Refinancing My Mortgage - Part Two

“Have you ever been late on your mortgage payment?” That was one of the first questions I was aked when I talked to the loan consultant about my refinance.
This conversation took place in early November and I still had not paid my October 15th payment.  I had seen a copy of my credit report before [...]

The Red Camera That Put Me In The Red

We’ve all heard the expression about the straw that broke the camels back.  Obviously, a piece of straw is very light, but if you keep piling straw onto a camel, it will eventually be more than he can carry.
I can pinpoint the event that really gave me my wake up call and sent me into [...]