Erica's Blog

I wrote this article a while back. I know everyone is tuned into the same radio station (WIIFM) [What's In It For ME]. But a reality check came into place when everyone wants a referral fee or a free dinner etc. I am not losing my job over a RESPA Violation because someone wants a free gift for a...

What You Need to Know About Your Credit (FICO) Score What You Don't Know About Your FICO Score Can Cost You Money It's important to obtain copies of your credit report from the three major credit bureaus and review them for accuracy, but if you want to know how a potential lender views you, it's ...

DON'T APPLY FOR NEW CREDIT OF ANY KIND If you receive invitations to apply for new lines of credit, don't respond. If you do, that company will pull your credit report and this will have an adverse effect on your credit. Likewise, don't establish new lines of credit for furniture, appliances, com...

When a couple decides to divorce, the stress of dealing with financial issues can be overwhelming. As a result, people will often seek expert advice to educate them on their different options. At Sunshine Mortgage, we specialize in helping individuals learn more about what choices they have regar...

“What is your best rate?” This is the most common question I hear. Most consumers believe that is you get the absolute lowest rate; they have automatically gotten the best possible deal. This is not always the case. There are a couple of things that go through my mind when I hear people tell me t...