Should you be putting more money towards your mortgage to pay it off early?  I get this question every single time I sit with a client to talk about a purchase or refinance of their home.  There are varying degrees of answers unique to each person, however, this will speak to the vast majority of people that feel like the key to their...

The Balance You Owe vs. Your Available Credit Lines - 30% impact on your credit score. Keeping your credit balances below 50% of your available limit is very important. Keeping your balances below 30% of your available credit is even better. This is perhaps the single most misunderstood part of credit scoring. There are a lot of misinformed...

Are you being penalized for paying your mortgage on time? Over the last couple of years that has been what I hear from several of the people that call me to refinance their current mortgages.  The sentiment is that they see people that fall behind or have other hardships be able to qualify for loan modifications where their mortgage...