Negative Equity Rates Falling

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Negative Equity Rates Falling

Zillow’s most recent report states that the percentage of homes with negative equity in metro Denver fell to 9.7 percent in the second quarter of 2014, a substantial drop from the second quarter of 2013, when the negative equity rate in the area was 15.3 percent. Metro Denver’s negative equity rate has fallen 70 percent […]

Foreclosure versus Short Sale

In these difficult economic times, I am commonly asked whether it would be better to have a short sale or a foreclosure on ones credit report. The answer is complicated and has lot of moving parts.  A short sale shows up on your credit report as a “derogatory report”; however, it will usually show up […]

Steps To Get and Keep a Good Credit Score

Pay your bills on time- Pay your bills on time, every time! One way to make sure your payments are on time is to set up automatic payments on the creditor’s website or from your banking institution. Make sure that you have enough funds to clear the account, otherwise the account will show late. Also, […]

Surprising tips to raise your credit score

Here are powerful tips to raise your credit score  We recently read an article on MSN.com that outlined tips to increase your credit score.  As you all know, we believe that knowledge is power, and that is why we live by our motto:  “Knowledge is Key.”  In the article, “Credit score tips that don’t make […]

Reverse Mortgages – The First of the Five Most Important Loan Program

What are some of the best loan programs available today? Remember that Knowledge is Key – and we want you to know about all the various loan programs available to you. We want you to choose the loan program that will best serve your long-term needs.   Over the next few weeks, we will publish guest […]

Credit Scores and Reports — Knowledge is Key!

Your credit report shows information about how you have used credit, such as how much credit you have, how much of your available credit you are using, whether you have made your payments on time, and whether anyone has sent a loan you owe to a debt collector.A credit score is a number that is […]

Buying a House? Don’t Buy a Car – or Did You Already Buy One?

When an individual’s income starts growing and they manage to set aside some savings, they commonly experience what may be considered an innate instinct of modern civilized mankind: the desire to spend money. Since North Americans have a special love affair with the automobile, this becomes a high priority item on the shopping list. Later, […]

IRS to give Tax Lien holders a Break!

Up until now a tax lien, paid or unpaid could haunt your credit report for a long time. Depending on what state you live in, a paid tax lien could stay on your report for 7-10 years and an unpaid lien could stay on indefinitely.  The IRS announced in February they’re about to give those […]

Do’s & Don’ts During The Loan Process

When you fill out a credit application, your mortgage broker will run a credit report for the underwriter. Each lender and each loan program has different guidelines they must follow. You should not do anything that will have an adverse affect on your credit score while your loan is in process. I know it’s tempting… […]

What You Don’t Know About Credit Could Hurt You

Here are 5 major factors that could hurt your credit score:

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ALARIS Properties LLC, 25958 Genesee Trail Rd, Golden, CO 80401

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