Regardless of payment to a claimant; whether or not you file or don’t ultimately file the claim; or whether it is denied or accepted; a call to your insurance company will most likely end up on your report. If you’ve experienced a property loss (flood, fire, etc.) it doesn’t necessarily mean you should file an insurance claim. Here are a couple of things to think about before you file an insurance claim:

Inefficient heating can also add to monthly power bills during colder temperatures. One of the easiest things customers can do to support heating efficiency is to change air filters regularly. A dirty air filter makes a heating system work harder, which uses more energy.

The new federal agency Consumer Finance Protection Bureau’s  (CFPB) Qualified Mortgage & Ability To Pay  (ATR) regulations require mortgage lenders in Raleigh and Cary and all other US markets to clearly establish and document a borrower’s ability to be expected …

FAQ – What is a ‘Qualified Mortgage’? Read more »

New Mortgage Escrow Rules for January 2014 Nearly three years after passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act ,  a response to the mortgage crisis of 2007-2008 that has left millions of Americans licking their financial …

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Don tells me that nearly ALL Thanksgiving Day homeowner’s insurance claims almost always involve a deep fryer and a raw/frozen turkey. I dug up a press release from North Carolina Farm Bureau dated November 25, 2008 and thought I would share with my readers important safety tips that you should know about if you are planning to Deep Fry a Turkey this Thanksgiving.

Ricardo Cobos is a Mortgage Loan Officer in Raleigh North Carolina helping people achieve financial security through responsible homeownership using great no money down loans programs like the USDA Guaranteed Rural Development Loans call 877-212-7784 to speak with an experienced loan officer today.

… the economy, particularly the housing sector, continues to be a drag on the US economy. As a result, investors who once gladly would make a loan secured against a manufactured home, now won’t even consider it. Because of this, many otherwise very well qualified homeowners and would be home buyers have found that access to credit has been shut off.

Loss up to $10,000 can be processed at your local SunTrust branch. Losses in excess of $10,000 require special handling.

NC insurance customers irked by policy linking their Auto Policies to their Homeowners Insurance Policies. This year, two of the most popular underwriters of homeowners insurance policies in North Carolina – Allstate and N.C. Farm Bureau – have adopted underwriting guidelines that …

NC insurance customers irked by policy Read more »