Are the rates I see on TV real? In most instances NO! Go to www.freddiemac.com and see where the real 30 and 15 year fixed rates are at. These guys interview 125 lenders each week and publish the REAL rates with any point cost. If you are getting quoted these rates you should feel good about it.

How can they quote these LOW rates on TV? I have no idea. I thinkthey should be sued and pulled off the air. If enough of us complain to the FTC, maybe the "smoke and mirror" crap will go away. Look at their web site and you will see that most of them are charging you two points to get these "RATES" they are quoting. Do you want to pay TWO POINTS?

When I got divorced my wife got the house...why is it still showing up on my credit report? Short answer....your attorney let you down! They should have gotten your spouse to refinance in their name only, before your signed that "Quit Claim" deed and gave up your Title interest in the property! Try and get her to refinance now! (so much harder to do when you have no leverage!) By the way, get your name off ALL, did I say ALL JOINT DEBT! BEFORE YOU SIGN THE DIVORCE PAPERWORK!