Caraballo & Associates

For many years one of my biggest niches in the mortgage industry was helping people who did not qualify for a home loan improve their credit standing in order to become approve-able. It took me some years and a lot of studying to get to the point that I could look at a credit report, [...]

I feel like I have writing this series for a year. Actually it has been close to half a year. My first post on this subject was in November of ’09. I actually started looking into it a few months before and sat on the decision for a while before I decided to take the [...]

The next problem I have found with most of these programs is the issue of due dates. Based on your monthly ritual of paying bills, you already have a really good understanding of due dates. Every credit card you have has a different due date and maybe even different grace periods. This is one reason [...]

As the eldest of three siblings, I have had the opportunity to observe and proudly take part in the growth and maturing of two special women. These women are my sisters. I have yet to feel comfortable with calling them women as I still remember them as little girls trying to find their way in [...]

Now that we know what these programs are, let’s get into the deeper, scarier issues. The first real issue I have found with these types of companies is an issue of responsibility. You are giving money to a third party on a monthly basis in order for that third party to make your (hopefully adjusted) [...]

My “tribe” is getting larger these days and it is becoming increasingly difficult to keep up with all the blogs and posts that are out there. I believe I found the perfect tool for the job. It’s Google Reader! In this first video, I share a few of the features that I most like about [...]

So after I spoke to the HUD Counselor, I waited a couple of weeks and then called the bank for a complete update. (I believe I have done all that has been asked of me and I think it is time for SOME kind of answer, or at least an indication of one). I called [...]

If you are starting to think that this process is becoming long and drawn out, you’re right! By this time, we have had many calls, looked for much paperwork and basically we are just tired of the whole thing. We are not giving up though, especially because it seems that this is where most people [...]