Living the Dream!

I thought this was an excellent article on how the government got us into the housing crisis and now it is applying the same failed strategy to try to fix the auto industry. Dave Ramsey's Article What is the definition of insanity? Doing the same thing over and over and expecting different result...

Todays Featured Rates30 Year Fixed Rate Rate APR Points 5.875% 6.009% 0.000%15 Year Fixed Rate Rate APR Points 5.500% 5.723% 0.000%Actual interest rates and APR's may vary based on credit history and specific loan product. These rates are effective as of today, May, 5 2008 and are subject to chan...

The Federal Reserve is blowing it. Inflation is at 4% and they continue to dig an economical pit by cutting rates. Some of the very best CD rates are barely at 4% right now and that is for 50+ months. So if you have your money in most accounts then you are losing money. Prior to this week, the Fe...

Getting students educated on the FICO credit scoring system is not a priority in the school system. Neither is it in almost all industries. The reasons for this can vary but the major one is that we are not provided with specifics on exactly how the scoring model works. This is done on purpose to...

Your FICO credit score is based on a mathematical equation that is risked based. People sometimes get frustrated because the difference between a 679 and 680 can mean .25% on their rate. There is a major reason for this as the risk of lending a loan is greater now then ever. So new pricing adjust...

Todays Featured Rates30 Year Fixed Rate Rate APR Points 5.75% 5.883% 0.000%15 Year Fixed Rate Rate APR Points 5.375% 5.598% 0.000%          Actual interest rates and APR's may vary based on credit history. These rates are effective as of today, May, 2 2008 and are subject to change. Please contac...

Well... here it is, the eve of May 1st and we are at 32 degrees with the ground covered in snow. I have been putting off pulling out my camera because of this horrendous winter/spring we have had.  © 2009 Jeff Fullmer    I am ready for the shutterbug to bite, I hope the lingering cold/snow does n...

40 Points to live by:1.   Take a 10-30 minute walk every day and while you walk, smile. It is the   ultimate anti-depressant.2.   Sit in silence for at least 10 minutes each day. Buy a lock if you have to.3.   Record your late night shows and get more sleep.4.   When you wake up in the morning co...

Todays Featured Rates30 Year Fixed Rate Rate APR Points 5.825% 6.009% 0.000%15 Year Fixed Rate Rate APR Points 5.625% 5.849% 0.000%          Actual interest rates and APR's may vary based on credit history. These rates are effective as of today, Apr, 25 2008 and are subject to change. Please cont...

I have seen and used various online calculators over the year.Prior to being in the lending industry I thought that calculating a loan payment was easy. Principle and interest is fairly simply and I was excited to find out how low of a payment I could get.Then I owned my first home and realized t...