Tony D. Howell's (tonydhowell) Blog

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Mortgage and Lending - The best place EVER!
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So I posted this last night, but I think it was a bad time.  Let's try again... Last weekend I was helping a friend clean out the attic in a house he bought to flip.  While checking the joists for termites and rot, we found something under the insulation. What we found was this:A JC Penney catalo...
03/20/2008
Last weekend I was helping a friend clean out the attic in a house he bought to flip.  While checking the joists for termites and rot, we found something under the insulation. What we found was this:A JC Penney catalog from 1977. It's not often blog fodder just falls in my lap, but holy hell this...
03/19/2008
OMG!! This is just horrible! Maybe somebody could fix them up with a loan? Child Bankrupts Make-A-Wish Foundation
02/06/2008
When you receive your Credit Report from your mortgage lender or bank, take a closer look at the information codes and ask what they mean. Below are some basic pointers about the factors used and how they are viewed by lenders.   What Is Credit Scoring?Credit scoring is the process of evaluating ...
01/17/2008
 If you've seen any news on mortgages lately, you already know that the mighty Countrywide has been feeling the pressure from the mortgage meltdown.  Today the deal was struck with Bank of America to purchase Countrywide.  From what I've been reading it looks as if they will keep the name and ope...
01/11/2008
Here are a few recipes for holiday drinks.  I found these somewhere (I forgot where), but I thought I would share anyway!  Merry Christmas all!!!! Homemade Eggnog6 egg yolks½ pound superfine Sugar½ quart milk½ quart heavy cream1 tablespoon vanilla¼ teaspoon ground nutmeg½ teaspoon ground cinnamon...
12/21/2007
I was given a bit of advice from a friend who had a bankruptcy removed from his credit report on his own without paying anyone a dime.  The idea is very simple.  He found out that after a certain number of years, the county moves it's records from a paper file to microfiche.  (In his case, it was...
12/12/2007
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                                OK, so I know there are plenty of people out there with more, but I just hit 20,000 points and I thought that it was pretty darn cool!  I never thought I would see even 10K when I first got started on here, but wow...I'm just amazed!  I've learned a lot and hope to...
08/13/2007
Just a recap of what's changing this past week.  If you have some deals going on, these changes could affect you.Bear Stearns changed their product offerings on Friday. They suspended "No Ratio", NIVA, and "No Doc", all second home and investment loans, and their "No MI" programs.Citi (at the ris...
08/13/2007
You've seen this game on every table at every one of the Cracker Barrel Old Country Stores.  I don't know the actual name for this little thing but it's a triangular piece of wood with 15 holes and 14 golf tees that is designed to frustrate and make us all fell like morons.                       ...
08/12/2007
Rainer
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