John Hopkins

The Truth: Will Credit Repair Help You Get a Mortgage Loan?

First off – unlike 97% of the articles on the Internet about credit repair, this one is not written by someone selling credit repair services. In fact, I have no affiliation with any credit repair company, or other company that sells a service related to credit repair, or other quick fix. In complete disclosure, I am a federally licensed Mortgage Banker, a... (posted by John 37 days 20 hours ago.)

Credit Cards for People with Really Bad Credit

You have bad credit. Your credit score is low. You need to reestablish credit to raise your score. No one will give you a second chance because of your low credit rating. It’s a Catch-22 scenario. Sound familiar? What do you do when nobody will give you credit? I am going to assume that if you are reading this article, this may be your (posted by John 5 years 204 days ago.)

Survival Mode: 3 Things To Do When You Are Broke With Bad Credit

I had an early appointment that Saturday morning in February. Debbie Gardner showed up to meet with me and I listened to her story: single mom, two kids, 9 to 5 job, and no child support. Debbie had overextended herself on credit cards, car payment and other expenses. She also had recent unexpected medical bills not covered by her health insurance. Debbie had been renting and paying over... (posted by John 5 years 204 days ago.)

Breaking an Apartment or Landlord Lease

I teach people on how to stop renting and own their own home. At our seminars each month I am asked a commen question, "How do you break a lease?" There are actually several answers to this question. To start, you should carefully review the lease document to understand the entire term of lease and any clause for termination. This will help see if there are acceptable terms to agree upon (posted by John 5 years 205 days ago.)

Credit Scores and Credit Repair: The Naked Truth You Need to Hear

In high school we were required to read a book by Nathanial Hawthorne called The Scarlet Letter. It is about a woman living in the 1700’s Puritan era that is accused of adultery and forced to wear a red “A" on her clothing when she goes out in public. This branding was a manner of labeling her to everyone in the community. Those who saw this red brand would know her personal secrets and... (posted by John 5 years 207 days ago.)

From Wal-Mart to Wall Street: How to Become a Millionaire With Your Part-Time Job

This story is true and although I was asked by its subject, my longtime college friend “David" not to reveal his full name, I will include specific details of how he accomplished something I feel is truly a story of American spirit, and personal achievement. I met David in college while attending the University of Texas, Arlington. We become friends immediately and... (posted by John 5 years 210 days ago.)