Here are some tips we would recommend to get you out of debt before you can turn it in, but you will now have it on your credit report. Credit bureaus expect borrowers to shop around for a home mortgage lender is to ask another home buyer for a referral. Also, escrow officers and real estate agents know home mortgage lenders who close mortgage loans efficiently in a timely manner. Avoid advice from agents or others who receive a kick-back commission for referring you, as you may pay for this referral with added charges to your mortgage loan. Once you find an outstanding home mortgage loan officer, establish a long term relationship for repeat business and better service. One of your most important connections is your home mortgage.

Eric Kinney, President

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May 2007

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