To Register For Our First Time Homebuyer and Credit Restoration Seminar on July 29 2017 Click Here

LATEST BLOGS

 

4 Surefire Strategies To Win A Bidding War For Your Home In A Hot Housing Market
23 June
5 Skill Sets To Look For In A  Financial Counselor
22 June

5 Skill Sets To Look For In A Financial Counselor

A Financial Counselor is someone who can help educate clients on how to efficiently organize their unmanageable finances. The best financial counselors are ones who can review a client’s debt history and savings and make proposals on how to create a balance between their  assets and liabilities. Here are five…

Planning To Sell Your Home?
21 June

Planning To Sell Your Home?

Tips On How To Choose A Good Listing Agent After you decide to sell your home, the next step to help you close the deal successfully is to find a good listing agent. The job of the listing agent is to provide you with a superior and comprehensive marketing plan…

Are You Planning To Buy Your Dream Home?
16 June

Are You Planning To Buy Your Dream Home?

Here Are 4 Things A Home Buyer Should Never Compromise On! Buying a new home is an exciting yet tedious job. It is exciting because it can take years to accumulate sufficient funds, yet it is also one of the most important financial decisions in a buyer’s life. With that…

Want To Save On Moving Costs?
15 June

Want To Save On Moving Costs?

Here Are 7 Straightforward Ways To Trim Your Moving Costs Whether you are heading across town or down the street or country, moving can be a pain. The idea of moving makes us consider the high transportation costs, the packing supply costs, and just the hassle of moving your things.…

Mortgage Payments vs Rent Payments
09 June

Mortgage Payments vs Rent Payments

The rent versus buy debate is a hot topic these days. If you are on the fence about whether to buy, having a clear understanding of mortgage payments and rent payments can point you in the right direction. It is not uncommon that your mortgage payments can be lower than…

How To Save For A Down Payment On A House
08 June

How To Save For A Down Payment On A House

Tips On How To Save For Your First Down Payment On A House If you thinking about purchasing a home in the near future, you need to start planning and thinking ahead! Saving for a new home is not an easy task and can become difficult as there are many…

What Should You Do If You Fall Behind On Your Mortgage Payments?
06 June

What Should You Do If You Fall Behind On Your Mortgage Payments?

There are many reasons why you could fall behind on your monthly mortgage payments. The reason may not always be that you borrowed more than you could actually afford.  Many situations happen when a predicted budget spins out of control for circumstances such as a lost job, a major illness,…

3 Things That Can Delay Your Home Buying Process
01 June

3 Things That Can Delay Your Home Buying Process

The home buying closing process is full of paperwork, contracts, checklists, and market changes  which a home buyer must understand.  Sometimes buyers and their agents receive relief by obtaining approvals however, they forget that there is a lot more to the process . Here is a list of Prior-to-Closing conditions …

A Guide On Using Debt Payoff Calculator
31 May

A Guide On Using Debt Payoff Calculator

What Is A Debt Payoff Calculator? Worried about paying off your loan and in need of financial assistance concerning a debt payment plan? Don’t worry! Debt Payoff Calculator is here to help! The debt payoff calculator will tell you how much you need to pay each month, and will assist…

Short Sale: Avoiding Foreclosure Is Possible!
30 May

Short Sale: Avoiding Foreclosure Is Possible!

Short Sale Assistance Know Your Options Do you currently owe more than the value of your home? Are you facing the possibility of bankruptcy or foreclosure? Before you give up, learn what options you have and why a short sale may be right for you. What is a short sale?…

Hardship Letters
26 May

Hardship Letters

What Are They and When Are They Needed? You are currently in foreclosure and you have submitted a loan modification, short sale, or deed in lieu package to the bank. Your lender sends you a list of documents pertaining to your program and you notice in that they requested a…

What Is Form 1099C And What Do You Need To Know About It?
24 May

What Is Form 1099C And What Do You Need To Know About It?

Form 1099-C is used to report a debt cancellation owed by you (an individual), a partnership, a company or corporation, a trust, an estate, or an association. This form is provided to you from the IRS when you owe a debt of $600 or more. The identifiable event of debt…

2017 Conventional Loan Guidelines
22 May

2017 Conventional Loan Guidelines

What Is A Conventional Loan? Conventional loans (aka conforming loans), is a mortgage that is not insured or guaranteed by any government agency, included the Farmers Home Administration (FmHA), the Federal Housing  or the Department of Veterans Affairs (VA). A conventional loan is typically fixed in its terms, have lower costs,…

Worried About Buying A New Home Because Of Insufficient Cash Reserves?
19 May
Fannie Mae Announces HAMP Replacement With A New “Flex Modification Foreclosure Program”
17 May
A Short On Fannie Mae Flex Modification Program
15 May

A Short On Fannie Mae Flex Modification Program

What Is A Loan Modification? A loan modification is an agreement between a borrower and their mortgage company to alter or modify the existing terms and conditions of a mortgage. The contract changes the loan such as extending the length of the loan, changing the monthly payment amounts, and also…

What to Keep In Mind When Shopping For A Home
11 May

What to Keep In Mind When Shopping For A Home

Location, Location, Location! Whether you want to purchase a new home for a lifestyle upgrade or for the purpose of an investment, the most important thing to consider when shopping for a home is the ‘location’. Determining where you want to live is one of the most important decisions that…

What to Look for When Shopping for A Mortgage Company
10 May

What to Look for When Shopping for A Mortgage Company

When you start shopping for a home, you will find that there will be a variety of mortgage companies vying for your business. Given that purchasing a home is a very large investment (maybe one of the largest investments you will make), it is vital that you find the best…

5 Home Buying Tips For Spring Home Buyers
09 May

5 Home Buying Tips For Spring Home Buyers

Home Buying Tips Spring is the time for a fresh start and is peak season if you are looking to purchase a home. Along with tackling your spring cleaning and pulling out your spring wardrobe, you may want to start thinking about what you need to do in order to…

Ultimate Guide: All You Need To Know About Property Analysis Reports
08 May

Ultimate Guide: All You Need To Know About Property Analysis Reports

Defining Property Analysis Individuals who have purchased before know that each property is different when it comes to searching for a home or commercial real estate property. A property analysis is an overall valuation from a set of detailed notes and explanations based on a property’s size and it’s special…

How Can A Financial Counselor Help You Deal With Debt?
02 May

How Can A Financial Counselor Help You Deal With Debt?

Financial Counseling Debt is stressful. Many people are not taught how to manage their debt, how to budget in order to make payments on time, or how to deal with their lender. United Financial Counselors have skilled professionals who can guide you to financial fitness. We work one on one…

Ultimate Guide about The Mortgage Qualification Process
28 April

Ultimate Guide about The Mortgage Qualification Process

Before you begin your house-hunting process, it is important to be well-informed about how much you can afford and what extra amount you need to purchase your dream home? By planning ahead, you save your time in the long-run and can make your home buying and mortgage qualification process smoother.…

Ultimate Facts About 20% Down Payment Conventional Mortgages
27 April

Ultimate Facts About 20% Down Payment Conventional Mortgages

What Is A Down Payment? There are many challenges that homeowners face when he or she enters the market to buy a home. The number one obstacle in the process of buying a home is to save enough money for a down payment. What is a down payment you ask?…

Are you Hunting to Get the Lowest Refinance Rates?
24 April

Are you Hunting to Get the Lowest Refinance Rates?

How to Get the Lowest Refinance Rates If you are looking to refinance your mortgage, you will definitely want the lowest refinance rates. Before you shop around, experts say that you should understand your objective and prepare yourself and your finances to improve the way your application is viewed by…

The IRS Receives Help from Private Debt Collectors But Warns At the Same Time
19 April
Do You Have Bad Credit? Increase Your Credit Score Now!
18 April

Do You Have Bad Credit? Increase Your Credit Score Now!

What Is Considered Bad Credit? Bad credit is usually depicted as a credit score of 619 or lower. Now, I know we all go through tough times at one time or another, but the long term inability to keep up with credit obligations, typically results in bad credit. Having a…

Beware Of Phone Scams: “I Have An Emergency And I Need Money”
17 April

Beware Of Phone Scams: “I Have An Emergency And I Need Money”

Phone scams can be alarming and are no joke. Millions of Americans are targeted each year via robo dialers and that’s exactly what scammers want. They want you to listen to their story and act before you think-Unfortunately, in many cases, they are successful as people provide personal and detailed…

Ultimate Guide: How to Obtain a Good Credit Score?
14 April

Ultimate Guide: How to Obtain a Good Credit Score?

What Is Classified As A Good Credit Score? While different lenders have different standards of rating credit scores, all lenders consider 700 to 850 a good credit score. You credit score is important as it determines your eligibility on a variety of things such as qualifying for a new credit card,…

Ultimate Loan Modification Guide for Homeowners Looking for Affordable Payments
13 April