Caraballo & Associates

Should I Accept My Loan Modification…Part 6 (FINAL)

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 [...]

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Should I Accept My Loan Modification…Part 5

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 [...]

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Should I Accept My Loan Modification…Part 4

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 [...]

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The Problem With Credit Counseling Agencies (Part 1)

These companies have been around for years making promises of lower credit card payments, frozen interest rates, shorter pay-off schedules, etc. etc. These programs seem like a no-brainer for the person that is having trouble with their monthly credit obligations. Those of us that have had hardships and those of us that basically just let [...]

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Should I Accept My Loan Modification…Part 1

This will be a series of posts where I share with you a step-by-step account of what I am seeing, hearing and doing while I attempt my loan modification. Because of my background in mortgages and finance, I know some of the question to ask. So as we go along I am going to add areas of concern or advice on what I think should be done at certain points.

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Book Review…Getting Things Done: David Allen

I recently came out of an era of my life where I was so overwhelmed that I did not know what to do with myself. I felt like I was playing catch-up from the moment I opened my eyes in the morning. You know that feeling, "I have so much to do today, there is no way I can get it all done." What a way to start the day huh?

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The Truth About Ordering Your Free Credit Report

Ordering one’s own credit report seems to be a source of fear and hesitation for many people.  “Will this affect my score?  Will my score drop?  How much will it drop?” These are all valid questions and concerns.  To add to the indecision and worry that one feels about this “not too clear subject” are [...]

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Information for FREE Housing Assistance

With everything that is going on with real estate here in Florida and the economy as a whole, I thought it would be useful to share this information which I received the other day. Part of what I love about having this blog is that I am able to share potentially life-changing information with a large [...]

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