Download pdf below...
http://www.dfwhomeownership.com/11_Big_Mortgage_Mistakes_to_Avoid.pdf
DFW Home Ownership is the blog for www.DFWHomeOwnership.com. It is designed to help the Home buying process for Real Estate, Mortgage, Credit Repair, Establishing Credit, & Home Ownership Programs. The site also has Apartment Locators and lots of Tools.
Tuesday, November 27, 2012
Your Rights!!! with Collection Agencies
What types of debt collection practices are prohibited?
Harassment: Debt collectors may not harass, oppress, or abuse anyone. For example, debt collectors may not:
1) Use threats of violence or harm against the person, property, or reputation;
2) Publish a list of consumers who refuse to pay their debts (except to a credit bureau);
3) Use obscene or profane language;
4) Repeatedly use the telephone to annoy someone;
5) Telephone people without identifying themselves;
6) Advertise your debt.
False Statements: Debt collectors may not use any false statements when collecting a debt. For example, debt collectors may not:
1) Falsely imply that they are attorneys or government representatives;
2) Falsely imply that you have committed a crime;
3) Falsely represent that they operate or work for a credit bureau;
4) Misrepresent the amount of your debt;
5) Misrepresent the involvement of an attorney in collecting a debt;
6) Indicate that papers being sent to you are legal forms when they are not;
7) Indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
1) You will be arrested if you do not pay your debt;
2) They will seize, garnish, attach, or sell your property or wages, unless the collection agency or Creditor intends to do so, and it is legal to do so;
3) Actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
Debt collectors may not:
1) Give false credit information about you to anyone;
2) Send you anything that looks like an official document from a court or government agency when it is not;
3) Use a false name.
Unfair Practices: Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
1) Collect any amount greater than your debt, unless allowed by law;
2) Deposit a post-dated check prematurely;
3) Make you accept collect calls or pay for telegrams;
4) Take or threaten to take your property unless this can be done legally;
5) Contact you by postcard.
You have rights. But only YOU can assert them.
Harassment: Debt collectors may not harass, oppress, or abuse anyone. For example, debt collectors may not:
1) Use threats of violence or harm against the person, property, or reputation;
2) Publish a list of consumers who refuse to pay their debts (except to a credit bureau);
3) Use obscene or profane language;
4) Repeatedly use the telephone to annoy someone;
5) Telephone people without identifying themselves;
6) Advertise your debt.
False Statements: Debt collectors may not use any false statements when collecting a debt. For example, debt collectors may not:
1) Falsely imply that they are attorneys or government representatives;
2) Falsely imply that you have committed a crime;
3) Falsely represent that they operate or work for a credit bureau;
4) Misrepresent the amount of your debt;
5) Misrepresent the involvement of an attorney in collecting a debt;
6) Indicate that papers being sent to you are legal forms when they are not;
7) Indicate that papers being sent to you are not legal forms when they are.
Debt collectors also may not state that:
1) You will be arrested if you do not pay your debt;
2) They will seize, garnish, attach, or sell your property or wages, unless the collection agency or Creditor intends to do so, and it is legal to do so;
3) Actions, such as a lawsuit, will be taken against you, which legally may not be taken, or which they do not intend to take.
Debt collectors may not:
1) Give false credit information about you to anyone;
2) Send you anything that looks like an official document from a court or government agency when it is not;
3) Use a false name.
Unfair Practices: Debt collectors may not engage in unfair practices when they try to collect a debt. For example, collectors may not:
1) Collect any amount greater than your debt, unless allowed by law;
2) Deposit a post-dated check prematurely;
3) Make you accept collect calls or pay for telegrams;
4) Take or threaten to take your property unless this can be done legally;
5) Contact you by postcard.
You have rights. But only YOU can assert them.
If you become a Victim of Identity Theft
First of all most people that first look at their credit report and they know they have bad credit notice things on their credit that doesn't look like it belongs to them. It is usually debts that have been sold off to collection agencies in other states.
Contact the fraud department of each of the three major credit bureaus to report the identity theft and request that the credit bureaus place a fraud alert and victim’s statement on your file. You may request a free copy of your credit report. Credit bureaus must provide a free copy of your report, if you have reason to believe the report is inaccurate because of fraud and you make your request in writing.
Contact you bank or any other creditor where you have an account that you think may be subject to identity theft.
File a report with your local police department.
Contact the FTC’s Identity Theft Hotline toll-free at 1-877-438-4338.
Equifax
www.equifax.com/
Address: P.O. Box 740241
Atlanta, GA 30374-0241
Order Report: 1-800-685-1111
Report Fraud: 1-800-525-6285
Experian
www.experian.com/
Address: P.O. Box 2104
Allen, TX 75013
Order Report: 1-888-397-3742
Report Fraud: 1-888-397-3742
Trans Union
http://www.transunion.com/
Address: P.O. Box 390
Springfield, PA 19064-0390
Order Report: 1-800-916-8800
Report Fraud: 1-800-680-7289
Contact the fraud department of each of the three major credit bureaus to report the identity theft and request that the credit bureaus place a fraud alert and victim’s statement on your file. You may request a free copy of your credit report. Credit bureaus must provide a free copy of your report, if you have reason to believe the report is inaccurate because of fraud and you make your request in writing.
Contact you bank or any other creditor where you have an account that you think may be subject to identity theft.
File a report with your local police department.
Contact the FTC’s Identity Theft Hotline toll-free at 1-877-438-4338.
Equifax
www.equifax.com/
Address: P.O. Box 740241
Atlanta, GA 30374-0241
Order Report: 1-800-685-1111
Report Fraud: 1-800-525-6285
Experian
www.experian.com/
Address: P.O. Box 2104
Allen, TX 75013
Order Report: 1-888-397-3742
Report Fraud: 1-888-397-3742
Trans Union
http://www.transunion.com/
Address: P.O. Box 390
Springfield, PA 19064-0390
Order Report: 1-800-916-8800
Report Fraud: 1-800-680-7289
8 Big Mortgage Mistakes You Need To Avoid
Great article from MSN Money on common mortgage mistakes by Liz Pullman Westin.
Starts with:
You can borrow too much or prepare too little. You can misjudge terms or overestimate your credit. With so much at stake, it’s no wonder so much can go wrong.
Click on the link below for details - good stuff
http://moneycentral.msn.com/content/Banking/Homefinancing
Starts with:
You can borrow too much or prepare too little. You can misjudge terms or overestimate your credit. With so much at stake, it’s no wonder so much can go wrong.
- Not fixing your credit
- Not looking for first-time buyer programs
- Not being pre-approved for a loan
- Borrowing too much
- Paying junk fees
- Not shopping around for rates and terms
- Not preparing for closing costs
- Not having enough money after closing
Click on the link below for details - good stuff
http://moneycentral.msn.com/content/Banking/Homefinancing
4 Credit-Scoring Myths
Looking to buy a house? Make sure you know what will truly hurt and help your case with lenders -- and don't fall for the misinformation mortgage lenders can spread. By Liz Pulliam Weston
There's a lot of misinformation being propagated about what does and doesn’t hurt your credit score, and much of it is coming from sources who should know better: mortgage lenders.
Lendors run this crap all the time, I know I used to be in the motgage business. Record low rates could save you a bundle.
Now, let me say first that I’ve worked with several excellent lenders who really knew their stuff and kept up to date, not only on loan trends but on the information that’s available about credit scoring. That’s important, because the FICO credit score, in its various permutations, is used in three-quarters of all mortgage lending.
But what I heard from several lenders responding to my recent column, “8 big mortgage mistakes and how to avoid them was the kind of bad advice that can cost you money and keep you from getting the best loans".
So if your mortgage broker gives you any of the following advice, take a tip from me: Find a new broker.
1. Closing accounts can help your credit score
No, no, no. For the umpteenth time: Closing accounts can never help your credit score, and may hurt it.
Every time I write this, I get more e-mail from people who say their mortgage lenders told them exactly the opposite. It’s true that having too many open accounts can hurt your score. But once you’ve opened the accounts, you’ve done the damage. You can’t repair it by shutting the account, and you may actually make things worse.
The credit score looks at the difference between your available credit and what you’re using. Shut down accounts, and your total available credit shrinks, making your balances loom larger, which typically hurts your score.
The score also tracks the length of your credit history. Shutting older accounts can also make your credit history look younger than it actually is, which can hurt your score.
Rather than closing accounts, pay down your credit card debt. That’s something that actually can and usually will improve your score.
2. Checking your FICO score can hurt your credit
Unfortunately, I heard this one from a mortgage broker who is otherwise pretty smart. He was confused about which type of inquiries hurt your score and which don’t.
Applying for new credit is generally what hurts your score. Ordering a copy of your own credit report or credit score doesn’t count. Those mass inquiries made by credit card lenders, who are trying to decide whether to send you an offer for a pre-approved card, also aren’t going to hurt you, either -- unless you actually take them up on their offers.
If you want to minimize the damage from credit inquiries, make sure that when you shop for a mortgage you do so in a fairly short period of time. The FICO score treats multiple inquiries in a 14-day period as just one inquiry and ignores all inquiries made within 30 days prior to the day the score is computed.
For most people, one inquiry will generally knock no more than 5 points off a score (and scores typically run from 300 to 850, so that’s not a big percentage).
3. Credit counseling will hurt your score as much as a bankruptcy
I agree with what she said except I think she meant Debt Consoladation will hurt our score as much as a bankruptcy, not Credit counceling which can actually help your score if you get with a good one... not your friends aunts friend that does credit repair from her coffee table.
Cody Alexander
The current FICO formula ignores any reference to credit counseling that may be in your file. That’s been true for the last three years, after researchers at Fair, Isaac, the company that created the FICO scoring system, noticed that people getting credit counseling didn’t default on their debts any more often than anyone else.
Your ability to get a loan could still be hurt by credit counseling, however. Your current lenders may report you as late, because you’re not paying what you originally owed or because your credit counselor isn’t sending your payments in on time. Late payments do hurt your credit score.
Lenders consider other factors besides credit scores in making their decisions, as well. The factors they look at can vary widely. Most want to know your income, for example. Some want to know how much savings you have or whether you’re a homeowner. Some will find credit counseling disturbing, while others see it as a good sign.
The mortgage lenders who don’t like credit counseling generally treat its enrollees the same as if they had filed for Chapter 13 bankruptcy. Chapter 13 is the kind of bankruptcy that requires a repayment plan and is looked at somewhat more favorably than Chapter 7, which allows you to erase many of your debts. You might still be able to qualify for a loan from one of these lenders, although your interest rates will almost certainly be higher than if you had perfect credit.
If you plan to get a mortgage soon, and you’re not already behind on your debts, it’s probably smart to steer clear of credit counseling. If you’re already in trouble, however, a good credit counseling agency might be able to help you get back on track.
4. Your FICO isn’t the only score you need to check
This came from lenders who thought the FICO score is offered by only one of the three credit bureaus: Equifax.
In reality, all three of the bureaus offer FICO credit scores using the formula developed by Fair, Isaac, but they each give the scores a different name. At Equifax, the FICO is known as the Beacon credit score. At TransUnion, it’s called Empirica. At Experian, it goes by the unwieldy title of “Experian/Fair, Isaac Risk Model.”
Complicating matters further is that you’ll probably have three different scores from the three different bureaus, largely because the bureaus don’t all share the same data. One bureau may list more accounts for you than another, for example, and the differences (in types of accounts, payment histories, credit limits and balances) will be reflected in the score that bureau computes for you.
Because of those differences, it does make sense to pull and examine your credit reports from all three bureaus before you apply for a big loan like a mortgage. Many mortgage lenders take an average of the scores from the three bureaus, or pick the lowest score, when making their decisions, so fixing errors in all three reports before you shop for a loan is smart.
When it comes to comparing your scores, however, you may be stuck. Equifax is so far the only bureau that makes it easy for consumers to get the same FICO score that lenders see. The scores typically provided to consumers by Experian and TransUnion aren't FICO scores, and they're different from the scores these bureaus provide to lenders.
But the ways you improve your credit score are the same in any case: Correct errors. Pay your bills on time. Pay down your debt. And apply for credit sparingly.
There's a lot of misinformation being propagated about what does and doesn’t hurt your credit score, and much of it is coming from sources who should know better: mortgage lenders.
Lendors run this crap all the time, I know I used to be in the motgage business. Record low rates could save you a bundle.
Now, let me say first that I’ve worked with several excellent lenders who really knew their stuff and kept up to date, not only on loan trends but on the information that’s available about credit scoring. That’s important, because the FICO credit score, in its various permutations, is used in three-quarters of all mortgage lending.
But what I heard from several lenders responding to my recent column, “8 big mortgage mistakes and how to avoid them was the kind of bad advice that can cost you money and keep you from getting the best loans".
So if your mortgage broker gives you any of the following advice, take a tip from me: Find a new broker.
1. Closing accounts can help your credit score
No, no, no. For the umpteenth time: Closing accounts can never help your credit score, and may hurt it.
Every time I write this, I get more e-mail from people who say their mortgage lenders told them exactly the opposite. It’s true that having too many open accounts can hurt your score. But once you’ve opened the accounts, you’ve done the damage. You can’t repair it by shutting the account, and you may actually make things worse.
The credit score looks at the difference between your available credit and what you’re using. Shut down accounts, and your total available credit shrinks, making your balances loom larger, which typically hurts your score.
The score also tracks the length of your credit history. Shutting older accounts can also make your credit history look younger than it actually is, which can hurt your score.
Rather than closing accounts, pay down your credit card debt. That’s something that actually can and usually will improve your score.
2. Checking your FICO score can hurt your credit
Unfortunately, I heard this one from a mortgage broker who is otherwise pretty smart. He was confused about which type of inquiries hurt your score and which don’t.
Applying for new credit is generally what hurts your score. Ordering a copy of your own credit report or credit score doesn’t count. Those mass inquiries made by credit card lenders, who are trying to decide whether to send you an offer for a pre-approved card, also aren’t going to hurt you, either -- unless you actually take them up on their offers.
If you want to minimize the damage from credit inquiries, make sure that when you shop for a mortgage you do so in a fairly short period of time. The FICO score treats multiple inquiries in a 14-day period as just one inquiry and ignores all inquiries made within 30 days prior to the day the score is computed.
For most people, one inquiry will generally knock no more than 5 points off a score (and scores typically run from 300 to 850, so that’s not a big percentage).
3. Credit counseling will hurt your score as much as a bankruptcy
I agree with what she said except I think she meant Debt Consoladation will hurt our score as much as a bankruptcy, not Credit counceling which can actually help your score if you get with a good one... not your friends aunts friend that does credit repair from her coffee table.
Cody Alexander
The current FICO formula ignores any reference to credit counseling that may be in your file. That’s been true for the last three years, after researchers at Fair, Isaac, the company that created the FICO scoring system, noticed that people getting credit counseling didn’t default on their debts any more often than anyone else.
Your ability to get a loan could still be hurt by credit counseling, however. Your current lenders may report you as late, because you’re not paying what you originally owed or because your credit counselor isn’t sending your payments in on time. Late payments do hurt your credit score.
Lenders consider other factors besides credit scores in making their decisions, as well. The factors they look at can vary widely. Most want to know your income, for example. Some want to know how much savings you have or whether you’re a homeowner. Some will find credit counseling disturbing, while others see it as a good sign.
The mortgage lenders who don’t like credit counseling generally treat its enrollees the same as if they had filed for Chapter 13 bankruptcy. Chapter 13 is the kind of bankruptcy that requires a repayment plan and is looked at somewhat more favorably than Chapter 7, which allows you to erase many of your debts. You might still be able to qualify for a loan from one of these lenders, although your interest rates will almost certainly be higher than if you had perfect credit.
If you plan to get a mortgage soon, and you’re not already behind on your debts, it’s probably smart to steer clear of credit counseling. If you’re already in trouble, however, a good credit counseling agency might be able to help you get back on track.
4. Your FICO isn’t the only score you need to check
This came from lenders who thought the FICO score is offered by only one of the three credit bureaus: Equifax.
In reality, all three of the bureaus offer FICO credit scores using the formula developed by Fair, Isaac, but they each give the scores a different name. At Equifax, the FICO is known as the Beacon credit score. At TransUnion, it’s called Empirica. At Experian, it goes by the unwieldy title of “Experian/Fair, Isaac Risk Model.”
Complicating matters further is that you’ll probably have three different scores from the three different bureaus, largely because the bureaus don’t all share the same data. One bureau may list more accounts for you than another, for example, and the differences (in types of accounts, payment histories, credit limits and balances) will be reflected in the score that bureau computes for you.
Because of those differences, it does make sense to pull and examine your credit reports from all three bureaus before you apply for a big loan like a mortgage. Many mortgage lenders take an average of the scores from the three bureaus, or pick the lowest score, when making their decisions, so fixing errors in all three reports before you shop for a loan is smart.
When it comes to comparing your scores, however, you may be stuck. Equifax is so far the only bureau that makes it easy for consumers to get the same FICO score that lenders see. The scores typically provided to consumers by Experian and TransUnion aren't FICO scores, and they're different from the scores these bureaus provide to lenders.
But the ways you improve your credit score are the same in any case: Correct errors. Pay your bills on time. Pay down your debt. And apply for credit sparingly.
Monday, November 19, 2012
Other Ways to Establish Credit
You can find a lot of
Secured Credit Cards
Great! Secured Credit Card
$3500 Merchant Line of Credit
Shop for anything you need at
Zero Interest
Pay it off with rock bottom
Low Monthly Payments
over the next 5 months
They will report $3500 Credit Line
to all 3 Credit Bureaus
Repairing & Restoring Credit does absolutely NO GOOD unless you re-establish positive trade lines, keep your balances low, and pay your payments on time. And PLEASE don't get back in over your head.
Get more info on establishing credit at
Establish Credit with Secured Credit Cards
The most effective way to use your credit to maximize your scores the fastest without building debt. is to use your credit on things you already buy anyway... make it a rule. Example: Groceries, Gas, Cell Phone Bill, etc. Keep your balance below 25% so your score will go up. If you go over 25% be sure and pay it before the bill date (bill date balance is what shows on your credit report), and not the due date. I personally hate credit all together, but we need it to buy houses and cars and get good interest rates. As far as Credit Cards go... I have 1, and it is frozen in a block of ice in my freezer in case of an emergency. So I hate to tell you that you might need to get a secured credit card (revolving trade line) to re-establish your credit. But the truth is... you need a revolving line of credit to prove your credit worthiness faster. There are other ways such as opening CD's and taking secured loans out against the CD, but that is an installment loan. An Installment Loan will help your credit as well, but as I mentioned you need a revolving line as well. I listed many ways to establish credit below.
CREDIT CARDS ---Usually you will be unable to get an unsecured credit card with damaged credit. The accounts you may be approved for will typically have higher rates and low limits. Save interest fees by repairing & establishing your credit
Capital One® Secured MasterCard®
First Progress Platinum Prestige MasterCard® Secured Credit Card
The First Progress Platinum Elite MasterCard® Secured Credit Card
Capital One® Secured MasterCard®
Get the credit you need with no processing fees or application fees
22.9% (V) APR - Annual Fee $29
First Progress Platinum Prestige MasterCard® Secured Credit Card
Get Approved Fast - Just Click to Start the Process!
11.99% Merchandise APR - Annual Fee $44 
Get Approved Fast - Just Click to Start the Process!
11.99% Merchandise APR - Annual Fee $39
The First Progress Platinum Elite MasterCard® Secured Credit Card
Get Approved Fast - Just Click to Start the Process!
19.99% Merchandise APR - Annual Fee $29
Better Than Prepaid...Start establishing your Credit TODAY!
9.99% Fixed APR - $50 Annual Fee
Better Than Prepaid...Start establishing your Credit TODAY!
9.99% Fixed APR - $50 Annual Fee
No Credit Check... Start establishing your credit TODAY!
14.25% Variable APR - $50 Annual Fee
ZERO - 0% FIXED APR on purchases - No Intro Rates!
The Continental Finance Matrix Discover® credit card
accepts individuals of all credit types
Find alot more information about establishing credit at
Top Credit Repair Companies
| American Dream | http://www.credit4homes.com/ |
| Lexington Law | http://www.lexingtonlaw.com/ |
| CreditRepair.com | http://www.creditrepair.com/ |
| Sky Blue Credit Repair | http://www.skybluecredit.com/ |
| Ovation Credit Repair | http://www.ovationcredit.com/ |
| Credit Assistance Network | http://www.creditagenda.com/ |
| Garranteed Solutions | http://www.garranteedsolutions.com/ |
| Credit Repair Resources | http://www.crr760.com/ |
| Aggressive Credit Repair | http://aggressivecreditrepair.com/ |
| Allied Credit Solutions | http://www.alliedcreditsolutions.com/ |
| Commonwealth Credit Repair | http://www.creditcaptain.com/ |
*** The Reason American Dream is listed 1st is because they are centered around Home Ownership...
They provide a Guaranteed in writing Home Loan or you get your money back.
Visit our Credit Repair Section for alot more information including rankings, phone numbers, etc
www.dfwhomeownership.com/Credit-Repair.html
Great List of Real Estate Companies
|
Check out more Real Estate Companies & Realtors at
http://www.dfwhomeownership.com/Real-Estate.html
and it list all of the Phone #'s, Logos, & everything
Great List Of Apartment Locators
Find other Great Information on getting a "Roof Over Your Head" at www.DFWHomeOwnership.com
Real Estate, Mortgage, Apartment Locators, Property Management Companies, etc.
#1 Rated Real Estate Company
#1 Rated Real Estate Company
They also have several of the top rated Realtors according to D Magazine
Visit www.DFWHomeOwnership.com to see who the other Top Real Estate Companies & Mortgage Companies are.
Sunday, November 18, 2012
Mortgage Calculator
Live Streaming Mortgage Rates
Establishing OR Re-Establishing Credit Do's & Dont's
Establishing OR Re-Establishing Credit
The most effective way to use your credit to maximize your scores the fastest without building debt. is to use your credit on things you already buy anyway... make it a rule. Example: Groceries, Gas, Cell Phone Bill, etc. Keep your balance below 25% so your score will go up. If you go over 25% be sure and pay it before the bill date (bill date balance is what shows on your credit report), and not the due date. I personally hate credit all together, but we need it to buy houses and cars and get good interest rates. As far as Credit Cards go... I have 1, and it is frozen in a block of ice in my freezer in case of an emergency. So I hate to tell you that you might need to get a secured credit card (revolving trade line) to re-establish your credit. But the truth is... you need a revolving line of credit to prove your credit worthiness faster. There are other ways such as opening CD's and taking secured loans out against the CD, but that is an installment loan. An Installment Loan will help your credit as well, but as I mentioned you need a revolving line as well. I listed many ways to establish credit below.
Visit our website... www.DFWHomeOwnership.com
The most effective way to use your credit to maximize your scores the fastest without building debt. is to use your credit on things you already buy anyway... make it a rule. Example: Groceries, Gas, Cell Phone Bill, etc. Keep your balance below 25% so your score will go up. If you go over 25% be sure and pay it before the bill date (bill date balance is what shows on your credit report), and not the due date. I personally hate credit all together, but we need it to buy houses and cars and get good interest rates. As far as Credit Cards go... I have 1, and it is frozen in a block of ice in my freezer in case of an emergency. So I hate to tell you that you might need to get a secured credit card (revolving trade line) to re-establish your credit. But the truth is... you need a revolving line of credit to prove your credit worthiness faster. There are other ways such as opening CD's and taking secured loans out against the CD, but that is an installment loan. An Installment Loan will help your credit as well, but as I mentioned you need a revolving line as well. I listed many ways to establish credit below.
Visit our website... www.DFWHomeOwnership.com
American Dream Seminar Videos
American Dream Consulting, LLC
WATCH COMPLETE 1hr. and 5 Min. Home ownership Seminar by clicking on this link
WELCOME VIDEO
POST SALE THANK YOU VIDEO
Visit our website... www.DFWHomeOwnership.com for information on American Dream and other Real Estate & Mortgage NEEDS.
WATCH COMPLETE 1hr. and 5 Min. Home ownership Seminar by clicking on this link
WELCOME VIDEO
POST SALE THANK YOU VIDEO
Step 1 enroll in the program, let our realtors know what you're looking for, and our realtors will help you find a home. SO we get you into the home 1st, and while you’re living in the Home, We have a fully staffed Credit Repair Dept with attorney. We will repair and restore your credit while you’re living in the home. We not only dispute items on your credit bureau, our attorneys also go after the creditors and collection agencies and make them verify the contracts, signatures, dates, etc. More important than repairing your credit, we help you to establish new lines of positive credit. We also show you the most effective way to use your new credit to maximize your credit scores without building debt. We provide you with finance and budget consulting (financial planning). We provide you with mortgage counseling.
Then we provide you with a GUARANTEED in writing HOME LOAN. You can either buy the home we get you in originally or you can buy any home you want. You can have a home built if you like. You can even take advantage of the foreclosure market with one of our foreclosure specialist. It is up to you! Your past credit doesn't matter!!! This is a fresh start.Contact American Dream today for a free consultation! 214-628-9878 OR www.Credit4Homes.com
Visit our website... www.DFWHomeOwnership.com for information on American Dream and other Real Estate & Mortgage NEEDS.
VA Loans for Veterans
VA Loans
You have to have served at least 90 days without being dishonorably discharged. Medical discharges are allowed.
Thanks to all the Great Men & Women who served this Great Country.
Veterans United
800-884-5560
*************************************************************************************
VA Mortgage Center
800-405-6682
*************************************************************************************
VA Mortgage Direct
VA Loan Specialists - Texas VA Lender
800-595-4230
Visit our website... www.DFWHomeOwnership.com for more information on VA Loans
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