Bad Credit Mortgages - VA - FHA - USDA

Bad Credit Mortgages - VA - FHA - USDA - Home Loans http://www.badcreditmortgagehelp.org/blog.php Sorry, We are not currently accepting new inquiries en-us Sun, 24 Jan 2010 08:06:26 -0700 Sun, 24 Jan 2010 08:06:26 -0700 http://blogs.law.harvard.edu/tech/rss RJ Baxter Colorado Mortgage Blog- New Blog! RJ Baxter Colorado Mortgage Blog- New Blog!   I have started a new blog where I will be doing all of my blogging moving forward.  Instead of having several blogs, the new blog will help centralize my posts.  This will give my subscribers more fresh content.   I encourage you to visit the new blog at this link and move your email subscription there:  RJ Baxter Colorado Mortgage   Thank you, RJ Baxter   http://www.badcreditmortgagehelp.org/blog.php?entry_id=1264089631&title=rj-baxter-colorado-mortgage-blog--new-blog Mortgage Options http://www.badcreditmortgagehelp.org/blog.php?entry_id=1264089631&title=rj-baxter-colorado-mortgage-blog--new-blog http://www.badcreditmortgagehelp.org/blog.php?entry_id=1264089631&title=rj-baxter-colorado-mortgage-blog--new-blog&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1264089631&title=rj-baxter-colorado-mortgage-blog--new-blog Thu, 21 Jan 2010 09:00:31 -0700 RJ Baxter's 3 First Time Home Buyer Mistakes and How to Avoid Them RJ Baxter of First Mortgage Corp , Evergreen, Colorado can help you achieve the  dream of home ownership- but don't go into the process blind.  Heed RJ Baxter 's advice and avoid these 3 common first time home buyer  mistakes. RJ Baxter 's Mistake #1:   Not employing the services of a Realtor. One of the most common mistakes I see is avoiding hiring a Realtor.  Many first time home buyers think that a Realtor is costly and ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1263595850&title=rj-baxter039s-3-first-time-home-buyer-mistakes-and-how-to-avoid-them First Time Homebuyers http://www.badcreditmortgagehelp.org/blog.php?entry_id=1263595850&title=rj-baxter039s-3-first-time-home-buyer-mistakes-and-how-to-avoid-them http://www.badcreditmortgagehelp.org/blog.php?entry_id=1263595850&title=rj-baxter039s-3-first-time-home-buyer-mistakes-and-how-to-avoid-them&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1263595850&title=rj-baxter039s-3-first-time-home-buyer-mistakes-and-how-to-avoid-them Fri, 15 Jan 2010 15:50:50 -0700 Welcome to Bad Credit Mortgage Help Bad Credit Mortgage Help has undergone some changes recently.  We are now up and running again with our new look.  I have been blogging at my other website, www.rjbaxter.com/blog.php for the past couple months and you can find some great information and articles there.  Also, be sure to check out home page for some credit home buying and credit repair tips! http://www.badcreditmortgagehelp.org/blog.php?entry_id=1197479228&title=welcome-to-bad-credit-mortgage-help Mortgage Concepts http://www.badcreditmortgagehelp.org/blog.php?entry_id=1197479228&title=welcome-to-bad-credit-mortgage-help http://www.badcreditmortgagehelp.org/blog.php?entry_id=1197479228&title=welcome-to-bad-credit-mortgage-help&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1197479228&title=welcome-to-bad-credit-mortgage-help Mon, 20 Jul 2009 07:24:33 -0700 Credit Card Accountability, Responsibility, and Disclosure Act On Friday, May 22nd, the government passed sweeping reforms of the credit card industry.  The bill, commonly called "CARD," is designed to clamp down on the ways in which credit card companies can charge consumers, bump up rates, and how they must disclose terms.    Although the law is designed to protect consumers, the end effect may be to hurt consumers.  Credit card companies have relied on income streams to the tune of billions ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1246642673&title=credit-card-accountability-responsibility-and-disclosure-act Credit Repair http://www.badcreditmortgagehelp.org/blog.php?entry_id=1246642673&title=credit-card-accountability-responsibility-and-disclosure-act http://www.badcreditmortgagehelp.org/blog.php?entry_id=1246642673&title=credit-card-accountability-responsibility-and-disclosure-act&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1246642673&title=credit-card-accountability-responsibility-and-disclosure-act Fri, 03 Jul 2009 10:37:53 -0700 Rapid Rescore Not Accepted By Most Lenders A Rapid Rescore is a product offered by credit reporting companies that enables someone to make quick changes to their credit report and then generate a new credit score based on the changes.  A great idea, yes, but the problem is that in today's market of tight credit, most lenders will not consider a fico score generated by a Rapid Rescore model.   Why is this?  If the information is updated, then wouldn't the new ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1246292385&title=rapid-rescore-not-accepted-by-most-lenders Credit Repair http://www.badcreditmortgagehelp.org/blog.php?entry_id=1246292385&title=rapid-rescore-not-accepted-by-most-lenders http://www.badcreditmortgagehelp.org/blog.php?entry_id=1246292385&title=rapid-rescore-not-accepted-by-most-lenders&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1246292385&title=rapid-rescore-not-accepted-by-most-lenders Mon, 29 Jun 2009 09:19:45 -0700 Mortgage Rates Rise Don't look now, mortgage rates have risen to the highest level we have seen since last fall.  Rates are still excellent, however, and sit now in the mid-5%'s.    The rise in rates may derail the recovery of the housing market which has been showing signs of life in recent weeks.  The key is whether or not potential home buyers decide to continue with their plans to buy a home or pull back with ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1244204315&title=mortgage-rates-rise Market Commentary http://www.badcreditmortgagehelp.org/blog.php?entry_id=1244204315&title=mortgage-rates-rise http://www.badcreditmortgagehelp.org/blog.php?entry_id=1244204315&title=mortgage-rates-rise&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1244204315&title=mortgage-rates-rise Fri, 05 Jun 2009 05:18:35 -0700 FHA and VA Rates Staying Low FHA Mortgage Rates and VA Mortgage Rates are staying low- for now.    The threat of impending inflation is looming which has spooked the markets and led to sell-off of bonds over the past week, driving mortgage rates up.  However, bonds are making a rebound today and there are rumors that the government could make another effort to push rates down.   If this does happen, it would be a good idea to take ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1243624029&title=fha-and-va-rates-staying-low Market Commentary http://www.badcreditmortgagehelp.org/blog.php?entry_id=1243624029&title=fha-and-va-rates-staying-low http://www.badcreditmortgagehelp.org/blog.php?entry_id=1243624029&title=fha-and-va-rates-staying-low&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1243624029&title=fha-and-va-rates-staying-low Fri, 29 May 2009 12:07:09 -0700 USDA Rural Housing Program Still Going Strong The USDA Rural Housing Program is one of the longest-running government backed mortgage programs in existence today.  And the great thing about it is that little has changed in recent years with the program despite all of the tightening we have seen in the credit markets.   The Colorado USDA Rural Housing Loan and Nationwide USDA Rural Housing Loan offers Low Mortgage Rates, 100% financing, and you can even finance improvements up to the value ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1242491493&title=usda-rural-housing-program-still-going-strong Mortgage Options http://www.badcreditmortgagehelp.org/blog.php?entry_id=1242491493&title=usda-rural-housing-program-still-going-strong http://www.badcreditmortgagehelp.org/blog.php?entry_id=1242491493&title=usda-rural-housing-program-still-going-strong&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1242491493&title=usda-rural-housing-program-still-going-strong Sat, 16 May 2009 09:31:33 -0700 FHA Streamline Refinance The FHA Streamline Refinance program continues to be an incredible program for the credit-challenged to lower their FHA Mortgage Rate and payment.  The Colorado FHA Streamline Refinance can also help lower your Colorado FHA Mortgage Rate .   The FHA Streamline Refinance program does not require a credit check or appraisal, you only have to have been on time with your mortgage payments for the past 12 months and have a job.   You must have ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1242060111&title=fha-streamline-refinance Mortgage Options http://www.badcreditmortgagehelp.org/blog.php?entry_id=1242060111&title=fha-streamline-refinance http://www.badcreditmortgagehelp.org/blog.php?entry_id=1242060111&title=fha-streamline-refinance&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1242060111&title=fha-streamline-refinance Mon, 11 May 2009 09:41:51 -0700 Guest Authors Wanted Bad Credit Mortgage Help is seeking guest authors to contribute to this blog.  If you are an expert in an industry related to Bad Credit and/or Real Estate and would like to be a contributor to this blog, email us at info@badcreditmortgagehelp.org .   Bad Credit Mortgage Help receives over 1200 search engine hits per month as well as several hundred additional hits from inbound links every month.   Increase your exposure and your website search engine ranking ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1241706575&title=guest-authors-wanted Mortgage Options http://www.badcreditmortgagehelp.org/blog.php?entry_id=1241706575&title=guest-authors-wanted http://www.badcreditmortgagehelp.org/blog.php?entry_id=1241706575&title=guest-authors-wanted&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1241706575&title=guest-authors-wanted Thu, 07 May 2009 07:29:35 -0700 More Lenders Go To 620 Minimum Credit Score More and more lenders are now requiring a 620 minimum credit score for any type of transaction.  This is up from the 580 minimums we saw just a couple months ago.    This means that even if you are trying to qualify for a VA IRRRL , FHA Streamline Refinance , or Colorado Refinance , you will need to have a 620 credit score.   We do still have some lenders who will look at cases with ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1241624428&title=more-lenders-go-to-620-minimum-credit-score Mortgage Concepts http://www.badcreditmortgagehelp.org/blog.php?entry_id=1241624428&title=more-lenders-go-to-620-minimum-credit-score http://www.badcreditmortgagehelp.org/blog.php?entry_id=1241624428&title=more-lenders-go-to-620-minimum-credit-score&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1241624428&title=more-lenders-go-to-620-minimum-credit-score Wed, 06 May 2009 08:40:28 -0700 Hope for Homeowners- Little Hope? The Hope for Homeowners program, part of the government bailout bill passed recently, was designed to help struggling homeowners avoid foreclosure.  It was especially supposed to help those who were over-mortgaged on their homes to reduce the principal balance of their mortgage to reflect market home values.   The problem is, at least so far, that the program isn't working.   To date, less than 100 people have qualified for the program, nationwide.  The problem ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1225215086&title=hope-for-homeowners--little-hope Housing Bubble http://www.badcreditmortgagehelp.org/blog.php?entry_id=1225215086&title=hope-for-homeowners--little-hope http://www.badcreditmortgagehelp.org/blog.php?entry_id=1225215086&title=hope-for-homeowners--little-hope&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1225215086&title=hope-for-homeowners--little-hope Tue, 28 Oct 2008 10:31:26 -0700 Bailout: Help for Homeowners? The recent announcement of the Fed's bailout of financial institutions will not be a cure-all, and we have seen that as the stock market has plunged since the announcement.  However, the bailout package does give some hope to strapped homeowners who are overmortgaged on their homes.   If you owe more on your home than it's worth, now is the time to call you lender to try to negotiate a "modification."  A modification means that ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1223478914&title=bailout-help-for-homeowners Housing Bubble http://www.badcreditmortgagehelp.org/blog.php?entry_id=1223478914&title=bailout-help-for-homeowners http://www.badcreditmortgagehelp.org/blog.php?entry_id=1223478914&title=bailout-help-for-homeowners&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1223478914&title=bailout-help-for-homeowners Wed, 08 Oct 2008 08:15:14 -0700 Rates down on Fannie/Freddie News The big news over the weekend was the government bailout of Fannie Mae and Freddie Mac, the mortgage giants who back over 50% of the nation's mortgages.  The bailout is likely to have a positive effect on the housing market, but how is it affecting mortgage rates?   Well, the short answer is- rates are down, and sharply.  We have not seen rates at this level since this past spring, when 30 year fixed rates ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1220885540&title=rates-down-on-fanniefreddie-news First Time Homebuyers http://www.badcreditmortgagehelp.org/blog.php?entry_id=1220885540&title=rates-down-on-fanniefreddie-news http://www.badcreditmortgagehelp.org/blog.php?entry_id=1220885540&title=rates-down-on-fanniefreddie-news&action=rss 1 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1220885540&title=rates-down-on-fanniefreddie-news Wed, 10 Sep 2008 08:39:29 -0700 Mortgage Late Payments- Can You Qualify? OK, so you're human.  Sometimes money is tight and you just can't make ends meet.  So you were late on your mortgage payment a couple of times.   Now it has come time to buy another home.  The inevitable credit pull is looming.  Can you qualify with those late mortgage payments on your record?   If you are worried about this, you aren't the only one.  With foreclosures and mortgage delinquency at historic highs, many ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219940233&title=mortgage-late-payments--can-you-qualify Market Commentary http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219940233&title=mortgage-late-payments--can-you-qualify http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219940233&title=mortgage-late-payments--can-you-qualify&action=rss 2 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219940233&title=mortgage-late-payments--can-you-qualify Thu, 28 Aug 2008 09:17:13 -0700 Live Bad Credit Mortgage Help! Have questions about mortgage financing with bad credit?  Then utilize our live help chat line!    Just click the icon in the upper-right corner of this blog and you will be connected with one of our experienced loan officers.  If we aren't online, you can still utilize this tool.  If not online, we will receive your question by email and will respond promptly.   Please consider us a resource! http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219320241&title=live-bad-credit-mortgage-help Market Commentary http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219320241&title=live-bad-credit-mortgage-help http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219320241&title=live-bad-credit-mortgage-help&action=rss 1 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219320241&title=live-bad-credit-mortgage-help Thu, 21 Aug 2008 05:04:01 -0700 The Truth About the New $7500 Tax Credit You may have heard about the new $7500 tax credit available to first time homebuyers under the new Hope For Homeowners plan that the government recently passed.    On the surface, this seems like a great program, and it is as long as consumers understand it.  The $7500 is a credit, not a deduction, which means you file for the credit as part of your 2008 tax returns, and will receive a check for ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219270459&title=the-truth-about-the-new-7500-tax-credit Credit Repair http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219270459&title=the-truth-about-the-new-7500-tax-credit http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219270459&title=the-truth-about-the-new-7500-tax-credit&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219270459&title=the-truth-about-the-new-7500-tax-credit Wed, 20 Aug 2008 15:14:19 -0700 Down Payment Assistance: Act Now! As part of the new HR 3221 Hope for Homeowners bill passed recently by congress, down payment assistance programs will be going away October 1st.   Down payment assistance programs have been used for years to help millions of families buy a home who could not afford to save the 3% down payment required by FHA.    However, because of higher delinquency rates for FHA mortgaged homes with borrowers who used down payment assistance, ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219145420&title=down-payment-assistance-act-now Mortgage Options http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219145420&title=down-payment-assistance-act-now http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219145420&title=down-payment-assistance-act-now&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1219145420&title=down-payment-assistance-act-now Wed, 20 Aug 2008 15:05:28 -0700 VA Home Loan Help Our partner website, VA Home Loan Help , has been launced!  VA Home Loan Help has been created to service the unique needs of active and retired military seeking VA home loans and VA mortgage information.   Check it out! http://www.badcreditmortgagehelp.org/blog.php?entry_id=1218720428&title=va-home-loan-help Market Commentary http://www.badcreditmortgagehelp.org/blog.php?entry_id=1218720428&title=va-home-loan-help http://www.badcreditmortgagehelp.org/blog.php?entry_id=1218720428&title=va-home-loan-help&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1218720428&title=va-home-loan-help Thu, 14 Aug 2008 06:27:08 -0700 Mortgage Rates Still Excellent Despite the continured threat of higher inflation, mortgage rates remain great in August.  There has been quite a bit of market fluctuation the past week.  Rates appeared poised to go up significantly last week after the FOMC meeting and policy statement, but rebounded and are now at about the same levels as before the meeting.   Today's Mortgage Rates   If you have been on the sidelines waiting for rates to go down further, this may ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1218564321&title=mortgage-rates-still-excellent First Time Homebuyers http://www.badcreditmortgagehelp.org/blog.php?entry_id=1218564321&title=mortgage-rates-still-excellent http://www.badcreditmortgagehelp.org/blog.php?entry_id=1218564321&title=mortgage-rates-still-excellent&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1218564321&title=mortgage-rates-still-excellent Tue, 12 Aug 2008 11:05:21 -0700 Powerful Credit Report Analysis Tool Need to raise your credit score to qualify for a mortgage?   Before now, the formula on how to do it and do it quickly was a mystery.  But now, thanks to the Credit Xpert tool available to Bad Credit Mortgage Help clients, we can help you analyze your credit report and discover ways to increase your credit score fast.   The Credit Xpert tool will analyze your credit report for either a rapid rescore ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1217616818&title=powerful-credit-report-analysis-tool Mortgage Concepts http://www.badcreditmortgagehelp.org/blog.php?entry_id=1217616818&title=powerful-credit-report-analysis-tool http://www.badcreditmortgagehelp.org/blog.php?entry_id=1217616818&title=powerful-credit-report-analysis-tool&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1217616818&title=powerful-credit-report-analysis-tool Fri, 01 Aug 2008 11:53:38 -0700 Help Save Down Payment Assistance! Down payment assistance programs have help millions of Americans acheive the dream of home ownership.  However, the new housing rescue bill that is set to become law on October 1st will do away with all private down payment assistance programs, effectively ending the dream of home ownership for millions of Americans who need this program in order to buy a home.   We need your help!   If you want to buy a home, but ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1217470045&title=help-save-down-payment-assistance Credit Repair http://www.badcreditmortgagehelp.org/blog.php?entry_id=1217470045&title=help-save-down-payment-assistance http://www.badcreditmortgagehelp.org/blog.php?entry_id=1217470045&title=help-save-down-payment-assistance&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1217470045&title=help-save-down-payment-assistance Wed, 30 Jul 2008 19:07:25 -0700 HR 5830 Update HR 5830 appears to be headed to law as soon as next week, as the bill has passed through Congress and now must be signed by the President.  The bill will ideally help homeowners bail out of bad loans and negative equity situations.  It still remains unclear as to what format the final law will take and who the proposed government-backed programs will help.   To be alerted as to when this law can help you, ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216909639&title=hr-5830-update Credit Repair http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216909639&title=hr-5830-update http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216909639&title=hr-5830-update&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216909639&title=hr-5830-update Thu, 24 Jul 2008 07:27:19 -0700 Employment Requirements for a Mortgage If you are seeking to obtain a mortgage, one of the most important things that lenders will be looking at is your employment.   Both history and probably of continued employment are critical in order to qualify.   Generally speaking, lenders want to see a 2 year history in the same line of work.  You can have different jobs within that same field, but a history of 2 years in that field is desired.  If ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216824749&title=employment-requirements-for-a-mortgage Housing Bubble http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216824749&title=employment-requirements-for-a-mortgage http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216824749&title=employment-requirements-for-a-mortgage&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216824749&title=employment-requirements-for-a-mortgage Wed, 23 Jul 2008 07:52:29 -0700 Down Payment Assistance Going Away? Hundreds of thousands of home owners, especially first time home buyers, have used down payment assistance programs to help them get into homes with little cash out of their pockets.  Despite the fact that these programs have helped so many people become home owners, the US government is trying to do away with them.   Citing the fact that deliquency rates are 3 times the rate for homeowners who invest their own money into a ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216739608&title=down-payment-assistance-going-away Mortgage Options http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216739608&title=down-payment-assistance-going-away http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216739608&title=down-payment-assistance-going-away&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1216739608&title=down-payment-assistance-going-away Tue, 22 Jul 2008 08:13:28 -0700 Refi Opportunity Ahead If you missed out on the last refinance opportunity in March this year, don't worry because another opportunity could be in store for next week.  Weak economic data including the worst consumer confidence numbers in 26 years, is leading to lower rates today, and the trend could continue into next week.   The technical patterns we are seeing are similar to what happened prior to the last two dips in mortgage rates.  Many of our ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1210950245&title=refi-opportunity-ahead Market Commentary http://www.badcreditmortgagehelp.org/blog.php?entry_id=1210950245&title=refi-opportunity-ahead http://www.badcreditmortgagehelp.org/blog.php?entry_id=1210950245&title=refi-opportunity-ahead&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1210950245&title=refi-opportunity-ahead Fri, 16 May 2008 08:04:05 -0700 High Foreclosure Rates to Continue to 2009? There are many reasons why foreclosure rates have skyrocketed over the past year.    The most common culprit has been decreasing home values that have put many home owners in a position where they owe more on their homes than the home is worth.  Faced with an ARM mortgage that is adjusting upward in payment to the point where they can't afford the payment, home owners in this position have no choice but to foreclose ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1210816439&title=high-foreclosure-rates-to-continue-to-2009 First Time Homebuyers http://www.badcreditmortgagehelp.org/blog.php?entry_id=1210816439&title=high-foreclosure-rates-to-continue-to-2009 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1210816439&title=high-foreclosure-rates-to-continue-to-2009&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1210816439&title=high-foreclosure-rates-to-continue-to-2009 Wed, 14 May 2008 18:53:59 -0700 Overmortgaged? HR 5830 is Here to Help! If you are one of the millions of Americans nationwide who are in trouble due to the current housing crisis because you owe more on your mortgage than your home is worth, help is on it's way!   HR 5830 is a new bill being voted on in congress this month.  The legislation will help home owners who are overmortgaged refinance into a low fixed rate mortgage in order to save them from foreclosure.  ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209748470&title=overmortgaged--hr-5830-is-here-to-help Credit Repair http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209748470&title=overmortgaged--hr-5830-is-here-to-help http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209748470&title=overmortgaged--hr-5830-is-here-to-help&action=rss 1 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209748470&title=overmortgaged--hr-5830-is-here-to-help Fri, 02 May 2008 10:14:30 -0700 New FICO Scoring Model A new credit scoring model by Fair Isaac Corp (FICO), the most popular and widely used credit scoring system, will be rolled out soon in an effort to more accurately portray consumers likelihood of repaying debts.   The model will downplay the significance of occasional derogatory items for consumers with an otherwise clean history, but will penalize repeat offenders more harshly.  Also, the new scoring system will give more points to consumers with a good ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209485463&title=new-fico-scoring-model Mortgage Concepts http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209485463&title=new-fico-scoring-model http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209485463&title=new-fico-scoring-model&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209485463&title=new-fico-scoring-model Tue, 29 Apr 2008 09:11:03 -0700 NO Credit History? Get a Mortgage Anyway! Do you have no credit history whatsoever?    Your credit isn't bad- it just doesn't exist.  You don't believe in credit cards, auto loans, student loans, or any other kind of debt.  If you don't have the money, you don't buy it!   This is not a bad way to live.  You are assured to not go into debt and get into a bad position.    However, now you want to buy a ... http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209294436&title=no-credit-history--get-a-mortgage-anyway Housing Bubble http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209294436&title=no-credit-history--get-a-mortgage-anyway http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209294436&title=no-credit-history--get-a-mortgage-anyway&action=rss 0 http://www.badcreditmortgagehelp.org/blog.php?entry_id=1209294436&title=no-credit-history--get-a-mortgage-anyway Sun, 27 Apr 2008 04:07:16 -0700