home :: Securities Financing :: Mortgage Loan Modification

Back

Site Map


fi·nan·cier

Pronunciation: "fi-n&n-'sir;
f&-"nan-, "fI-

Function: noun 1 : one who specializes in raising and expending public moneys;
2 : one who deals with finance and investment on a large scale.

Divorce, Who Gets the House? Who Gets the Mortgage?


DOCUMENTATION you
will be asked for

What is Title Insurance and Why am I aying for it?

PATRIOT Act


Links to Site

 

Add Georgia Mortgage Money.Com
to your favorites



Are you eligible for Safe Harbor Mortgage Modification Under President Obama's new plan?  9 Million mortgage holders are!

Take control of YOUR home loan and create your BANK READY Mortgage Loan Modification Package.

 

Pallas Financier
hedgelender stock loans
Authorized HedgeLender Agent

Employee Stock Options

Margin Loan Rescue

Expanding Business Financing

Real Estate Purchases

Diversify Investments

Margin Loan or HedgeLoan?

Thank You letters || Testimonials

notes about other deals that went south

Close the deal at
your PC in your PJs

Patricia Miranda Interviews
Traci Gregory on web applications


FHA Streamline Refinance

USDA Rural Development Loans - 100%

PREQUALIFICATION
Calculator
PAYMENT Calculator
INTEREST ONLY
PAYMENTS Calculator

Closing Costs

Contact Us
Facts You
Should Know
Glossary

The Process
Your Credit
Clark Howard
on Credit Reporting

resources

Divorce: When a Marriage Ends,
Who Gets the House

Telehealth Conference Your Physician

FACT ACT - Free Annual Credit Report

Many major provisions of the FACT Act go into effect 12/1/2004. This law amends the Fair Credit Reporting Act (FCRA).

Our Credit Reporting Bureau's Merge Reports will include all new alerts and information conveyed by the nationwide credit bureaus, including:

Initial fraud alerts, Extended fraud alerts and associated consumer statements
Active-duty military alerts
Address mismatch indicators


Our reports will also include the "fifth score factor" if the bureaus send one. The "fifth score factor" is a message indicating that inquiries negatively impacted the borrower's credit score, but were not among the top four factors provided with the usual reason codes. This message may appear even if inquiries were a very small factor in the score calculation. If inquiries did not negatively impact the score there will be no "fifth factor" message. There will also be no "fifth factor" if inquiries are already noted in the top four factors negatively impacting the score. If inquiries do appear as a "fifth factor" this will be listed immediately beneath the top four factors.

The FACT Act grants an annual free credit report to all consumers. The three nationwide consumer reporting companies – Equifax, Experian, and TransUnion – have established a Web address, toll-free telephone number, and postal address consumers can use to request a free annual credit report.

Beginning December 1, 2004, consumers in 13 Western states will be able to begin making requests by visiting www.annualcreditreport.com, calling 877-322-8228, or mailing a standardized form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The 13 eligible states are Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington, and Wyoming.

Free annual reports will be phased in across the country from west to east over a nine-month period. After September 1, 2005, all U.S. consumers will be eligible to request a free report from the nationwide consumer reporting agencies. If you have questions about this new opportunity to obtain your credit reports for review, you may get the FTC's new Facts for Consumers Brochure, "Your Access to Free Credit Reports," which is available online at www.ftc.gov/bcp/conline/pubs/credit/freereports.htm.

We hope this information is helpful to you. This information is not intended to be legal advice, and should not be relied upon as such.

 

* Programs, Rates & Terms subject to change without notice;


GeorgiaMortgageMoney.Com

 © 1999-2009 tgregory & GeorgiaMortgageMoney.com. All Rights Reserved.
GeorgiaMortgageMoney.Com is an intellectual property owned and operated by Traci Gregory


Corporate Office: HomeStar Financial Corporation | 848 Jesse Jewell Parkway | Gainesville,GA 30501
A Georgia Residential Mortgage Licensee, #17368

equal housing lender

atlanta mortgage
atlanta mortgage
atlanta mortgage
Cobb Chamber of Commerce Member
Georgia Association of Mortgage Brokers Member
National Association of Professional Mortgage Women Member
National Association of Mortgage Brokers Member

Georgia Mortgage Money - Do It Yourself Mortgage Loan Modification Forms
Pallas Financier LLC your Source for HedgeLoan® securities financing. Interest-only, fast closing. HedgeLender.