Caraballo & Associates

My Secret Weapon for Credit Repair (At Least One of Them)

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, [...]

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Financial Irresponsibility Can Be Expensive

I recently had a run-in with the law. I was stopped by a police officer for speeding. (I could end the lesson right here by telling you that if you stop speeding you can save yourself possibly hundreds if not thousands of dollars per year and be perfectly justified.) Lower pollution Less chance of accidents [...]

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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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Where Is My 4% Mortgage Loan?

Going back a few months all we heard in the news and through the grapevine was the fact that mortgage rates were going to go down to 4% or possibly even lower. What ever happened to that?

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