Well that depends on how you handle the news. You must not allow this to be a surprise, unless of course you want this relationship to become “hell on earth”.  Imagine finding out the day after having slipped on that ring that your spouse is on the hook for a mortgage that you both cannot [...]

As a credit restoration business, we are often amazed that people have no clue what their credit profile looks like until they get turned down for a loan. They have no idea as to why a clean credit history and high scores are necessary. Let’s take a minute to see what one has to lose [...]

Are you in a large amount of debt? Do you struggle under a burden of debt you find completely overwhelming to look in the eye? If you’re going to reach an enviable level of financial success, and if you’re going to relieve the feelings of stress associated with owingmore than you earn, then you need [...]

Identity theft is not a new problem.  It has been around for decades and was first identified as a crime back in 1964.  It is a form of fraud using somebody else’s identity, usually to access resources, credit or benefits by victimizing an individual’s reputation.  Identity theft victims usually do not know how there personal information was obtained [...]

If you considering buying a home for the first time, there are a lot of things to consider before you make the plunge. Buying a home is usually the biggest investment you will make, and you owe it to yourself to find out about and evaluate all of the opportunities and risks you will be [...]

If you have a sub-prime adjustable rate mortgage and are behind in your payments or fear that you may have trouble when your ARM resets, there are a number of public and private resources that can help you get through the crisis with your home. Your Mortgage Lender The company that holds your mortgage is [...]

If you are having trouble paying your mortgage or you think that you may run into difficulties in the near future, there are some steps you can take to get on more stable ground: • Find out if you can refinance your ARM to a fixed-rate mortgage. If you have a sub-prime ARM, don’t worry. [...]

During the last part of the housing boom, many of the sub-prime mortgage loans were adjustable rate mortgages, or ARMs. ARMs are attractive because the interest rate and therefore the payments are very low in the beginning. However, the rates on ARMs reset at a given time, usually between two and five years, and the [...]