2022 Boise Idaho Real Estate Blog

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Entries 21-40 of 76
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Oct 07

Here are three factors you need to know about regarding why mortgage rates can't stay this low much longer...


Oct 05

Mortgage Rate Ranges for Conforming, FHA, and Idaho Housing mortgage products.


Oct 02

How long can negative items on your credit report REALLY be reported?


Sep 22

Even the most credit conscious consumers make mistakes while managing their credit profile with credit scoring in mind. Here are some of the most powerful myths with regard to credit.


Aug 28

How can you improve your credit scores with regard to credit inquiries? Read on!


Aug 12

Consumers are bombarded daily with offers of new credit. With 10% of your credit score at stake, taking advantage of these "special offers" does nothing good (or special) for your credit score.


Aug 05

A major change regarding time it takes to close a mortgage transaction has been implemented...for those of you EVER planning on pursuing mortgage financing in the future.


Jul 29

It isn't a matter of if, but rather, WHEN, inflation will start to have a tremendous, negative impact on mortgage rates. If you are considering a purchase or refinance, you need to read this.


Jul 07

10% of your credit score comes from the mix of your credit accounts. You must prove that you can manage multiple types of credit.


Jul 02

This next portion of your credit score I will discuss accounts for 15% of your credit history. Read on!


Jun 04

Why won't they last forever? Read on and see why I think mortgage rates can only go up from here.


May 22

In my last entry, we talked about the debt ratio portion of your credit score that accounts for 30% of your score. In this entry, I'll talk about some ways to improve this portion of your score easily and permanently.


Apr 10

30% of your credit score is calculated by looking at your debt ratio...or how much you owe creditors and how you manage that debt.


Mar 13

35% of your credit score is calculated by payment history...the largest percentage in your credit report.


Feb 21

I'll take a quick break from credit scoring on my Blog, and break down the main points of the new $8,000 tax credit for first-time homebuyers that President Obama signed into law this week.


Feb 20

Today...a short list of answers to the most frequently asked questions about credit scores.


Feb 13

The equity in your home as collateral doesn't matter as much in this 'New World' that I work in as it did 2-3 years ago. Your mortgage lender DOES NOT want to own your property! Now, more than EVER, your credit score is your first class ticket to the best mortgage rates.


Feb 06

In the past, a lower credit score simply meant that you would pay a higher rate of interest on a car loan or wouldn't qualify for a mortgage. And while that is still the case, there are much broader ramifications for having poor credit. When your scores are low, you will pay more for EVERYTHING!


Jan 30

The laws on the books today to help protect your credit report and profile are written too vaguely and unclear. There is too much gray area and room for interpretation. Short answer...they don't work to protect you.


Jan 23

When it comes to the many different (yes, there is more than one) consumer credit scoring models, there are many defects in the system. Here are some you NEED to know about.


Entries 21-40 of 76
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