Get your credit reports for free at
annualcreditreport.com
Make sure everything is correct – no errors
If everything is ok, get your score from Equifax.com for about 8 bucks.
Don’t fall for these monitoring systems that continuously charge your credit card.
If your score is better than 740, you may be able to get the best rates (5%).
Check bankrate.com for best rates on mortgages.

How much is your home worth?
Banks are not lending if the appraised value shows that you have more than 20% equity.
Also, all that credit card debt is bothering me.
What are your credit limits on your cards.
Anytime you use more than 25% of your available limits on a card you are causing harm.
Revolving credit card debt weighs heavily on credit ratings.
That’s why is best to pay in full each month for credit cards.
That way you never pay interest and get those 800+ scores.

If you somehow get approved – please don’t get trapped into doing an ARM or any other type of fancy mortgage.
Stick to 15 or 30 year fixed.
Interest rates could easily double in a few years.
This could devastate your life in the future.
/Should you refinance your house? no i would not
the rates are low but with the market is down at this point refinancing would give you a low rate
but should the market change you could lose alot of money due to the rate change

and if the rates drop down even more loan money would need to be payed to where you took out the loan at a good 62%

The best blog related to debt consolidator

Tags | refinance