Marie's Blog

Mortgage and Lending - Envoy Mortgage / NMLS#111765, NMLS/WA Cons Lic #184908
Choosing a good lender is a key element in managing your mortgage. A professional consultant won't just provide a loan, they will help you select the one most beneficial to you and your long-term goals, and then, help you manage that debt over time. There are not many lenders out there who provide this type of personalized service.
Since I love to eat and snack so much, I thought I'd share some of the many eating places in Whatcom County, which I frequent.    Here are just some of my many favorites.    CALLALOO CARIBBEAN KITCHEN 1212 N. State Street (360) 676-5375      Caribbean cuisine - Shrimp and Rice dishes are great - ...
If you have items that are showing up on your credit report that you know you have already paid, request that these items be removed by the credit bureau. They are obligated to rectify this within 30 days If there are items on your credit report less than two years old, if possible, send in your...
  "No." Part of your credit score is based upon credit history. Even if you don't use old credit cards much, you will still benefit from the credit history they represent. Rather than trying to pay off all your credit cards, move part of the debt from one card to another to evenly distribute of ...
This is usually a good idea, but you only need to worry about the past due balances and charge-offs that have occurred in the last two years. Items more than two years old have little effect on your current credit score. In fact, if you pay off delinquent items over two years old, it can actuall...
  In a mortgage lender's eyes, a good credit score translates into lower interest rates for home-shopping borrowers. The higher your score is, the less risk you are, and the more likely it is you will pay off your debt. For this reason, borrowers with lower scores usually end up paying higher int...

Marie Bjornson

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The Benefits of a Professional Consultant