(Quora: https://www.quora.com/Is-it-true-that-our-credit-score-can-be-upgraded-by-hackers) A: No I have never heard of any way to actually hack into the credit bureau’s computers and give yourself a good FICO score like in high-school to give yourself A’s instead of F’s. It would not do any good anyway because the scoring algorithm is run on the current data at the time […]
Maximum mortgage loan amounts for Fresno County have been increased for 2019. Rates have declined again. Home prices are leveling. Supply is dropping. What are you waiting for? Download online at OneRay.com/Limits
Bye, Bye Clutter The most important thing you can do to prepare your home for sale is to get rid of clutter. Make a house rule that for every new item that comes in, an old one has to leave. One of the major contributors to a cluttered look is having too much furniture. When […]
A no down payment mortgage allows first-time home buyers and repeat home buyers to purchase property with no monies required at closing. Other options, including the FHA Home Loan, the HomeReady™ mortgage and the Conventional 97 loan offer low down payment options with a little as 3% down. Mortgage insurance premiums typically accompany low and no […]
Soon Uncle Sam is going to be knocking on your door with his hand out. While April 15th is perhaps our least favorite day of the year, there are things you can do to save on your taxes. For example, you can save a bundle on your taxes by using mortgage interest deductions. I would never […]