Escrow Accounts Homebuyers typically pay extra money into escrow accounts every month, along with their home loan payments. It’s kind of like having your mom or dad hold on to your money when you were a kid while you went and played. Escrow accounts can take the pain of losing your money or not being […]
Consumer View
Credit Score Basics
Credit Score Basics A credit score is based on the information drawn from your credit report and there are many different individual factors that are used to determine your score. Doug and Tammie go over some of these factors to help breakdown what your score is telling creditors. What makes up your credit score? Payment History: […]
Identity Theft Refund Fraud
Identity Theft There have been lots of stories over the past few months on identity theft and how the information can be used against you. You may have heard something about stolen identity tax fraud. You may even have been a victim of it. It’s the biggest tax scam around now. We used to watch […]
Identity Theft: Stolen Identity Refund Fraud
Identity Theft is no fun to have to go through and having your identity stolen is unfortunately becoming common place these days. In the movies we would watch a person meeting Guido in the back alley or the characters in the movies were placed in the witness protection program with a new identity. Maybe you were […]
Market Cycles with John Sprague
“If you’re not concerned about the market, you’re not paying attention!” – Gary Keller Join Doug Haldeman and John Sprague as they discuss the market cycles and how it may effect you. Through a deep, rich understanding of the market cycles you will be able to best position yourself to take advantage of another great […]
Shelly Clark On Surveying, Mapping & Flood Zones
Are you in the zone? The flood zone that is. Doug and Tammie interview Shelly Clark with Cardinal Surveying & Mapping. Shelly shares her experience and wisdom in shedding some light on FEMA Flood Zoning and the difference between 100 year and 500 year flood zones. In addition, Shelly discusses what homeowners need to know […]
The Waiting Period After Foreclosure, Bankruptcy, or Short Sale
If you have lost your home through a foreclosure, short sale or bankruptcy and want to get another mortgage loan, you may be wondering how long you’ll have to wait. Your credit will take a hit after all of these situations, although possibly not as much as you think or for as long as you […]
8 Financial Tips For Young Adults
Personal finance has not yet become a required subject in high school or college. If it is available for you to take in your school, will you apply what you learn? You may be more focused on relationships, video games, the newest fad, partying and not quite understand how decisions you make today financially […]
7 Lies Young People Hear When Growing Up
So you have a few of the ‘certificate of participation’ awards and want to take those to your first job interview, well you will soon see how much weight they carry. The ‘Wall of Gaylord Focker’ may need to stay on the wall of your parents home.” The truth? Honesty is a must, perfection is a myth, and failure is […]
Inquiries: Losing Points On Your Credit Score
How many points does a credit inquiry make you lose? You all know this person, and if you don’t it’s probably because it’s you. The person who opens up their wallet or purse to see every store credit card that is known to man/woman. This is all due to that delightful store clerk asking them […]
