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Get a Better Mortgage Rate & Car Loan at Tropical Financial Credit Union - Video At Tropical Financial Credit Union in South Florida, you can take advantage of a better mortgage loan rate. Thousands of ...

Credit score windfall: Negative info could be removed from your file

If you’ve heard that some people might get a magic boost to their FICO credit scores in the 10-point range — without having to do anything — you’re right. But hundreds of thousands of consumers’ increases will be much larger.

According to a massive new study of 30 million credit files just completed by score developer FICO, many Americans will experience score bumps in the coming months, mainly modest increases of less than 20 points. But hundreds of thousands of the increases will be super-sized — in the 40 to 60 points and higher range. The vast majority of consumers, however, will see no change in their scores.

Some basics here: The changes are tied to forthcoming policy initiatives at the three national credit bureaus — Equifax, Experian and TransUnion. As part of an agreement with a group of state attorneys general, in early July the bureaus will stop collecting and reporting public information on virtually all civil judgments (monetary damages awarded by courts against the losing parties in civil disputes) and roughly half of all tax liens (levies against properties when taxes go unpaid). The bureaus have determined that the accuracy of the public records in both these areas does not meet their quality standards. So they are going to remove them from the credit reporting process altogether.

TD Bank, BMO Harris Bank Posts Better Mortgage Rates Today May ...

BMO Harris Bank

Standard 30 year loan interest rates have been offered at 3.750% at BMO Harris Bank carrying an APR of 3.952% today.  15 year fixed rate mortgage interest rates at the bank are published at 3.000% today carrying an APR of 3.281%.  

10 year fixed rate mortgage interest rates have been offered at 2.875% today yielding an APR of 3.282%.  20 year FRMs at the bank have been published at 3.500% and APR of 3.808% today.  

The 3 year ARM interest rates are being offered for 2.750%  showing an APR of 3.853%.  In the ARM arena, 5 year loans at BMO Harris are published at 2.750% showing an APR of 3.703%.  The 7/1 Adjustable Rate Mortgages can be had for 3.000% today yielding an APR of 3.678% to start.  The 10 year Adjustable Rate Mortgages stand at 3.250% today yielding an APR of 3.687%.  

Market and

Is a mortgage broker or a financial advisor better when you want help getting a good mortgage deal?

We know how much we want and know we can afford it, we just want to go over the options and get a good deal, but I don't know who would have more options, be more honest, etc. We are in the UK.

The difference between a mortgage adviser and a financial adviser is the qualifications they hold.