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We publish blog articles that gives the nation and the world helpful resources, tips, how to's, trends, and best practices related to housing, foreclosure, real estate, short sales, loan modifications, mortgages, formulas, and so much more.

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Hundreds of Mortgage Relief and Debt Relief Operations Banned by FTC

Michael Nolen, Founder, CEO May 26, 2016 at 2:54 PM

On May 25, 2016, attorney's for the FTC's Division of Financial Protection published an announced of the FTC's list of hundreds of companies and people that they put a sequel on their misleading operations.

In this post, we'll share insight about the Federal Trade Commission's publication and some tips for shopping for a mortgage relief or debt relief company.

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Tagged Short Sale, Loan Modification, Deed in Lieu of Foreclosure, Mortgages, Foreclosure, Credit Reporting, Federal Trade Commission

7 Expert Tips for Refinancing a Mortgage Loan

Mike Wise, Capstone Direct Mortgage Financing April 15, 2016 at 9:00 AM

Maybe you want to lower your payments, or perhaps for a shorter the mortgage term. Homeowners who want to pay less on their mortgage each month may be able to do so.

There are a number of tips available to help you reduce your mortgage payment and gain financial flexibility. Refinancing a mortgage loan is one. But before you jump into the game, there are some steps you’ll want to take before contacting a mortgage lender.

In this post, guest Delmarva Home Relief blog contibutor Mike Wise, Founder and CEO of Capstone Direct Mortgage Financing, shares some tips to prepare our readers for their journey to refinancing a mortgage loan.

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Tagged Mortgages, Credit Reporting

Top 5 Readers Blog Picks for March 2016

Michael Nolen, Founder, CEO April 4, 2016 at 1:00 PM

Delmarva Home Relief's Blog is all about educating our readers and the world about topics related to housing and finance. In March, we published over 30 new topics. From helpful first time home buyer tips to comparing the differences between government and lender specific in house loan modification programs, our readers choose these 5 blog articles as the most interesting and helpful.

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Tagged Loan Modification, Real Estate, Mortgages, Buying a Home, Buying a Condo, Renting Vs Buying a Home, What Is My Home Worth?, Credit Reporting

How Your Credit History Impacts a FICO Credit Score?

Michael Nolen, Founder, CEO March 23, 2016 at 9:00 AM

Your FICO score is greatly impacted by your credit payment history. In Fact, MyFICO.com says, it makes up 35% of your credit score. That's huge!

If you want to be better prepared for buying a home and getting a mortgage, you'll want to make sure your payment history isn't impacting your credit in a negative way.

In this post, I'll share some helpful tips and best practices to help you understand how your credit payment history impacts your credit.

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Tagged Mortgages, FICO Credit Scores, Credit Reporting

5 Resources to Get a Free Credit Report and Score!

Michael Nolen, Founder, CEO March 9, 2016 at 10:33 AM

Your credit score is extremely important! Good credit can give you access to affordable credit cards, car loans, mortgage payments, and can help you avoid paying high interest rates. Reviewing your credit even help you catch signs of identity theft early.

In this post, I share 5 helpful resources to help you get a free annual report and educational sources to help you understand your options.

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Tagged Mortgages, Credit, FICO Credit Scores, Credit Reporting

How a FICO Credit Score Affects Credit Reporting? [Infograph]

Michael Nolen, Founder, CEO February 4, 2016 at 1:15 PM

Whether you need a credit card, car loan, mortgage, or installment loan, you’ll most likely need to show a good FICO® score. But, what is it and how does it affect your credit report.

In this article, I’ll help you better understand how your credit score is calculated.

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Tagged Mortgages, FICO Credit Scores, Credit Reporting

47 Credit Reporting Codes to Know for Credit Repair Disputes

Michael Nolen, Founder, CEO February 4, 2016 at 11:21 AM

It happens a lot – and more than we want to think about. Your credit report could have inaccurately reported accounts. If there is an inaccurate item that’s affecting your FICO® credit score, you can dispute it and do your own credit repair.

I’ll share 47 credit-reporting codes used by TransUnion, Equifax, and Experian to help you on your journey to better credit.

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Tagged Mortgages, Credit Repair, Credit Bureau, Credit, FICO Credit Scores, Credit Reporting

How to Get a FHA Mortgage After Short Sale in 2016

Michael Nolen, Founder, CEO January 4, 2016 at 3:37 PM

Many borrowers considering selling their home for less than the mortgage debt have expressed concerns about getting a new mortgage after short sale. For many, a large down payment on a new home is difficult after experiencing a financial hardship.

However, qualified borrowers could get an FHA loan sooner rather than later with FHA’s “Back to Work” Program.

In this post, I’ll share how you this FHA program could help you get back on the path to homeownership.

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Tagged Short Sale, Deed in Lieu of Foreclosure, Mortgages, FHA Mortgages, Credit Reporting

The Deed in Lieu Credit Impact (and Your Future!)

Michael Nolen, Founder, CEO November 10, 2015 at 3:40 PM

We’re often asked about the credit impact. In fact, a deed in lieu of foreclosure program has a similar credit impact compared to other loss mitigation programs and foreclosure alternatives. In this post, we’ll shed some light on the possible credit impact of a deed in lieu program. 

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Tagged Loss Mitigation, Deed in Lieu of Foreclosure, Mortgages, Credit, Life After Deed in Lieu, Credit Impact, Credit Reporting

8 Quick Tips to Writing a Credit Repair Dispute Letter

Michael Nolen, Founder, CEO April 23, 2015 at 9:00 AM

Many consumers face credit-reporting errors. Let’s face it, with millions of consumers throughout the US, there’s bound to be a mess up. In fact millions have found that there are errors on their credit report.

Fixing inaccurate items on your credit report can help you rebuild your FICO credit score.

In this post, I explain how to write a credit repair dispute letter so you can do it yourself using a formal dispute letter that has worked well for us.

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Tagged Credit Repair, Credit Bureau, Credit, FICO Credit Scores, Credit Reporting

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