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I have Collection Agencies Calling Me, How Can I Pay these Debts Off?
Answer:
The first step is to acknowledge any debts you owe.  Write everything down on paper – it’s time to make a budget.
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What is a Beacon Score?
Answer:
A Beacon Score is a number derived  from a trademarked credit scoring software program. This program is utilized by creditors to assist in determining if an applicant will pay on time. If your Beacon Score is high, you’re considered to be a low risk for a lender. If your Beacon Score is low, you’re considered to be a high risk for a lender.
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What is a Graduated Payment?
Answer:
A graduated payment mortgage is a home loan that offers low initial payments. Over time, the mortgage payments gradually increase and become fully amortized. Payment increases occur on an annual basis for 5 to 15 years, and the percentage of increase is predetermined. While this type of home loan is beneficial and allows borrowers to purchase more expensive homes, there are specific risks that should be considered.
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