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REFINANCE
Oneill Financial Group, your Fairfax Northern Virginia mortgage source, suggests that you check the market closely when you are considering refinancing your loan. You will be looking for both the current interest rates and the closing costs. To find your costs you will want to divide your closing costs by you monthly savings. This will give you a preliminary savings amount. Then you should look at how refinancing will effect your taxes and how long you will stay in your home for. After you have surveyed all of these numbers you will know how much you will be saving by refinancing.
DEBT CONSOLIDATION
When you take out a debt consolidation loan from Oneill Financial Group, your Fairfax Northern Virginia mortgage source, you can easily pay your high interest credit cards and other debts into one lower payment. Not only will doing this save you hundreds of dollars each month, but it will relieve the stress of having to come up with numerous lump sums to pay all of your never ending monthly bills.
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| Oneill Financial Group, your Fairfax Northern Virginia mortgage source, is often asked questions about credit retrieval so we have compiled a list of the most frequently asked questions. 1. Why do we need credit reporting? – Credit reporting gives information that helps consumers make purchases, secure loans, pay for college, and manage their personal finances. Credit reporting allows stores to accept checks, banks to offer credit cards, business to market productions, and helps corporations manage their operations to benefit the world's economy.
2. What is a credit inquiry? – A credit inquiry is a list of the name of the credit grantor or user who has accessed your credit file. Each time an inquiry occurs it is posted to your credit file so you know who accessed it.
3. If I am divorced will it affect my credit? – It is very important to realize that a decree of divorce will not overrule the original contract you had with the creditor and will not release you from legal responsibility. If you want release of your obligation you must contact each creditor individually and request their legal binding release.
4. Should I use a company that promises to help correct my credit? – No one can take accurate information out of your credit file; all they can do is fix incorrect information. If there is inaccurate information in your credit file you can just as easily change it yourself.
More Oneill Financial Group, your Fairfax Northern Virginia mortgage source, Credit Information:
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Get Pre-Approved For Your Virginia Real Estate Home Loan
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Oneill Financial Group, your Fairfax Northern Virginia mortgage source, Featured Cities
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Oneill Financial Group, your Fairfax Northern Virginia mortgage source, works in many Virginia counties including Arlington, Fairfax, Loudoun, Prince William, Fauquier, and Stafford. Some of our featured cities include:
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SECOND MORTGAGE
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If you need money, a home equity line from Oneill Financial Group, your Fairfax Northern Virginia mortgage source, can be a very useful source of credit. They can give you large amounts of cash at lower interest rates. They can also provide you with tax advantages that aren’t available with other loans. Home equity lines use your home as collateral for the loan. It is for this reason that you must be sure you can afford to make your monthly payments.
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1ST TIME HOME BUYERS
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Oneill Financial Group, your Fairfax Northern Virginia mortgage source, uses first time home buyer programs to make it that much easier for prospective buyers to become owners. We offer a range of options including HFA which features low interest rates; MCC which lowers taxes; and CHB which lowers down payments.
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LOW DOWN PAYMENT
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Oneill Financial Group, your Fairfax Northern Virginia mortgage source, allows many of our clients to use money from their 401K to lower their down payment. If you have a 401K with your employer you may opt to withdraw money from it without paying a penalty. You may then pay off the difference over time. This is a great option for those who don’t easily have access to large amounts of cash.
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CREDIT INFORMATION
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Oneill Financial Group, your Fairfax Northern Virginia mortgage source, uses credit scores to give us a basic idea of your credit history. Scores are rated from A to E, with A being the best. A score of 660 or above will give you a credit rating of A; a score of 620 and above is a B; a score of 580 and above is a C credit rating; a score of 550 and above is a D; and a score of 520 or above is an E credit score. While your credit score is considered when looking at what kind of loan you can receive, it is not the only consideration.
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