Debt Settlement Company

If you are looking at bankruptcy, a debt settlement company may be an option. A debt negotiation company can have you out of debt in less than four years. A bk can stay on your credit report for up to ten. You can expect to pay back about 40-60cents on the dollar with a debt reduction company. Debt negotiation is different than consumer credit counseling. CCCS programs require that you pay all of your money back plus interest. Debt Settlement will have you pay less than what your originally borrowed. There are consequences however. Your credit will be messed up for awhile.

The reality is that there are not to many great choices when you get into debt.

Phoenix Mediator - Alternative Dispute Resolution - Arizona

AZmediator.com has just been launched. Mediation is another option to resolving disputes. Save money and aggravation by using mediation rather than going to court.

Unbiased Home Buyer Information

GetHomeBuyerHelp.com has just been launched. The intention is to be the premier destination on the internet for unbiased home buyer information and education. Learn about home buyer tax credits, mortgage programs and how negotiate the best contract for yourself.

First Time Home Buyer

8000 bridge loan for first time home buyers

FHA mortgages will soon be a lot better for home buyers and first time home buyers. Hud and FHA plan on giving buyers an $8000 bridge loan that they can use now to buy a home rather than wait to get their refunds. Not all of the details to this program have been outlined yet. Hopefully this will stimulate the housing market further.

FHA tax credit program

6 Ways to Improve Your Fico Score

The six ways to improve your fico score are:

1. Pay down your credit balances
2. Increase your credit lines
3. Have a good credit blend
4. Make your payments on time
5. Call your creditor to see if they will re age your account
6. Credit Restoration

Additional Credit Information

10000 California Tax Credit

You can get a 10000 tax credit just for buying a home in California. This is more than the 8000 tax credit that is available in the rest of the country. This is a great time to buy and now the government wants to give you a tax credit, giddy up.

10000 California Tax Credit

8000 Tax Credit for First Time Home Buyers

A HomePath Mortgage may be the way to buy your first home

I'm not a big advocate of going into debt but buying a home to me would be an exception. You have to live somewhere and if you are not independently wealthy you will probably have a monthly housing payment. A HomePath Mortgage has many advantages.

A HomePath Mortgage may be a better option than an FHA mortgage. A HomePath Mortgage only requires 3% down whereas an FHA mortgage can require 3.5% down. There is no PMI insurance on a HomePath Mortgage. An FHA mortgage has mortgage insurance as well as a 1.5% funding fee up front ouch. There is no appraisal required for a HomePath loan.

Home Path mortgage information