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MoneyTips Few things are more effective at fighting identity theft than credit freezes. When you freeze your credit, potential lenders can't access your credit file to assess the risk of lending money to you. No risk assessment means no credit – so identity thieves can't use your stolen information to create fake accounts in your name. You can't open new credit accounts in your name, either. When you're ready to shop for a new home or refinance your existing one, you must temporarily remove (thaw) the freeze so lenders can assess your credit. Fortunately, the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018 removed credit freeze barriers by making them free and simple to apply and remove. If you request a credit freeze with any of the three major credit reporting agencies (TransUnion, Experian, and Equifax) over the phone or via a secu... from MoneyTips https://ift.tt/2RY5b3Y

MoneyTips By Andrea Woroch Statewide restrictions are easing, and businesses are slowly reopening across the country, but consumers are still experiencing a lot of financial anxiety about the impact of the coronavirus outbreak on their income and budgets. In fact, a survey by from MoneyTips https://ift.tt/2CLNP76

MoneyTips If it sounds too good to be true, it probably is. That's sound advice for almost all aspects of life, including the search for mortgage relief services. Distressed homeowners don't have to resort to third-party mortgage services. Free counseling is available at the Department of Housing and Urban Development (HUD). HUD programs such as the Home Affordable Refinance Program (HARP) can allow qualified homeowners to refinance their home at more favorable terms. If you don't qualify for any HUD programs, you can work directly with your lender or consult with third-party mortgage counseling services. However, you must be careful to distinguish legitimate mortgage services from scammers . Scammers are adept at taking advantage of desperate homeowners for their own gain without providing any assistan... from MoneyTips https://ift.tt/3eCyLa1

MoneyTips If it sounds too good to be true, it probably is. That's sound advice for almost all aspects of life, including the search for mortgage relief services. Distressed homeowners don't have to resort to third-party mortgage services. Free counseling is available at the Department of Housing and Urban Development (HUD). HUD programs such as the Home Affordable Refinance Program (HARP) can allow qualified homeowners to refinance their home at more favorable terms. If you don't qualify for any HUD programs, you can work directly with your lender or consult with third-party mortgage counseling services. However, you must be careful to distinguish legitimate mortgage services from scammers . Scammers are adept at taking advantage of desperate homeowners for their own gain without providing any assistan... from MoneyTips https://ift.tt/3eCyLa1

MoneyTips Is your mortgage lender insisting you get mortgage insurance? In our exclusive video above, Mortgage Advisor Casey Fleming explains how your premiums will be calculated and shares tips on how to get the lowest premiums possible. The higher your credit score, the lower your premiums will be. You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips . Advertising Disclosure from MoneyTips https://ift.tt/3ddNVkv

MoneyTips Is your mortgage lender insisting you get mortgage insurance? In our exclusive video above, Mortgage Advisor Casey Fleming explains how your premiums will be calculated and shares tips on how to get the lowest premiums possible. The higher your credit score, the lower your premiums will be. You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips . Advertising Disclosure from MoneyTips https://ift.tt/3ddNVkv

MoneyTips You want to know exactly what you are getting when you make any large purchase, especially when you are buying a home – the largest purchase that many Americans will ever make in their life. That's why a real estate disclosure statement is a fundamental part of any real estate transaction. By law, home sellers must provide a disclosure statement in writing regarding the condition of their home. The contents of disclosure statements vary by state and municipality, but they must disclose known hazards and defects of the home, as well as any important information that may affect the seller's decision. As a seller, you must make sure that you compile a thorough list of disclosure items. Your agent should be able to help you determine if each item must be disclosed. Sellers are not required to search for any unknown defects, but failing to disclose a reasonab... from MoneyTips https://ift.tt/2LqeGca

MoneyTips With new cybersecurity threats cropping up daily and millions of identity thieves devising creative ways to trick you into divulging your personal information, you need to protect yourself from identity theft. Watch MoneyTips Consumer Advocate Kristin Malia share five simple things you should do to prevent your identity from being stolen. For even more protection and peace of mind, let MoneyTips protect your credit and your identity with a free trial . Advertising Disclosure from MoneyTips https://ift.tt/2WHPtLz

MoneyTips With interest rates currently at a three-year low, it is clear that home values are on the rise. This makes it a great time to purchase a home — especially for first-time buyers. However, buying a home is no cakewalk; it must be handled with great care, and you must be prepared before applying. Here are a few important tips to get you started in the right direction. 1. Pull your credit report First, check your credit report. Then, search for a mortgage lender who lends to people with your score. Before filling out the papers for a home mortgage loan, you may want to take a peek into your credit file. Having adverse credit can not only limit the amount the lender is willing to let you borrow, but it can also cause you to pay a much higher interest rate in comparison to someone with average to excellent credit. If you have serious debts on your credit file (such as outstanding loans, bankruptcy, or a high amount of debt), this can stop you from even obtaining... from M

MoneyTips For years, you have been dreaming about buying your first home and now you are debating taking action. Are you ready to enter the home buying market? Consider these seven signs before taking the plunge. 1. Having Job Security – Mortgage loan approvals require a steady regular income. Is your employment situation secure enough that you can commit to buying a home? Being out of work is bad enough, but being out of work with a brand new mortgage is disastrous. 2. Commitment to the Area – Generally, realtors recommend that you plan to stay in a home for a minimum of five to seven years. If your situation is still fluid, buying may not be for you. Buying a home is a long process, and you do not want to have to sell one in a rush soon after a purchase. Most of your pa... from MoneyTips https://ift.tt/2AFvR58

MoneyTips What is the difference between a fixed-rate mortgage and an adjustable-rate mortgage? Which is a better choice for you? Watch C2 Financial Mortgage Advisor Casey Fleming explain which mortgage type is best under different circumstances. MoneyTips is happy to help you get free mortgage and refinance quotes from top lenders. from MoneyTips https://ift.tt/36VFj0n

MoneyTips What is the difference between a fixed-rate mortgage and an adjustable-rate mortgage? Which is a better choice for you? Watch C2 Financial Mortgage Advisor Casey Fleming explain which mortgage type is best under different circumstances. MoneyTips is happy to help you get free mortgage and refinance quotes from top lenders. from MoneyTips https://ift.tt/36VFj0n