How much will a foreclosure hurt my credit?
There is a lot of Question about the difference between and Short Sale and Foreclosure and ultimately which is more impactful on Your Credit Score. The Truth is, it really depends, but it’s not that...
View ArticleSan Diego Real Estate Secrets
San Diego Real Estate Secrets If You own San Diego Real Estate and You want a Free Home Valuation, call the Real Estate Help Line 1.888.951.2929 Find out what Your home is really worth before You make...
View ArticleBreaking News on ObamaCare is just the beginning of the Red Tape…
Now that the Government has clearly defined what “affordable health care” means, millions of Americans with big families will no longer get financial aid they need to cover their entire family. We...
View ArticleWhich is better for your Credit, a Short Sale or Foreclosure?
I am so sick of seeing articles written on this subject by people who have clearly done absolutely ZERO case-study on this subject. They just simply regurgitate what they read on MyFico or some other...
View ArticleThe biggest IRS mistake you can make
Jeffrey Kahn, Board Certified Tax Attorney and IRS Tax Resolution specialist, joins me today for an inside look at how the IRS works, what they can do to collect money and how to handle any IRS tax...
View ArticleBank of America bailed out again, but You won’t hear about it on the NEWS…
Bank of America received special treatment from the Federal Reserve last year that amounts to a multi-billion dollar bailout. The Federal Reserve of New York decided not to prosecute BofA for bad...
View ArticleThe best way to measure inflation…
You would be hard-pressed to find a company more efficient than McDonalds. Although I don’t eat there and despise many aspects in which the Company exists and operates, there is one thing McDonalds is...
View ArticleBanks aggressively foreclosing to steal your home’s equity
It’s not a rumor at this point. Almost a dozen cases in the past few days is too many to be a coincidence! Homeowners are in a panic over the Big Banks recently-aggressive efforts to foreclose and...
View ArticleWhat age is too late to buy a home?
You are 55 years old and you’re buying a home. You plan to get a 30 year fixed rate mortgage. Bad move? Right now, the average life expectancy for men is 85 and women 87. So, when do you give... Read...
View ArticleOur 3 Year Anniversary Show Today!
Today marked the 3 year anniversary of The Lunch Hour with Mr. Credit on ESPN 1700AM here in San Diego. We had a LOT going on today: - It’s April 15th (Tax Day) - The Stock Market had it’s worst......
View ArticleWhen you stop and look around…this Life is pretty amazing.
Today, let’s take a moment to be thankful for everything we have. No matter what you might be facing right now, when you stop and look around, and really take it all in…this life is pretty amazing!...
View ArticleShould I refinance in San Diego?
All of the expert-talk in the San Diego housing market is about the consistently large year-over-year increase in home values we see every time a new report comes out. Case in point, the most recent...
View ArticleHow do I fix my Credit after a Short Sale or Foreclosure?
You can fix your credit after a short sale or foreclosure in 3 steps. Step 1: Get a good “mix” of credit. The perfect mix of credit is a Mortgage loan, Auto loan, and 3-5 credit cards. You can get......
View ArticleHow to negotiate commissions with a Real Estate Agent in San Diego
It’s mind-boggling how often I talk to home-sellers who never broached this subject with their Agent! When you are hiring someone to sell your home, it is absolutely your responsibility to bring up the...
View ArticleHow to Short Sale your home the easy way…
Don’t get me wrong, there is nothing easy about a short sale. However, if you know what to expect, who to work with and how to “play the game”, the process can be a lot easier on you and your... Read...
View ArticleWhy Banks want you to Short Sale
In 2005 or 2006, if You were up-side-down on Your home and contacted the Bank to request a Short Sale, they might have laughed in your face. So why are Banks so interested in helping Homeowners do...
View ArticleLoan Modifications are a SCAM…Officially.
You might have thought I was being melodramatic. Maybe a bit boisterous or a little too “harsh” on the Banks, but as of today, you know why. The Loan Modification protocol at Bank of America is...
View ArticleHow to stop a Foreclosure
If a company claims to know how to stop a foreclosure, it’s likely they have another agenda. If you want to stop a foreclosure, there are several things to try, but only one way is GUARANTEED to work...
View ArticleThe easiest credit report to fix…
The easiest credit report to repair is the one with old, negative items. Right now is a great time to have successful credit repair if you got hurt in the down economy a few years back, but were...
View ArticleWoman sues Credit Bureaus and gets $18,580,000!
Thousands of Americans fight a losing battle against the Credit Bureaus every single day. Even the ones who have the time, energy and money to fight the Bureaus in a legal battle. That was not the case...
View ArticlePocket Listings: selling your home secretly
I first heard about Pocket Listings in San Diego several years ago. I was lead to believe it was always a selfish move by the real estate agent trying to hoard as much commission as possible. Why would...
View ArticleOne thing EVERYONE can do to help Your Credit Score
There is one thing I know You can do to help improve Your Credit Score and also protect it from negative items that might show up in the future. No matter what you might have going on right now, even...
View ArticleHow does a late payment affect your credit score?
A late-payment, according to your Credit Report, is a payment received more than 30 days late. If you are two weeks late every month, you have the same Credit Score as the person who is two weeks...
View ArticleWhat happens to home values in San Diego if Mortgage rates go up?
July 12th, 2011 Show Guests: Jim Berns – 2006 Broker of the Year in San Diego Art Valenzuela – Lead Instructor for Kaplan Real Estate Schools Jon Jerotz “JJ” – President’s Club Member with Guaranteed...
View ArticleHow does a Loan Modification affect Your Credit Score?
Do not believe anything you hear in the media about Loan Modifications. This thing has TOO much politics around it, but what doesn’t these days…? If you want the straight truth, watch this video and...
View ArticleFormer Bank Employee shares Secrets about Loan Mods, Short Sales
Former Big Bank employee, Jacalyn Blank of Short Sale Solutions in San Diego is Live in studio sharing all the inside Secrets with Mr. Credit about how the Bank views and deals with Loan Modifications...
View ArticleYou MUST File a Bankruptcy BEFORE You do a Short Sale
Doing a Short Sale is far better for Your Credit Score than a Foreclosure, but it’s very important to file for Chapter 7 Bankruptcy before you do a Short Sale or Foreclosure in San Diego. If you...
View ArticleSmarter San Diego – Ep. 68 – LIVE on CH4SD!
Time to get SMART with Smarter San Diego! TOPICS: 1- The San Diego Low Rider Gospel Fest is Bringing the Community Together. This powerful father and son duo are serving the San Diego community in a...
View ArticleForeclosures are on the Rise and Nobody’s Talking About it…Problem?
Senior Loan Officer at Cornerstone Mortgage Group, Christian Griffin, is here to shed light on a currently neglected but crucial subject affecting the current real estate market. Questions?...
View ArticleNever let the bank take your home in a foreclosure… you DO have options!
Foreclosures are making their way back on the radar, which affects the credit profiles of those who are losing their home to the bank. What are some of the options for homeowners who are being faced...
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