Take control of your credit report with a credit freeze

If you are worried about identity theft, data breaches, or unauthorized access to your credit report, you should place a credit freeze on your report. Also known as a security freeze, this free tool lets you restrict access to your credit report. This makes it harder...

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Get a free credit report

Get a free credit report

Did you know that you can get a free annual credit report from all three major credit reporting agencies - Equifax, Experian, and TransUnion? Many sites promise credit reports for free...but AnnualCreditReport.com is the only official site explicitly directed by...

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Opt out of prescreened offers of credit

Opt out of prescreened offers of credit

Did you know that if you don't want to receive prescreened offers of credit you can opt out of receiving them for five years - or opt out of receiving them forever? Tired of having your mailbox crammed with preapproved credit card applications? Fed up with getting...

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Pros of working with a mortgage broker

Pros of working with a mortgage broker

There are a number of reasons why working with Alterna Mortgage is better than working with a bank. We decided to make a list for you! Drawbacks of working with a bank They have conservative loan programs. They don't disclose the yield-spread premium. Working with...

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6 Good  Reasons to Refinance Your Mortgage

6 Good Reasons to Refinance Your Mortgage

Getting a lower rate is the most common reason people refinance their mortgage. But there are others. Here are a few of them starting with the most common: 1. Lower interest rate and/or payment Refinancing to a lower interest rate will save you money on your monthly...

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6 Poor Reasons to Refinance a Mortgage

6 Poor Reasons to Refinance a Mortgage

Mortgage rates are low...but that doesn't mean refinancing is a good idea right now. Before you get too far down the path of a refinance you should really think about why you are refinancing. A refinance can help you meet some financial goals such as improving cash...

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Purchasing a second or vacation home

Purchasing a second or vacation home

There are benefits to purchasing a vacation home or a second home. A vacation home is fun to visit on weekends, holidays or in the summer. Maybe you want to live in the home when you retire or pass it on to your children. Owning a second home can have tax write-offs,...

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First-Time Home Buyer Programs

First-Time Home Buyer Programs

Both the federal and Oregon state governments offer a variety of loan programs in an effort to simplify the entire mortgage application process for first-time homebuyers. Depending on your income, down payment amount and other typical factors, there is likely a...

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All about appraisals

A home appraisal is an important part of any home real estate transaction. Whether you’re buying a home, refinancing your existing mortgage, or selling  your home, you’ll want to understand how the appraisal process works and how an appraiser determines a home’s...

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