Credit Inquiry Most of us know that a credit inquiry has an affect on our overall score. There is a lot of misunderstanding about how they can affect your score. The easy answer is that it is the frequency and proximity of inquiries that has the greatest effect. Basically, the more you have your credit […]
My Partner has Bad Credit; Can We Buy a House?
My Partner has Bad Credit; Can We Buy a House? You’ve scrimped, saved, and made sure every bill is paid just to be in the perfect position to purchase a property. You’ve got great credit, but how about your partner? Eh, not so much. This is a very common issue that I run into on […]
4 Consumer Loans That Affect How Much Home You Can Buy
4 Consumer Loans When you are looking at buying a home your lender will evaluate your debt and credit score. These have a big impact on whether your loan will be approved, and how much you can afford. We are going to outline 4 consumer loans that could make or break your mortgage […]
Why Did My Credit Score Drop?
Why Did My Credit Score Drop? As a mortgage professional I’m looking at credit scores everyday. When I speak to people they will often tell me what they think their score is, and it is always interesting to see how close they are. When we actually pull up the credit report it can appear that […]
Is Your Bank Account Leaking Money?
Is Your Bank Account Leaking Money? When was the last time you really looked at your bank account? It is easy to miss small amounts of money every month until you get declined or a check bounces. When this happens it creates awareness around your money situation. Here are a few ways that you can plug […]
Tips For A Smooth Loan Approval
Getting a pre-approval is one step of the mortgage approval process. Having a smooth loan process depends partially on you. As a potential homeowner you must remain responsible throughout the process. In the end only you can determine your future. Here are some tips to help you stay connected to your end goals. DO continue […]
Improving Your Financial Freedom
Improving Your Personal Financial Freedom Improving your personal finances may seem impossible and being in debt can be a stressful experience. No matter what your circumstance is, if you signed for a loan, you are obligated to pay it back. If you have a life altering experience like losing a job, getting into an accident, or […]
Tips To Make Your Finances Less Frustrating
Have you had a similarly frustrating experience when paying your bills or managing your finances? As part of National Moment of Frustration Day on Oct. 12, we’re sharing five things you can do to make managing your finances easier. 1. Automate your finances to minimize late payments. Through auto-pay, you can rest easy knowing that […]
Testimonial To Doug Haldeman & Cornerstone Mortgage, Inc
Testimonial From First Time Home Buyer A testimonial from clients are the greatest reward given to any loan officer. Client Mike offers a viewpoint that many other first time home buyers may be faced with and how much Doug Haldeman was able to help him through his […]
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: […]