When I see a company that “specializes” in Credit Repair I cringe.  It’s painful to see those who promote their credit repair specialties and it makes me wonder, “Who’s buying into the snake oil and pixie dust we call credit repair?”  Well, a lot of people actually.  As a mortgage consultant who has lived through […]

What are closing costs? What are prepaids? Almost every borrower I speak with during the initial stages of buying a home or refinancing ask what their closing costs are going to be. When they ask this, I know they are really asking what their bottom line is. Most people are not familiar with the technicalities […]