SOCIAL SECURITY STATUS Not much has changed in the financial status of the Social Security Trust Funds since last year, according to today’s release of the annual report on the status of the funds by the Social Security Board of Trustees. The combined asset reserves of the Old-Age and Survivors Insurance, and Disability Insurance (OASDI) […]
Personal Finance
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 […]
Home Buying with SmartMortgage.com
Home Buying With SmartMortgage.com Whether you’re a first-time buyer purchasing a starter home or making a move up to your dream home, Christopher has the skill and knowledge to help you pick a loan program and manage the loan process through closing. Doug Haldeman welcomes Christopher Beahm to the Cornerstone Studios as they talk about […]
Why Are You Selling My Mortgage?
Selling Your Mortgage Isn’t Personal The sale of your loan is not personal and while you may be apprehensive about the potential sale there is nothing to fear, the only change you should notice is a different payment address. Why are mortgage loans sold? Lenders sell loans to clear their credit lines which allows them […]
Escrow or Not To Escrow
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 […]
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: 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 […]
Be On A Budget And Still Go Out With Your Friends
You and your friends may have shared a similar economic situation when you were kids or while you were in college, but now that you are adults, your incomes might diverge widely. Differences in spending habits can destroy a friendship when they result in wildly different lifestyles or feelings of resentment, but if you approach […]
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 […]
