Garden State Home Loans is your local and trusted choice for New Jersey home loan refinancing. From our office in... read more →
Having a good credit score is essential for getting a good mortgage rate. Before purchasing a home, make sure you... read more →
Avoiding Bankruptcy Bankruptcy occurs when your liabilities exceed your assets or when you have an insufficient cash flow to service... read more →
Credit Card Interest Rate Is your interest rate not where you want it? Here’s how to lower the interest rate... read more →
Consolidating Credit Card Debt Credit card debt can be very worrisome. The average American household has roughly $16,425 in credit... read more →
Credit Counseling Credit counseling is used to help debt settlement through education, budgeting, and other tools to help reduce and... read more →
Bouncing a Check Financial mistakes happen. One of the most frustrating is a bounced check. A check bounces when there... read more →
What Happens When You Close a Credit Card? There are a few different reasons that you might close a credit... read more →
What are lender credits? Not everyone has the ability to pay the closing costs. If you are in the position... read more →
Subprime vs Prime Mortgages There are two major categories for loans for borrowers, prime mortgages and subprime mortgages. Subprime mortgages... read more →
Credit Freeze A credit freeze, otherwise known as a security freeze, is a tool that allows you to restrict access... read more →
Your First Credit Card Getting a credit card is an important step in life. However, before applying for the first... read more →
When you have high interest debt on auto loan, credit cards or other loans, they could be difficult to pay... read more →
Debt-to-income ratio (DTI) is a personal finance measure that compares your debt payment to you overall income. DTI is a... read more →
Credit scores can range from 300 to 850. The Fair Isaac Corporation set up the first credit scoring system based... read more →
The Community Reinvestment Act is a 1977 U.S. law passed to address a discrepancy between how often low to moderate... read more →
The first-time homebuyer tax credit is a special tax credit program meant for a specific group of homebuyers: those who... read more →
What is a right of rescission? A right of rescission is the legal right which gives a borrower the right... read more →
In 1974, Congress passed the Equal Credit Opportunity Act, under President Gerald Ford. The Equal Credit Opportunity Act (ECOA) makes... read more →
VA Loans are offered by the Department of Veteran's Affairs (VA) and are intended to help veterans, active service members,... read more →
Whenever you do something that requires pulling your credit report, such as applying for a loan, your credit report gets... read more →
Have you recently reviewed your credit report and discovered errors? Is the wrong name or address listed in your report?... read more →
Is it possible to refinance a mortgage with a low credit score? Answer: Yes. The downside, however, is that you... read more →
How to Obtain a Mortgage with Low Income and Good Credit Purchasing a home is a considerable investment. While purchasing... read more →
Define: credit utilization Definition: Credit utilization is the comparison between the amount of credit available and the amount currently used.
In a dramatic shift away from traditional monetary practices, FICO and the top credit rating agencies - Experian, Equifax, and... read more →
Interested in buying a house, taking out a car loan, or starting a business? Then you should be mindful of... read more →
The Importance of Maintaining a Good Credit Score This is the foremost question a lender or realtor asks when you... read more →
Debt is usually generalized as being all bad, but in reality, debt can be either good or bad. This categorization... read more →
Definition: creditworthiness Creditworthiness is the valuations of borrowers by lenders that determines the possibility a borrower may default on their... read more →
Factors that Affect Your Credit Score A credit score is a number that represents the creditworthiness of a person and... read more →