I have been maintaining my bank account with bank "A" from past 8 years and having been maintaining it with good stand. I have a good fico and 20% down payment and wante to buy a home. I wanted to shop for the best mortgage banks which can lend me loan for my home with [...]

I have bought and sold 1 home and currently own a home. My wife and I use credit card for as many purchases to gain cash back as we can but pay off at end of month. Bills are always paid on time. Some "old dogs" credit cards still appear open on my credit report [...]

I am currently looking for a new 2 or 3 year fixed rate mortgage deal. My previous deal of 4.65% expires at 1st Dec. (This is with the Alliance and Leicester ). The best deal I can find is a 5.87% deal with the same lender but there is a £599 product fee , a [...]

To be honest, the current accepted truth in the US is that a higher credit score will automatically get you a better rate. Unfortunately it’s not all true. It goes more the other way, a lower credit score will get you a higher rate. 750 is a great score. Your rate would not, at most [...]

I am not sure whether to refinance with debt consolidation, cash out or a home equity loan or line of credit. Hi there, I hope yo havent conta ted the gentleman that seems to live overseas, and doesnt really have the concept of the english language down pact yet… Probably not your best bet… Looks [...]

I have a friend who is buying a house. He is trying to get the best rate. There are mortgage brokers that are offering a rate that is 0.125% better than the banks. Right now, that is around 6.25% for a 30 year loan at 80% financing. Are mortgage brokers the best deal? Thanks. I [...]