Joshua Talayka's (talayka) Blog

According to an article posted by The Sacramento Bee, in a survey of 197 people, 49 of them were kept from getting a home, bank account or job due to mistakes on their credit report. See the complete blog post: Credit ErrorsShould you have any questions or need further information,please don't he...

The Federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.Here is a summary of your major rights under the FCRA: Fair Credit Reporting ActShould you have any questions or need further information,please don...

What is credit? How do I get credit? How can I improve my credit rating?These are a few simple questions, yet when asked the majority of people simply don’t know the answers. Although I don’t believe I’ve ever met anyone who could truly say they were an expert in understanding credit, in a world ...

The Homeowners’ Assistance Program (HAP) provides some monetary relief to eligible service members (including Coast Guard) and federal employees (including non-appropriated fund) Homeowners who suffer a financial loss on the sale of their primary residence as a result of a decline in their real e...

We have been seeing a drastic decline in foreclosures across the country, many markets show signs of stabilization, and it is beginning to look like the end of our current housing crisis is in sight. However there is small group of mortgage products that may have been overlooked, the Option Adjus...

The Home at Last Program Is a Mortgage Credit Certificate (MCC) program that provides a dollar-for-dollar federal income tax credit equal to 20% (for loans over $190,000) or 30% (for loans under $190,000) of the interest paid on a mortgage loan. This credit is given to the homebuyer every year as...

In the age we live, you would expect the in the idea of providing equal opportunity in Real Estate to all people regardless of race, color, religion, sex, handicap, familial status, national origin, etc. would be common sense. However, on more then one occasion I have been asked by potential clie...

You will want to review your actual credit report as it is being reported to all three credit bureaus. It is very common to find errors on your credit report that could be contributing towards a lower credit score. You are entitled to receive a free annual credit report from all three major credi...

It’s no secret that short sale listings have drastically increased in very little time. This increase can be blamed on a number of factors: rising unemployment, decline in home values, resetting ARMs, and the list can go on. What ever the cause, it appears as though Short Sale listings are going ...

Fannie Mae has reconfirmed its short sale commission policy with the NAR.See Fannie Mae Commissions for detailsShould you have any questions or need further information,please don't hesitate to contact me, (775) 220-1630Or visit my blog at www.SellingNorthernNV.comJoshua TalaykaChase Internationa...