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Ren
Participant[quote=freshman]… They will only put them on market little by little, keep the price stable…
[/quote]The banks holding onto the properties may slow the drop in home prices, but it won’t stop it.
Ren
Participant[quote=freshman]… They will only put them on market little by little, keep the price stable…
[/quote]The banks holding onto the properties may slow the drop in home prices, but it won’t stop it.
Ren
Participant[quote=freshman]… They will only put them on market little by little, keep the price stable…
[/quote]The banks holding onto the properties may slow the drop in home prices, but it won’t stop it.
Ren
Participant[quote=freshman]… They will only put them on market little by little, keep the price stable…
[/quote]The banks holding onto the properties may slow the drop in home prices, but it won’t stop it.
Ren
Participant[quote=flu]If you don’t mind, let me play a guessing game, since you echo what it seems colleagues are indicating.
Are you and said wife a 0 balance people? If you do have an outstanding mortgage, do your assets cover your mortgage?[/quote]
We have a few cards that are always at or near zero, and one card we use for everything (for points) that we pay off every month. I also have an Advanta business card which always has about a 50% balance-to-limit ratio. We don’t have a mortgage.
I have also noticed the 0% transfer offers dwindle to almost none.
Ren
Participant[quote=flu]If you don’t mind, let me play a guessing game, since you echo what it seems colleagues are indicating.
Are you and said wife a 0 balance people? If you do have an outstanding mortgage, do your assets cover your mortgage?[/quote]
We have a few cards that are always at or near zero, and one card we use for everything (for points) that we pay off every month. I also have an Advanta business card which always has about a 50% balance-to-limit ratio. We don’t have a mortgage.
I have also noticed the 0% transfer offers dwindle to almost none.
Ren
Participant[quote=flu]If you don’t mind, let me play a guessing game, since you echo what it seems colleagues are indicating.
Are you and said wife a 0 balance people? If you do have an outstanding mortgage, do your assets cover your mortgage?[/quote]
We have a few cards that are always at or near zero, and one card we use for everything (for points) that we pay off every month. I also have an Advanta business card which always has about a 50% balance-to-limit ratio. We don’t have a mortgage.
I have also noticed the 0% transfer offers dwindle to almost none.
Ren
Participant[quote=flu]If you don’t mind, let me play a guessing game, since you echo what it seems colleagues are indicating.
Are you and said wife a 0 balance people? If you do have an outstanding mortgage, do your assets cover your mortgage?[/quote]
We have a few cards that are always at or near zero, and one card we use for everything (for points) that we pay off every month. I also have an Advanta business card which always has about a 50% balance-to-limit ratio. We don’t have a mortgage.
I have also noticed the 0% transfer offers dwindle to almost none.
Ren
Participant[quote=flu]If you don’t mind, let me play a guessing game, since you echo what it seems colleagues are indicating.
Are you and said wife a 0 balance people? If you do have an outstanding mortgage, do your assets cover your mortgage?[/quote]
We have a few cards that are always at or near zero, and one card we use for everything (for points) that we pay off every month. I also have an Advanta business card which always has about a 50% balance-to-limit ratio. We don’t have a mortgage.
I have also noticed the 0% transfer offers dwindle to almost none.
Ren
ParticipantPersonal anecdote only: my wife and I haven’t seen a tightening of credit in any way, in either our business or personal lines, and we both have high 700’s/low 800’s scores with all three agencies. There has been no significant rate change. Last week, Citi raised my limit by a couple of thousand on a card that never has a balance higher than $50. Schwab bent over backwards trying to interest us in mortgage products after we asked a few questions.
I have seen tightening for people with questionable credit, which in my mind is the way it should be. People with good (730+) credit, 20% down, low debt, and moderate income can easily qualify for a mortgage today. Credit for larger businesses may be another story.
Ren
ParticipantPersonal anecdote only: my wife and I haven’t seen a tightening of credit in any way, in either our business or personal lines, and we both have high 700’s/low 800’s scores with all three agencies. There has been no significant rate change. Last week, Citi raised my limit by a couple of thousand on a card that never has a balance higher than $50. Schwab bent over backwards trying to interest us in mortgage products after we asked a few questions.
I have seen tightening for people with questionable credit, which in my mind is the way it should be. People with good (730+) credit, 20% down, low debt, and moderate income can easily qualify for a mortgage today. Credit for larger businesses may be another story.
Ren
ParticipantPersonal anecdote only: my wife and I haven’t seen a tightening of credit in any way, in either our business or personal lines, and we both have high 700’s/low 800’s scores with all three agencies. There has been no significant rate change. Last week, Citi raised my limit by a couple of thousand on a card that never has a balance higher than $50. Schwab bent over backwards trying to interest us in mortgage products after we asked a few questions.
I have seen tightening for people with questionable credit, which in my mind is the way it should be. People with good (730+) credit, 20% down, low debt, and moderate income can easily qualify for a mortgage today. Credit for larger businesses may be another story.
Ren
ParticipantPersonal anecdote only: my wife and I haven’t seen a tightening of credit in any way, in either our business or personal lines, and we both have high 700’s/low 800’s scores with all three agencies. There has been no significant rate change. Last week, Citi raised my limit by a couple of thousand on a card that never has a balance higher than $50. Schwab bent over backwards trying to interest us in mortgage products after we asked a few questions.
I have seen tightening for people with questionable credit, which in my mind is the way it should be. People with good (730+) credit, 20% down, low debt, and moderate income can easily qualify for a mortgage today. Credit for larger businesses may be another story.
Ren
ParticipantPersonal anecdote only: my wife and I haven’t seen a tightening of credit in any way, in either our business or personal lines, and we both have high 700’s/low 800’s scores with all three agencies. There has been no significant rate change. Last week, Citi raised my limit by a couple of thousand on a card that never has a balance higher than $50. Schwab bent over backwards trying to interest us in mortgage products after we asked a few questions.
I have seen tightening for people with questionable credit, which in my mind is the way it should be. People with good (730+) credit, 20% down, low debt, and moderate income can easily qualify for a mortgage today. Credit for larger businesses may be another story.
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