http://www.articlealley.com en-us editorial@articlealley.com Nowadays balance transfer credit cards have become more popular as way for consumers to lower rates and payments on their debts. Mortgages are harder to qualify for and home equity lines are reserved for elite borrowers with tons of equity.  Without t... http://www.articlealley.com/article_626097_27.html 08th September 2008 The Credit Cardholder's Bill of Rights Act recently cleared the House Financial Services Committee last week and is garnering support from both sides of the aisle. This bill is designed to protect consumers from “unfair and deceptive” practices that t... http://www.articlealley.com/article_607624_19.html 22nd August 2008 It seems like every day we read about another mortgage company being taken down for fraudulent activities. As the market tightens, banks have begun raising their standards for those people that can qualify for a mortgage. This affects the many mortgage... http://www.articlealley.com/article_606658_33.html 22nd August 2008 The epidemic of home foreclosures, higher gas and food prices have stretchered the average consumers budget to the max. According to Trans Union and Equifax, national credit scores are steadily dropping at a higher rate than they have seen in the last ... http://www.articlealley.com/article_600721_24.html 16th August 2008 Most people are unaware of the “two cycle” billing method used by many credit card issuers today. This billing method actually makes consumers pay interest twice for charges that they put on their credit cards. Two cycle billing can even apply to t... http://www.articlealley.com/article_599670_19.html 15th August 2008 With the prime rates as low as they are right now, low interest rate credit cards aren’t hard to find when shopping online. The trick though, is being able to separate the best credit cards from the best looking credit cards. Card issuers figured out... http://www.articlealley.com/article_597148_47.html 13th August 2008 If you were to listen to the local press or local politician opining about payday loans you probably have a pretty negative image of what they are. However, have you ever stopped and thought about the people who speak out against payday loans? Most of the... http://www.articlealley.com/article_592546_19.html 29th July 2008 Parents are turning to credit cards for their kids in record numbers all across the nation. For good reason too, they’re safer than cash and they allow parents to easily track their kids spending habits. That being said, the question is, what type of ca... http://www.articlealley.com/article_589916_27.html 25th July 2008 Average credit cards are usually low on features and carry higher rates when compared to other credit cards. Most of the credit cards that consumers will find online are designed for people with very good credit or poor credit. However, in today’s marke... http://www.articlealley.com/article_587154_19.html 23rd July 2008 Many people are aware that the Government has passed regulations that regulate how credit collection companies can operate. However, very few people are aware of how they can apply these regulations to their advantage when dealing with a collection compan... http://www.articlealley.com/article_584860_27.html 22nd July 2008 Direct Banc - The U.S. Senate is currently considering a bill which could possibly save consumers that use credit cards on a regular basis. The Bill, Credit Card Fair Fee Act, sponsored by U.S. Senator Dick Durbin (D-IL), contends that credit card issuers... http://www.articlealley.com/article_569973_19.html 05th July 2008 With gas prices skyrocketing, millions of people are flocking to gas cards to help with the rising fuel cost. Gas cards are brand specific credit cards that offer consumers rebates and rewards for using their credit card.  Like most credit cards that ... http://www.articlealley.com/article_569075_19.html 03rd July 2008 In late 2006 the economy was showing indicators that pointed to a looming mortgage crisis that would ultimately disrupt the flow of business in the secondary market. Investors, who are essential to the flow of money, basically ignored the warning signs b... http://www.articlealley.com/article_568188_15.html 01st July 2008 Credit card issuers are reacting to the recent trend of lower credit scores across America. In the wake of the current mortgage crisis consumer’s credit scores have been steadily falling in certain segments of the population. This means that the competi... http://www.articlealley.com/article_563919_27.html 26th June 2008 Many people believe that the best mortgage deals are no longer available for the average consumer that is shopping for a mortgage in today’s economy. That may be true if you cannot prove your income or have had a bankruptcy in the last two years. Howev... http://www.articlealley.com/article_561919_19.html 23rd June 2008 FHA Closing costs differ from conventional mortgages by the amount the lender can charge and the amount of insurance coverage homeowners are required to have. FHA mortgages are the last of the government sponsored mortgages. Fannie and Freddie started out... http://www.articlealley.com/article_560585_33.html 21st June 2008 Today more and more people are turning to balance transfer credit cards to help save money. With mortgage companies being fickle about whom they loan money to, and gas prices at $4 bucks a gallon people’s credit card balances are stacking up. Fortunatel... http://www.articlealley.com/article_559877_19.html 20th June 2008 Unnecessary closing costs are charged to unsuspecting borrowers on almost all mortgages that close. Closing costs can be broken into three general categories, costs that the lender charges, costs that third parties charge and money that is paid on your be... http://www.articlealley.com/article_559876_33.html 20th June 2008 There are many techniques to negotiating a new home purchase. Almost everyone has their own brand and approach to negotiating, as evidenced by the dozens of books written on the subject. There really isn't a right or wrong way to negotiate as long as yo... http://www.articlealley.com/article_556006_27.html 13th June 2008 America’s two largest mortgage controllers, Freddie Mac (FMLC) and Fannie Mae (FNMA) recently agreed to enact tougher standards on appraisers and lenders beginning in January 2009. FMLC and FNMA buy mortgages from all facets of the mortgage in... http://www.articlealley.com/article_549817_19.html 02nd June 2008 The looming mortgage crisis has affected almost everyone in all facets of life. When the homes stop selling the builders stop building, the carpenters stop nailing, the painters stop painting, paint stores stop selling and Home Depot stock hits record low... http://www.articlealley.com/article_545730_19.html 23rd May 2008 Slowing foreclosures have given a spark of optimism to investors on Wall Street who see the trend beginning to slow down. For the last year the foreclosure rate has steadily risen month by month over the previous year’s month of foreclosures causing spe... http://www.articlealley.com/article_543267_19.html 21st May 2008 It’s the same ole same ole, sound-bites and finger pointing as to who can solve the mortgage crisis plaguing American homeowners. During an election year it’s harder than usual to separate the malarkey from the earnestness of the politicians on thi... http://www.articlealley.com/article_516392_33.html 13th April 2008 With all of the foreclosures and bankruptcies that are being triggered by the subprime mortgage crisis why don’t lenders just put all of these homeowners in better loans?  We are asked this question on our mortgage blog quite often. It’s a reasona... http://www.articlealley.com/article_514862_19.html 10th April 2008 As the baby-boomers prepare for retirement reverse mortgages are going to be the next mortgage boom according to most analyst.  The baby boom began in 1946 and continued through 1964. During those 19 years, 76 million people were born. As this segment... http://www.articlealley.com/article_514069_33.html 09th April 2008 It’s an epidemic that hasn’t been seen since the great depression; houses are being foreclosed at three times the normal rate in some counties across America. As a result of this sudden rise in foreclosures a new type of business has sprung up with... http://www.articlealley.com/article_514068_33.html 09th April 2008 I just read an article that is titled "Taking a hard line on rewriting the bankruptcy code" by Edward L. Glaeser, a professor economics at Harvard University. I am in awe at how well it summed up the mortgage crisis in one short article. I am a retired... http://www.articlealley.com/article_511761_19.html 07th April 2008 Credit scores are the determining factor on how good the deal is for most of the major purchases we make in life. Managing your credit wisely can save thousands of dollars over one's lifetime and even contribute to a comfortable retirement. Think about... http://www.articlealley.com/article_510970_19.html 07th April 2008  Everyone by now is aware of the looming mortgage crisis and has probably added their two cents as to its cause and effect on the financial world. Having been in the mortgage business a little over ten years I have read most of the press that is cover... http://www.articlealley.com/article_509985_33.html 07th April 2008 Airline miles and frequent flyer credit cards can be a great way to save money on vacations and airline tickets. As with most products, knowing the differences between the products that are available is the key to making sure you get your best deal. Th... http://www.articlealley.com/article_508916_19.html 04th April 2008 Most would-be credit card owners these days have a bruise or two on their credit report and feel they may not qualify for low interest credit cards. Depending on the problem that appears on their bureau they very well may be right. However, a large sec... http://www.articlealley.com/article_508023_19.html 03rd April 2008 When getting quotes from competing lenders it’s always hard to know who’s telling the truth and who is giving the real interest rate when they quote you. To be completely sure you really do need to ask several lenders to quote you to be sure you ar... http://www.articlealley.com/article_504071_19.html 02nd April 2008 National home sales rose 2.9% in February giving hope to the nationwide slump in house sales. Savvy home buyers are beginning to realize that one man’s misfortune can be another man’s fortune. Foreclosed homes are the main force driving this welcome ... http://www.articlealley.com/article_503139_19.html 02nd April 2008