The Five Factors of Credit Scoring
Credit scores are comprised of 5 factors. Points are awarded for each component, and a high score is most favorable. There are three bureaus and each one may factor the scores slightly different. Occasionally you may find that some credit information is only reported to 1 or 2 bureaus, instead of all 3. This is […]
Have you found that you receive an influx of phone calls or letters in the mail right after you have applied for credit for a home loan or other types of credit? Are you wondering how to protect your privacy when applying for new credit. Did you know that the actual credit bureaus, Experian, Equifax […]
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We have just released a new home loan program specifically designed for people who are self-employed. The program allows us to qualify self-employed folks using bank statements instead of the previous year’s tax returns. We take a 12 month history of your deposits that show on your personal bank statements. We can also use more […]
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Think of interest rates and points on opposite ends of a scale. The more that you pay upfront, the higher the points, the higher the closing costs, the lower the interest rate that you would have over the life of the loan. Also vice versa, the fewer the points and fewer closing costs that you […]
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The most common method to straighten crooked teeth is to place metal braces on one’s teeth, as well as utilize rubber bands to help put our teeth into alignment. While this is a great way to fix crooked teeth, having a mouth full of metal does not always appeal to everyone. But luckily, Torrey Hills […]
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Dental veneers are one of the most popular types of cosmetic dentistry often requested. With veneers, a layer of thin, tooth-colored porcelain is placed on the surfaces of one’s teeth to correct, chips or cracks, uneven tooth alignment, spacing or worn tooth enamel. With dental veneers one can transform their smile, giving them a new […]
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What is the difference between a revocable and irrevocable trust? The answer to this may seem obvious. If your trust is revocable, it can be revoked, amended, or changed. If your trust is irrevocable, it cannot be revoked, and the terms within are absolute. What does this really mean? And why would you want an […]
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Posture is a window into the condition of the nervous system. It reveals how the body is adapting to stress. Common examples include uncorrected physical stresses for the birth process, childhood sports injuries, car accidents and even unresolved emotional pressures. As a result of these and other stresses, our bodies assume a defensive, protective posture. […]
Continue reading …When you purchase or refinance a home, the average escrow period runs around 30 to 45 days. During this period the lender is going through your loan application and verifying the information that was listed and provided to them. There are a few things that you should be aware of during this process: Be sure […]
Continue reading …Ever Wonder What Happens During a Home Loan Approval Process? There are many steps that go into the loan approval process when applying for a home loan. Below I will list out just some of the many steps a loan goes through from start to finish: First you make your application by providing the lender […]
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