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Minorities Denied Mortgages? PDF Print E-mail
Written by AmericanElephant.com   

According to this article, minorities in my neck of the woods are denied mortgages at twice the percentage of whites. The articles makes the leap that "the primary factor appears to be minority status."

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Displacing Blame PDF Print E-mail
Written by AmericanElephant.com   

When I got to the office this morning, my brother (and partner in the family business) told me to go to Yahoo and watch this video. I did, and thus starts another lovely day in the mortgage business.

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Hidden Rate Increase PDF Print E-mail
Written by AmericanElephant.com   
Today I received a relatively thick envelope from Bank of America, as I'm sure many other people have or soon will. The terms of my BofA Credit Card (formerly an MBNA Credit Card) are changing at the start of next year, and Bank of America was notifying me of the changes as required by law.
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More Than A Score PDF Print E-mail
Written by Administrator   

A credit report is more than a score. Most mortgage credit reports are called "tri-merges," meaning they are combinations of credit reports from the three major credit bureaus (Experian, Equifax, and Trans-union). And while they provide your three scores, a tri-merged report gives you much more information than that.

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Stay Out... PDF Print E-mail
Written by AmericanElephant.com   
So the drumbeat against mortgage brokers is about to ratchet up an additional notch as the President announces plans on broadening the FHA's role, increasing government regulations on mortgages, and tightening the noose on mortgage brokers.
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Where Are The Journalists? PDF Print E-mail
Written by AmericanElephant.com   

Everytime I read or listen to a story about the current mortgage crisis, I find myself yelling at the tv or laptop screen wondering where the standards of journalism have gone.

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Perfect Storm PDF Print E-mail
Written by AmericanElephant.com   

When various weather events coincide to create a massive cataclysmic event, it is called a perfect storm. It is a rare occurrence, but very devastating.

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