Home Equity Loan Rate

A credit report is more than a score. Most mortgage credit reports are called “tri-merges,” meaning they are combinations of credit reports from the three major credit bureaus (Experian, Equifax, and Trans-union). And while they provide your three scores, a tri-merged report gives you so much more.

Credit reports show payment histories, balances, available credit, and other information for most installment, revolving and mortgage accounts. They also show judgments, liens, bankruptcies, and collections. Credit reports show how many (if any) times your credit has been pulled over the past 90 days or more. Reports even have previous addresses, any AKAs, and what factors the bureaus used to calculate your score, along with contact information for your creditors and the three bureaus

Home Equity Lines of Credit provide the safety of a security net, the low rates of a mortgage, and the convenience of a credit card or checkbook. PLUS, because it is a line of credit, you only pay interest on what you actually use.

Do you have control over your finances each month? Can you choose how much of your mortgage to pay depending on your cash flow and other expenditures? There is a mortgage program that allows just that, the LFS Home Loans Payment Options Loan.

The thoughts and prayers of the LFS Home Loans team are with those devastated by Hurricane Katrina, and the volunteers who have sacrificed to help.

On September 2, 2005, LFS Home Loans (the producer of this publication) donated $500.00 to the Southern Baptist Convention — Disaster Relief, in order to help the residents of Alabama, Louisiana, and Mississippi begin rebuilding their homes, their cities, and their lives. LFS Home Loans also pledged to contribute an additional $100.00 per first lien mortgage that closes and funds in the month of September, 2005.

Residents of Alabama, Louisiana, and Mississippi will be dealing with the storm’s destruction for years to come. We can’t change what happened, but we can do our part to help them rebuild their lives.

Your home is probably your single greatest asset. Home improvements can add to the look and comfort of your home, as well as increase the value. When embarking on home improvements, it is important to consider the size and scope of the project. Do-it-yourself home improvements can quickly escalate, consuming more time and money than originally expected.

If you’re a parent, chances are you have a backyard playset for your children or know of someone who does. While these playsets are designed to be safe and fun for young children, many times they can be dangerous and cause injury.

According to the Consumer Product Safety Commission, more than 200,000 children go to U.S. hospital emergency rooms with injuries associated with playground equipment.

North Carolina is the southern state that has is all. Major cities such as Raleigh and Charlotte lead the way in business and technology. Our smaller towns and communities provide a great environment to raise a family. From the mountains to the coast, the Tarheel state is a great place to live.

At the heart of our great state is the Triangle, consisting of Raleigh, Durham, Chapel Hill and the surrounding communities. The Triangle is consistantly named as one of the best places to live and work in the nation. Forbes magazine recently chose the Triangle as #2 “Best Place for Business and Careers”. MSN House & Home ranked the Triangle “#1 Best Place to Live” in 2003. While they call our area “the best”, we just call it home.