Please forward this to anyone you care about who has filed for bankruptcy. Many Americans find themselves bogged down with a bad credit rating for the wrong reason -- illness, losing a job, or simply not understanding consumer credit. Sometimes bad financial situations happen to good people and bankruptcy is the only way out. But it's not all doom and gloom -- there are a number of strategies for putting your credit back on track and getting approved for a mortgage, even after bankruptcy. Going from one financial institution to the next, only to be declined again and again can be very frustrating, which is where an experienced mortgage consultant on your side can make all the difference. Here are 10 factors to consider. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Buying your first home isn’t as simple as visiting a few realtor open houses. What you do before you start shopping can help ensure you make a decision you can comfortably live with for years! Here are 3 essential steps to take before going home shopping. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Ok, today we are going to talk about three easy, but crucial repairs you must make before selling your home. Making your house as presentable as possible is the best way to achieve a quick and profitable sale. However, you don’t have to make expensive repairs that will force you to raise your asking price. Often, inexpensive but highly-noticeable improvements—combined with good staging—will get you the buyers and sale you want. Here are the 3 most important things to fix before listing your home. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Ok, today we are going to talk about saving for a down payment and how to know when you can afford to buy a home. Experts say the cheapest, most efficient way to buy a house is to make a 20% down payment. But today, that’s a huge amount of money! Here are 4 factors to consider when determining if you can afford to buy. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Many of the world’s wealthiest people got that way by investing in real estate. But it’s difficult to come up with the hefty 20% down payment required to buy an investment property. Here are 6 ways to make investing in real estate more affordable. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

OK, today we're going to talk about how to get ahead financially. With the volatility in today’s markets and the huge number of choices available in equities and mutual funds, it’s almost impossible for us to securely and profitably manage our own investments. But choosing the right financial advisor isn’t easy either. Here are 3 questions to help you make the right choice. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Ok, today we are going to talk about 3 things you should never do if you want a good credit score. No matter how high your credit score is, you can always benefit by helping it get higher. The trouble is some of the things people do to raise their score can actually lower it. Here are 3 major DON’Ts. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Ok, today we are going to talk about the added costs that most homebuyers don’t realize when purchasing a home. Your home is probably the biggest purchase you’ll ever make. But the expenses don’t stop with the price. Here are some additional costs you need to budget for. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

OK, today we’re going to talk about how to achieve your goals. Any chump can set a goal. But it takes a champ to achieve it! So, what separates the champs from all the rest? I’m glad you asked. Here are 5 simple steps to achieve any goal. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Ok, today we are going to talk about a few ways to save money in under 30 minutes. After all, saving money doesn’t have to be time-consuming. Here are 5 quick and easy ways to start saving right now. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Renovating your home can be an effective way to increase its resale value. But not all renovations are created equal—and none are guaranteed to repay 100% of their cost. However, by renovating strategically, you can increase your selling price enough that a significant portion of the renovation costs are passed on to the future owner. Here are the Top 10 renovation projects, ranked by average payback as a percentage of cost. If you're looking for a top-notch mortgage advisor in San Diego, call us at (619) 797-6555.

Ok, today we are going to talk about how you can use your cell phone bill to increase your credit score. As with most credit contracts, your monthly cellphone bill can show up on your credit report. Here are 3 steps to using your cell phone bill to get a higher credit score.If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

As you may know, credit reporting agencies collect all the data on your loans, lines of credit and credit cards to create your credit report and calculate your credit score. This information is then used by lenders—including mortgage lenders—to determine whether you’re a good credit risk. What many people don’t realize is that cellphone bill payments can also have an effect on credit rating. Here's how your cell phone impacts your credit. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Robert Kiyosaki is an American multi-millionaire investor who made his fortune through something he calls the Cash Flow Quadrant. Have you ever noticed that in today’s economy, while the middle class is struggling in a tough job market, some entrepreneurs just keep getting richer? Here’s how the Cash Flow Quadrant explains that situation. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Buying a home in a new real estate development can be exciting! However, there are important things to be aware of before you sign the contract. There’s nothing like turning the key on a brand-new home that’s never been lived in. But buying in new a real estate development isn’t the same as buying an existing house. Here are 5 tips for buying in new real estate development. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Are you considering buying a new home or investment property in the near future? Buying a home is a major investment no matter how you look at it. But for many homebuyers, it's even more complicated and costly than it needs to be because of blind spots where they are lacking critical information--information that can literally make or break their chances of buying their dream home or add tens of thousands of dollars in unnecessary costs or countless hours wasted in fruitless activity. It's crazy! Homebuyers are, in many cases, making the biggest investment of their lives without any step-by-step roadmap for success. In response to this obvious need, we've decided to create a brand new homebuyer guide titled, "15 Homebuyer Mistakes And How To Avoid Them". We don't have time to get into all fifteen of them now, but here's one BIG mistake you MUST avoid. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Ok, today we are going to talk about how to buy a home, even if you have bad credit. Obviously, if you have good credit, it’s easier to qualify for a mortgage. But that doesn’t mean home ownership is out of reach if you have bruised credit. Here are 5 ways to qualify for a mortgage (even if you have less than perfect credit). If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Ok, today we are going to talk about everything you need to know about closing costs. Buying a home involves more expenses than just the price of the property itself. One category of expenses that most people forget to budget for is closing costs. Here are 8 closing costs every homebuyer needs to know. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

It’s no coincidence that most wealthy people got rich by owning real estate. After all, real estate is the #1 millionaire-maker in the world! Here are 7 ways to create wealth with real estate. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.

Ok, today we are going to talk about how you can protect your home while you are away on a vacation. At this point, you’ve made your plans, booked your trip and are looking forward to a week or two away from work. But while you’re thinking about what to pack, give some thought to home security. Is your home protected while you are away? Do you have a security camera or neighbors looking out for you? Here are 7 steps to protect your home while you are away. If you're looking for top-notch Mortgage Advisor in Concord, call us at (416) 342-1480.