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The Confusion Is Over!

There's no need to wonder if you can get approved for a home. With over 30 years in the real estate industry, I get the Right People in the Right Home with the Right Loan! In as little as 30 minutes you'll have a clearer picture of what your options for home-financing truly are...
Contact Pat Today!

How to Dispute a Credit Report

How to Dispute a Credit ReportA credit report is a record of your financial history, including your use of credit, your income, where you’ve lived, where you’ve worked, bankruptcies, defaults, foreclosures, and much more. It also contains your Social Security number and the account numbers for your credit cards, bank accounts, brokerage accounts, and mortgages. Sometimes, mistakes creep in, and it’s up to you to correct them.

In the U.S., the Big Three credit reporting agencies (CRAs) — Equifax, Experian, and TransUnion — compile credit reports and distribute them to lenders, creditors, landlords, employers, and others who need to assess your creditworthiness. The reports also form the basis of your credit scores which encapsulate your creditworthiness in a single number – actually, three numbers, one from each CRA.

[Read More…]

3 Common Credit Issues and How You Can Fix Them

Credit Score IssuesYour credit history can determine if you can get a loan, and even where you live or work. Credit scores are built from your credit history and can determine how much you pay to borrow money for a car or house. Yet, many people don’t know where to start when it comes to building, improving, or protecting their credit history. Three common credit problems are:

  • Lack of enough credit history
  • Denied credit application
  • Fraud and identity theft

Here are some tips on how to deal with these issues.
[Read More…]

5 Tips to Avoid Being a Victim of Wire Fraud

Tips on How to Avoid Wire FraudWith so many transactions happening online, it can be easy to get complacent. Don’t. These days, fraud and scams are everywhere and it’s your responsibility to safeguard yourself and your clients. What does that mean?

INFORM YOUR CLIENTS ABOUT WIRE FRAUD!

Tips To Avoid Wire Fraud

1) Call, Don’t Email

Confirm all wiring instructions by phone before transferring funds. Use the phone number from the title company’s website or a business card.

2) Be Suspicious

It’s NOT common for title companies to change wiring instructions and payment info via email. [Read More…]

Protecting Your Credit After The Equifax Data Breach

protect creditAs you may be aware, there has been a data breach at Equifax. There were 143 million people whose personal information was exposed.

Here are the facts, according to Equifax. The breach lasted from mid-May through July. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

The information is evolving, but in the meantime here are… [Read More…]

Credit/Debt Consolidation Vs. Negotiation

Understanding Credit Counseling with Credit/Debt Consolidation VS. Debt Negotiation VS. Credit Repair

Consumer Credit And Debt CounselingFinding the appropriate credit solutions for your challenged credit situation can be confusing, tricky, and can affect your debt and credit differently.

It is extremely imperative that before you commit yourself to a specific direction, to regroup your credit. You should be aware of all the benefits, consequences and risks (immediate and in the future) that are involved with the choice that you make.

This article will provide you insight to the consequences benefits and risks of each choice. [Read More…]

GET IN TOUCH WITH US

Whether you're a hopeful home-buyer, seller, agent, title-company, or other real-estate professional, we're glad to answer any questions you have about us or alternative home-financing options.

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Pat Billheimer, NMLS #1172852
LO #092673
AZ License #MB-0903024
3850 E Baseline Rd #115
Mesa, AZ 85206

Phone: 866-229-1418
Cell: 480-878-3633
Efax: 480-800-6547
Email: pat@RER-online.com

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