Recent Article about importance of your credit when trying to get a new job!! Enjoy, Carlos Samaniego www.CarlosSamaniego.com August 7, 2009 Another Hurdle for the Jobless: Credit Inquiries By JONATHAN D. GLATER Digging out of debt keeps getting harder for the unemployed as more companies use detailed credit checks to screen job prospects. Out of…
As many of you know I conduct workshops and bootcamps on regular basis here in the Inland Empire, and throughout the country. Normally, at my my workshops, I give all my clients free 20 minute consultation. Couple days, ago, I get a phone call from someone name Oscar (to protect his identity, I just give…
Just wanted to make a brief correction on my last post. Our Credit and Debt Bootcamp will be held on Saturday, August 15, 2009 from 12-4pm. "Credit and Debt Boot Camp"Saturday, August 18, 2009 De Anza Community Center 1405 S. Fern Ave, Ontario, CA For More Details vist our website and Register at BootCamp Information…
This morning I was preparing for my next “Credit/1st Time Home Buyer Worksho” at the City of Ontario on Thursday, I came upon this great article in the New York Times about what I have been experiencing for last 6 months. Banks are just making it harder and harder to qualify for loan, even with…
As many of you know I have been training with CERT (Civilian Emergency Response Team). One of the most important thing any family can do is have a 72 hour emergency pack ready in case of any disaster, emergency, anything. Locally, we all know that we can have an earthquake at any given time! Sometimes,…
“DON’T TOUCH THAT DIAL.”That familiar broadcasting statement certainly applied to the markets last week, as the volatility continued and the markets changed direction quickly. Take a look at the chart below, which shows how home loan rates have climbed dramatically over the last several weeks. In fact, home loan rates are at their highest levels…
That is right! Interest Rates have jumped over 1.122% in last 10 days! Do you want to know why? Well my good friend, John Yang posted the article below this morning on facebook, and I thought I love to share it with you! Great Job, John! -Carlos (909)512-6418 ——————————————– Since Memorial Day, conforming mortgage rates…
This update from Mortgagee Letter 2009-15 establishes guidelines for use of the first-time home buyer tax credit as settlement funds.Here are the 10 things you need to know about these guides: 1.The IRS tax credit refund can be made only to the taxpayer and not a third party.2. Government agencies may offer tax credit advances…
Okay, Okay…. stop the phones! We’ve been receiving calls all day about the “announced” monitization of the $8000 first-time homebuyer tax credit. “Where’s the ML?” Well, there ISN’T one yet… HUD Secretary Donovan appeared at a NAR function earlier today, and this is an exact excerpt of his remarks: “We all want to enable FHA…
Great Article, by one of my favorite websit Credit.com A new FICO report on credit data from the second half of 2008, revealed that 16% of the US population had some reduction in their credit card limits. A majority of these consumers didn't have any late payments, collection accounts or other negative records to trigger…