when you start a mortgage purchase, you will hit a wall of spam

Credit Bureaus, Trigger Leads, and Spam

By moonrocket / October 17, 2022 /

When you sign on the line to purchase your new home, a process starts that very few people know about. That process is called a “trigger lead.” A “trigger lead” leads to spam that works to confuse new homeowners in an attempt to worm into your wallet. It works like this. When your credit is pulled, the…

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Help fix my credit!

By moonrocket / September 23, 2022 /

If you’re reading this, we want you to know that you’re not alone! Inflation has pinched everyone’s budget, and more people are turning to credit cards to pay bills, cover rent, and put food on the table. As credit use increases, American’s credit scores are going down. It’s frustrating, and it might have you shouting…

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Buy a home in cash and then refinance it.

Helping your children purchase a home? Buy with cash and refinance!

By moonrocket / August 23, 2022 /

Sometimes your children need a helping hand getting the home of their dreams. Credit scores are falling, debt is climbing, and houses are still moving at a quick clip. The good news is that families are pulling closer together to weather the storm. In this post, we’re going to show you how to buy with…

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Mortgage terms are important to understand.

Mortgage terms and acronyms

By moonrocket / August 11, 2022 /

Mortgage terms and acronyms The mortgage world has a language all its own. Here are some mortgage terms and acronyms that will help you navigate the mortgage process. Amortization Schedule: This is a schedule that breaks down the interest and principal portions of each payment. Keep in mind that this schedule won’t be accurate if…

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Mortgage rates loosely follow the Federal Reserve.

Rates, the Federal Reserve, and You: A Primer

By moonrocket / July 5, 2022 /

What is going on with the Federal Reserve and loan rates?! Gas is the most expensive its ever been, groceries are eating more of your budget, and it sure feels like the world is going straight to heck in a handbasket at Mach 2 with its hair on fire. Don’t you worry, though. JPAL Mortgage…

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