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• Dealing with Credit Bureaus for mortgage
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• Dealing with Credit Bureaus for home loan
  Effective no-nonsense strategies.
  
• Dealing with Credit Bureaus
  How to request a credit report.
  
• Removing Negative Credit and preparing for financing  (Part One)
  It's easier than you think!
  
• Removing Negative Credit for Dallas mortgage (Part Two)
  Steps to repair Your credit.
  
• Removing Negative Credit (Part Three)
  Your rights are important!
  
• Removing Negative Credit (Part Four)
  Important information on credit repair.
  
• Removing Negative Credit (Part Five)
  Easy items to dispute on your credit report.
  
• Removing Negative Credit (Part Six)
  Steps to remove negative credit items.
  
• Removing Negative Credit (Part Seven)
  Additional credit repair techniques.
  
• Removing Negative Credit (Part Eight)
  Getting the edge on your creditors.
  
  Credit Repair Letters
  Use these letters to help when contacting the credit bureaus.
  
  1. General Dispute To Collection Agency
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  7. Dispute Related To "Trans Alert" And Soc. Sec. Number
  8. After No Response from a Credit Bureau
  9. Disputing Specific Items and Inquiries
  10. Request Reinvestigation of Items that are Still Showing on Report
  11. Answer Letter to Credit Bureau's Request for More Information
  
  Telephone Tips and Techniques
  How to speak with the Credit Bureau's Representatives
  

11/21/2003

So you ask, how is the Dallas mortgage market?  Well, we can all look at the polls and believe anything they say, or we can look at the facts and believe what they tell us about Dallas Mortgage Refinance and Dallas Mortgage Purchase loans that have closed in the past six months.

I am having a very difficult time believing what Dallas mortgage critics especially the ones affiliated with the media (The Dallas Morning News) are saying about our local Dallas economy.  But I do believe what the Dallas, Frisco, Plano, Fort Worth, Arlington, and other DFW mortgage insiders are saying about the local mortgage market. 

The mortgage industry in Dallas Texas has gotten better in the last few months.

But, who defines BETTER?  Is it the fact that there are more mortgage transactions and mortgage refinances in Dallas, or is it determined by the long forgotten market zenith?

I will not sit here and agree with the polls, when Dallas Home Mortgage affiliates and other Dallas Mortgage Brokers and Bankers are having trouble selling their mortgage purchase and refinance reputations, its not like it used to be.  Every day I see more and more potential home equity loan borrowers sit and waste more and more money paying high interest credit cards and other debts, which are not tax deductible.  In other words this low interest rate mortgage boom is passing many people by. Theses Dallas mortgage Brokers and Bankers are not doing anything different now from the way they used to to market themselves and their mortgage programs.  As a matter of fact they are probably taking these mortgage loan programs and spending less time to get deals closed quickly and efficiently.

Keeping that in mind, one can't help but wonder if these mortgage loan officers are possibly over pricing their interest rates and the Dallas mortgage Market is really not as great as the media makes it out to be?

As a Dallas Mortgage Broker, I can honestly say that business is very consistent and even overwhelming at times.  I've realized that there are very low barriers to entry and almost anyone can be called a loan officer but very few get a large amount of business from trusted realtor ®  and clients.  If you are looking to buy or refinance Dallas Home or mortgage then know this:  In my opinion, today and for the next year at least, the market is defiantly a "Dallas Home Buyers Market".  Get with a Dallas mortgage agent and DO NOT go with any of their mortgage programs unless they have a good reputation.  Get a Buyer's Representation signed with your realtor and have a defined relationship.  In other words, Make sure that your Dallas mortgage agent is representing YOU and YOU ONLY.  Also, keep in mind that Dallas homes might possibly be over priced and pulling a CMA by your realtor ® representing your interests does not hurt when making an offer.

At ZagrosBigvand.com we understand that with the appropriate creative and alternative financing, almost anyone can be qualified for a home loan with very little money out of pocket.  You don't have to be in Dallas or the DFW area to have access to a top of the line Dallas mortgage Company.

100% FINANCING PROGRAMS:
We also have access to Grant programs.  For example:  We have a grant program, otherwise known as Down Payment Assistance, which will literally donate a down payment on a house on your behalf.  Sound impossible, it's easier then you think!.  It is NOT CREDIT SCORE driven.  Which means that even if you consider your self as someone with less than perfect credit (recent repossessions or bankruptcies) then it is OK.  You can still qualify for this program. Now here's the good news:  We can help you with any Dallas Mortgage Refinance and Dallas Mortgage Purchase loan, so coming to the table with less than what you may possibly pay for a deposit is what being a new home buyer is all about.  Also, Flexible FHA and VA guidelines dictate the 3% to 5% that you would have to bring to the table as a Dallas area home buyer.

We have access to other programs that make 100% of qualified applicants approved for a home loan.  Call TexasLending.com Senior Loan Officer Zagros Bigvand.: 972-740-2378 and he can go over the details with you.

In conclusion, take advantage of today's market as a home buyer or refinancer and don't let the good opportunities pass you.   Have a blessed day.

Respectfully,



Your Dallas mortgage and Home Buying Team,

Zagros Bigvand