What to do if you are a victim of identity theft What do you do if you are a victim of identity theft (ID)? If you are a victim of identity theft you should take immediate actions to protect yourself from the fraudster(s). Identity theft occurs when someone steals and uses your
Making Credit Work For You Do you want to make credit work for you? Credit is the ability to borrow money and repay it later. When people talk about having good or bad credit they are generally referring to their credit history or scores. Understanding how credit histories, reports, and scores work
Overview of Appraisal Waivers What is an appraisal waiver? Which homes get the appraisal waiver? The complexity of appraisal waiver includes a number of criteria and not all inclusive for this article. For the purpose of brevity and simplicity, the below contains a general overview of the process. In most cases, buying
Refinance Waiting Period What is the waiting period to refinance after previous refinancing or buying a new home? Imagine this scenario. You just refinance your home or just finished closing on the purchase of a new home. With mortgage rates strike record lows, you discover much lower mortgage rates to lower your
Benefits of Excellent Credit Scores Why is having a good credit score important when buying and financing a property? Costs and Options. Good credit scores serve as a pass into a world of VIP perks, superior products and opportunities. In many ways it is a measure of one’s creditworthiness based on past
Mortgage Application Checklist At HISE Financial Corporation, we believe the mortgage loan process should be as expeditiously and easy as possible. To expedite your loan and help you achieve your mortgage and financing goals, we are providing you with a mortgage checklist to help you prepared before applying for a loan. Here is a
Protecting Your Personal Finances Disaster Preparedness Plan: We live our daily life, and often times, we do not think too much about preparing for a disaster. The thought of a disaster is not pleasant to entertain, and because of this, some of us are unprepared. Life is not always predictable, and unfortunately, disaster exists
Mortgage Forbearance Need-to-Know COVID19 arrived in early 2020 and has adversely affected many of us financially and economically. For some of us, we struggle to make our monthly mortgage payments and sought for mortgage relief option such as mortgage forbearance. Thus, it is important to understand the pros and cons of this relief option.
Protecting Yourself Against Mortgage Fraud What exactly is mortgage fraud and how does it impact all of us? Mortgage fraud affects everyone, not just the victims. It affects our economy as a whole. When scammers defraud lenders, the legitimate consumer pays the price through increasing the cost of borrowing. It harms our communities by
