Mortgage Rate Locks Become Crucial

  An interest rate lock is always a good idea in any market. But it becomes a better idea when it's crucial to lock in an interest rate and other loan costs at a level you can afford.
 
A changing market -- especially when the change is for the worst -- is one of those crucial times. During the first half of 2008, nearly a full percentage point separated the high of 6.45 percent in recent weeks and the low of 5.48 percent in January, according to Freddie Mac.
 
Get off the interest rate elevator ride with an interest rate lock.
      

Man's Best Friend May Be Costly When Selling Your Home

As beloved as pets may be to sellers they can be a detriment to the sale of a home.

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Credit Scores Remain Misunderstood

     Too many consumers still don't get it when it comes to credit scores.
 
And what you don't know about credit scores can hurt you when it's time to buy a home -- especially in a tight credit market.
 
Only 28 percent of consumers are aware they need at least a 700 credit score to qualify for a low-rate mortgage.
 
Three of every four consumers incorrectly believe that credit scores are influenced by income.
 
And even more, 79 percent, erroneously believe that credit scores can be obtained for free once a year. (They're probably thinking about their credit report, instead.)
 
Those are among the findings of a new report, "Consumer Understanding Of Credit Scores Improves But Remains Poor" commissioned by the Consumer Federation of America (CFA) and Washington Mutual Bank (WaMu).
 
First, your credit score is a number assigned to your creditworthiness.
 
Your credit score indicates how well or how

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