Kirk Mulhearn's (kirkmulhearn) Blog

Seek a Qualified Mortgage Consultant to Ensure the Best ResultsUnderstanding Credit Scoring &Credit Repair  Long Beach, California - Credit remediation is a subject consumers often face with fear and trepidation, and for good reason. With the exception of recognizing that the best score wins, the...

Seek a Qualified Mortgage Consultant to Ensure the Best ResultsReverse Mortgages:Financing the Golden YearsLong Beach, California - Until recently, seniors 62 years of age and older have not had the best choices when it came to getting cash from their homes. Traditional home loans only offered th...

Refinance Your Mortgage for Rate and Payment ReductionLong Beach, California - One of the biggest reasons homeowners refinance their mortgage is to obtain a lower interest rate and lower monthly payments. By refinancing, the borrower pays off their existing mortgage and replaces it with a new one...

Many Loan Options AvailableHome Improvements Turn Average Homes into Dreams Come TrueLong Beach, California - If you're thinking about taking out a home improvement loan, there are several options to consider. First and foremost, your mortgage consultant needs to know why you want a home improvem...

Long Beach, Ca. - Since June of 2004, the Federal Reserve has systematically increased the federal funds rate, causing short-term interest rates to follow suit. As a result, consumers with Adjustable Rate Mortgages (ARMs) tied to volatile short-term rate indices, such as the LIBOR, are finding th...

Short-Term Interest Rates on the RiseLong Beach, California - In 2004, the Federal Reserve made it clear that short-term interest rates would be increased at a "measured pace" because of a fluctuating US Dollar, unstable oil prices and an evaluation of other economic indicators. In an effort to c...

A Qualified Mortgage Consultant Can Help Boost Credit Scores Long Beach, California - Consumers interested in purchasing or refinancing a home will pay an interest rate based on current market conditions and their ability to pay back the loan. The borrower's income and debt ratios are taken into ...

Long Beach, California  - Buying a home vs. renting is a big decision that takes careful consideration, as most mortgage consultants will agree. But the rewards of home ownership are great. For many years, purchasing real estate has been considered an extremely profitable investment. It is an ach...

Long Beach, Ca. - Taking the step into home ownership is one of the most important financial decisions a person will make in their lifetime. There are many factors to consider when embarking on this venture. Literally hundreds of loan programs are available, and it is important to find the one th...

So often in our drive through, high tech world of information convenience, we find it almost puzzling that door to door salespeople even exist anymore.  If someone is knocking on your door it probably means that they are pretty motivated about the real estate business.  If you doubt that assessme...