Grocery Savings

We keep hearing from clients that they want to know how to find all the local savings at the grocery stores. Therefore, we created the information below.

 LendingLadies.com recommends you save each link below for your specific region. It is advised that you create your meals around the local savings in your area.

 Let us know what other websites you enjoy for savings!

 Oregon:

 Market of Choice

http://www.marketofchoice.com/index.php?option=com_content&view=article&id=250&Itemid=125

 Fred Meyer

http://services.fredmeyer.com/mapquest/storesearchadvanced.aspx

 Albertsons

https://shop.albertsons.com/eCommerceWeb/LandingPageAction.do?action=begin

 Safeway

http://www.safeway.com/IFL/Grocery/ViewSpecials?contentURL=http://safeway.inserts2online.com/storeReview.jsp?drpStoreID=420&showFlash=false#iframetop

 Colorado:

 Sprouts

www.sprouts.com

 Sunflower Market

www.sfmarkets.com

 King Soopers

http://kingsoopers.inserts2online.com/customer_Frame.jsp?drpStoreID=44

 Safeway

http://www.safeway.com/IFL/Grocery/WS-Store-Results?contentURL=http%3A%2F%2Fhosted.where2getit.com%2Fsafeway%2Fweekly720.html%3Fform%3Dlocator_search%26search%3DGo%26addressline%3D80524%26form%3Dlocator_search%26banner%3Dsafeway%26env%3Dwww%26hostname%3Dwww.safeway.com%26&zip_text_input=80524

 Albertsons

http://albertsonsmarket.com/specials/ads.php

 If you want to know how to save money on your mortgage, contact LendingLadies.com today at 866=640-LL4U or family@lendingladies.com.

States Our Team Can Assist

LendingLadies.com is a Mortgage Banker and Mortgage Broker. Therefore, we do have some team members who can originate loans in the states below. Please let us know if we can be of assistance in the following states:

Alaska

¨       Arizona

¨       Arkansas

¨       California

¨       Colorado

¨       Florida

¨       Hawaii

¨       Idaho

¨       Missouri

¨       Montana

¨       Nevada

¨       New Mexico

¨       Oklahoma

¨       Oregon

¨       Tennessee

¨       Texas

¨       Utah

¨       Washington

¨       Wyoming

Updated Information on Credit Scores

Yes, each of the 3 credit bureaus have what is called a credit scoring system. If your credit score is low, it will result in a denial or higher interest rate loans. As a result, it can make life much harder. The information below is for guidance and is not a guarantee. All of us at LendingLadies.com feel you should be aware of this information, since many do not realize how a few changes can have a large impact on your credit score.

Some people were adding authorized users to their credit cards to allow assistance in building credit scores up. This no longer works unless it is an immediate family member.

If you have a really old credit card with a good history reporting, it may be wise to re-evaluate on opening up the exact same credit card. The 3 bureaus like to see a credit card that is used once in awhile that has been open for a long time. If the exact same card is re-opened, sometimes it will still show the original date it was opened up, therefore showing a longer history.

Having a good mixture on your credit report is important. The first item that assists in building a good credit score is a mortgage, then an auto loan, then installment loan, then a credit card. It is advised to have 1-2 credit cards.  It can hurt to have a loan that is from a finance company. Sometimes the zero down, zero interst loans are considered to be from a finance company.

When it comes to credit cards, you want to try and keep at least 70% available per card. For example, if you have a $10,000 credit card, you want to try and keep $7,000 available. We have seen clients come in with a great credit history but did not follow this rule. As a result, their credit scores were low and they did not obtain the best interest rate possible.

Collections and any late payments will have a negative affect on your credit score. When we say late payment, we mean any payment that is over 30 days late. You may still have a late fee but it should not be reported on your credit report. Recently, they have been stating that a collection under $100 will not have a large impact.

Judgements and tax liens will hurt a credit score. Tax liens can even be looked upon as worse than a bankruptcy.

All of us at LendingLadies.com hope you find this information helpful or educational. Please do pass this on to your friends and family.

LendingLadies.com

866-640-LL4U

Timing a Closing

There are new laws in effect this July and it impacts every real estate transaction in the United States. It is important for you to know this information as we are coordinating timing on a closing.

 

The first one is if a client does not lock in an interest rate until the end, a closing can not take place until after 3 days of the lock if it differs at all from the initial Good Faith Estimate.

 

If any fees change and has an .125% impact on APR, then a closing can not take place until 3 days after the new costs are disclosed.

 

A closing can not take place less than 7 days.

 

An appraisal must be received by the client 3 days before the loan closing.

 

An appraisal can not be ordered until 3 days after a loan application.

 

It has been interesting to hear of the stories on the new appraisal law. It is being evaluated to put the new HVCC law on hold due to the negative impact for consumers. It has been difficult to time a closing without knowing when an appraisal will come back in. So far we have been ok and fine on our closing dates but I have heard of many other companies having complications.

 

On a positive, fantastic note, LendingLadies.com will continue being a broker and will be a bank. This will allow underwriting at 24 hrs (it can change but this is the current time) if a loan closes with the bank. We still have the flexibility of shopping interest rates and programs that the bank will not close on. We can close all loans! In order to keep this service up, we need your continued support in referrals. We want to thank you in advance for your current and future referrals.

 

All of us at LendingLadies.com hopes that this information helps you in your business. Please advise if there is anything we can do to help you further.

866-640-LL4U