Melanie's Blog

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Mortgage and Lending - Universal Mortgage Mart, LLC
RECENT BLOG POSTS
The mortgage industry has went through vast changes over the past 6 months. So I wanted to write a series of valuable posts to help consumers. I would always suggest waiting and pre-paring your credit to either obtain a goverment loan such as FHA or VA. There are also programs which allow certain...
03/30/2008
I think we are all a little puzzled over what the housing market will be like this year. However, people need homes and there are plenty of them out there to choose from. When you are looking to buy make sure you understand how this process works. An item of importance is making sure you are qual...
03/30/2008
Keeping track of your credit report and verifying it's accuracy is very important when obtaining credit. I personally use and endorse http://www.freecreditreport.com/You will be mailed a letter when new inquiries happen and see exactly what is on your report without hurting your credit score. I m...
03/30/2008
People all over the country are investing in real estate. There are so many ways you can do this. Since I finance investment properties I am going to post a few idea's that have made investors I deal with successful. I am also going to outline a few ins and outs of investing to help you grasp it ...
03/30/2008
This topic is a growing trend today. With the mortgage market struggling due to defaults on mortgage loans and unavailability of several loan programs there has been an increase in Foreclosures. I want to take a minute and explain what each phrase means. I will discuss each in the order of occurr...
03/30/2008
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There are several ways to renovate your own home or buy a home and renovate it. The first thing I would do is check with your city and county area developement division. They have federal, state, and city grants available. Usually these grants are no payments and no interest. Find out everything ...
03/30/2008
With the current market conditions you usually hear about the negative when you check the news. But, what you do not hear is the positives.By now you are probably aware that their have been vast changes in the ways mortgage lenders are able to help you buy a home. In the past their was a plethora...
03/30/2008
Well, we all hear several versions of what, when, and why about this whole mess in America. I am going to take some time and write a long post to try and give you an opinion from a loan officer and some information to help you understand. Let me start by saying this is a very vague and easy to un...
03/30/2008
Yes! The market is saturated with homes for sale plus the interest rates are very low. When supply exceeds demand sellers try to cut prices to sell fast. The interest rates are so low that if you refinanced in the last 4 years you may see an interest break and save some money!Come Visit Us On The...
03/30/2008
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So, are you ready to see what happens when the new method is released on calculating credit scores? They anticipate a release around March but there is much debate going on about how exactly this will unveil. It is supposed to be better at identifying low and high risk consumers for the financial...
03/30/2008
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Melanie Rogers

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