Smart Borrower Center
Advice and tools
to help you borrow smarter!

Ask The Expert

1. Buy vs. Rent

2. The Loan Process

3. Pre-qualified versus Pre-approved

4. How do I know how much I can afford?

5. Low Credit Score Loans

6. Applying for a mortgage and car loan

7. What is PITI ?

8. Explain all these acronyms to me please

9. Employment required for a mortgage

10. Can I get a mortgage with a low down payment?

11. How does a Mortgage Lender Decide to Lend me Money for a New Home?

12. If I'm Turned Down, Will You Tell Me Why?

13. Can I Purchase A Home Without  An “A” Credit Rating?

14. Can Information Be changed or removed from my credit report?

15. If I tell the credit Bureaus that I'm trying to improve my credit history, won't they try to help me?

16. How about writing a letter explaining my credit problems for the credit bureaus to include with my credit report to those who request it?

17. I tend to always accept low interest rate credit card offers that I get in the mail, switching balances about 4 times a year.  Can this harm my rating?

18. What can I do to stop getting these unsolicited credit card offers?

19. I’ve been late several times in paying off a credit card account...

20. If I pay off my delinquent accounts, will my credit report greatly improve?

21. Will filing for bankruptcy start me on a clean slate?