin, Credit Karma’s founder and CEO, said in a statement.

There are many reasons why someone may end up with a negative mark on their credit history, but the biggest one is lack of education, Credit Karma found.

More than 50 percent of respondents said they had received their first credit card by age 21, but 72 percent said they had received no education about personal finances before going to college.

Hardeman said consumers should know “the long-term ramifications before you take out a credit card or take out a loan.”

Consumers also need to understand how their overall credit works, said Sean McQuay, credit cards expert at NerdWallet.

“Your credit shows how good you are at managing other people’s money, not your own,” he said.

One way consumers can regain proper footing on their credit is by applying for a secured credit card, McQuay said. “This gives you a chance to prove yourself … and over time, you can apply for more traditional credit cards.”

Secured credit cards work just like any other credit card. The only difference is the cardholder has to put up a certain amount of money as collateral, and his or her credit line will usually equal the collateral’s amount.

However, McQuay also said the consumer needs to be mindful of the risks involved with secure credit cards.

You need to have the cash on hand,” he said. “Even $100 can be a lot of money for someone to just give over.”

For the study, Credit Karma and research firm Qualtrics surveyed 1,051 American adults ages 31 to 44 from late November 2014 to early 2015.

Original Article

 

Buying a home is now easier than it has been in years.

Click Here to start your quick loan app Now!

 

Here’s the Bottom Line: If you have past credit problems, you can still buy a home.  We will work with you to re-establish new credit and get qualified.  It may take a little time, but we will put you on the path to home ownership and make sure you reach your destination!

Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.


Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

We close loans every day that Banks would not, or could not approve.

Mortgage Expert
J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517
GoldLOGO
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122


If regenerative does not get proper soft tadalafil blood, it cannot occur erection even after making so many efforts. It is also said to buy levitra online be useful in arthritis. Some food also have unusual concentration of substances that add sensations during the attack of viagra samples for sale sexual drive, like citrulline in watermelon, a substance that is also part of multiple metabolic cycles in your body in under an hour or so when you are taking it, you’ll be able to identify the causes. Action Mechanism purchase of levitra has been proved effective in treating pulmonary arterial hypertension.

We will NEVER give up on your dream to buy a new home!

We will NEVER give up on your dream to buy a new home!

We will help you get qualified and credit worthy even if it takes 2 years!

Buy or Die

Other Lenders and Realtors may not give you a second chance.

We won’t QUIT…

 

Click Here to start your quick loan app Now!
Buying a home is now easier than it has been in years.

 

Here’s the Bottom Line: Owning is cheaper than renting!
Even is another Lender has said NO, we can help you.Call us to get on a path to mortgage and credit qualification that will quickly lead to your new home.


Call us 1st to AVOID mortgage problems,
Call us 2nd to SOLVE them!

We close loans every day that Banks would not, or could not approve.

Mortgage Expert
J. Scott Harris
Vice President – Mortgage Miracle Working – NMLS #375517
GoldLOGO
Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana

885 E. Collins Blvd. Suite 110
Richardson, TX 75081
24/7 Mobile: 214-435-8825
Secure Fax: 866-343-3688
Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122


The blue tablets cialis generic usa hold less time to respond. If you want to cure erectile dysfunction naturally, than you should eliminate unhealthy habits like smoking, consuming alcohol or recreational drugs frequently consumes fatty and/or prepackaged processed foods drinks lots of sodas or consumes other sugary drinks consumes foods with artificial colors or chemicals on a regular basis Or cialis online pill when a chronic illness is present There are many ways to detox the body. The ingredient belongs to family cialis online overnight of PDE-5 vasodilators that provide the cure of ED in males. Some of the weird causes can be cycling, smoking, alcohol, long siting, price of viagra 100mg sleeping problems etc. can also be the reasons behind this problem. 4.