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Ruoff Home Mortgage recognized for growth
Wednesday, September 21st, 2016 | Author:

The number one residential mortgage lender in the state of Indiana, Ruoff Home Mortgage, has earned a position on the 2016 Inc. 500|5000 list of fastest growing companies in America for the fourth consecutive year.

According to Inc. magazine, there are 18,204,600 businesses in the United States and Ruoff Home Mortgage ranked No. 1712 out of the top 5000 companies, increasing their foothold on the list from No. 2022 in 2015.

Category: Home Mortgage  | Tags:  | Comments off
Ask Chuck: Refinancing vs. Recasting a Home Mortgage
Wednesday, September 07th, 2016 | Author:

To learn Biblical answers to your financial questions, you can #AskChuck @AskCrown your questions by clicking here.Questions used may be lightly edited for length or clarity.

Dear Chuck,

My husband and I own a home and are trying to decide if we should change our mortgage to get in better financial health. I read recently about recasting a mortgage, which sounds a lot like a fishing term! Is that something worth considering? Weve been looking into refinancing. What is the difference?

Confused on Recasting

Category: Home Mortgage  | Tags:  | Comments off
Here are the easiest cities to get a mortgage
Saturday, September 03rd, 2016 | Author:

Despite strong demand for mortgages, lenders arent in the mood to ease credit, according to the latest quarterly survey from Fannie Mae, the government- backed lender.

The trend toward easing of credit standards appears to be tapering off, as the vast majority of lenders, around 90 percent, reported plans to keep their credit standards about the same, said Fannie Mae chief economist Doug Duncan.

While lending standards nationwide may remain steady this year, theres a wide range from one metro area to another, according to an analysis of mortgage data by the Urban Institute.

Borrowers in Detroit, for example, can qualify for a home mortgage with an average FICO...

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Aegis Business Credit announced the graduation of a manufacturer of specialty, high-capacity batteries after Aegis provided a $500,000 factoring facility. The additional working capital enabled the company to utilize updated technology to extend battery life, taking advantage of evolving demands of today’s aviation industry. With improved profitability, the company is now able to qualify for traditional, commercial bank financing.

Aegis Business Credit provides asset based loans and factoring and to a variety of industries and clients from $250,000 to $3 millon throughout the southeastern region.

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The senators first stop was to St. Laurent Bros., 1101 N. Water St., which at 112 years old, is one of the oldest candy shops in the state. The quintessential small business opened in 1904 by brothers Joseph and Alex St. Laurent and was later taken over by the son of one of the brothers — Howard St. Laurent. Along with his wife Mary, the St. Laurents ran the business until 1985 when Steven Frye took over ownership, along with Keith Whitney. Whitney died unexpectedly in 2015 at the age of 61; Frye continues to run the business.

Best known for its vast selection of chocolates and nuts, the candy shop also sells homemade peanut butter.

Its a big deal when a senator comes into...

Category: Credit Help  | Tags:  | Comments off
Adam Fisher: A home mortgage minus the home
Friday, August 26th, 2016 | Author:
Category: Home Mortgage  | Tags:  | Comments off
EDITORIAL: Misuse of credit scores by banks unacceptable
Thursday, August 25th, 2016 | Author:
  • Banks have exposed themselves to litigation because denial of credit to a customer on the basis of such unjustifiable reports could be injurious to businesses and even reputation.
  • There is little use for positive information if it is not being used to price credit for good borrowers. And with that in mind, it should then not surprise banks that there is such a popular clamour to control interest rates.
Category: Credit Scores  | Tags:  | Comments off
8 money moves you’ll regret
Monday, July 11th, 2016 | Author:


If youre like most Americans, youve probably used credit when cash was short, or splurged on a luxury instead of saving for a rainy day. Once in a while, this may not be a big deal. Yet if these bad money moves become habit, you could be in trouble.

Our grandparents put their gas and grocery money in envelopes and saved up for major purchases, said Mike Sullivan, spokesperson, Take Charge America, a national nonprofit credit counseling and debt management agency. Today, easy access to credit has resulted in a culture of instant gratification, and money habits have taken a turn for the worse.

RELATED:76M Americans struggling financially


Category: Debt Management  | Tags:  | Comments off
Council approves new debt management policy
Sunday, July 10th, 2016 | Author:

It may not have been the most exciting issue on Canmore council’s agenda at the end of May, but an updated debt management policy was clearly an important one for the community’s elected officials.

During one of its regular business meetings in May, council approved unanimously an updated debt management policy as presented by manager of financial services Katherine Van Keimpema.

While first approved in 2013, Van Keimpema said she undertook a review of the policy and compared it with recommendations by the Government Finance Officers Association and best practices used by other municipalities.

“We have been doing work on our long term financial policies and one direction...

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Payday lending is often portrayed as a manipulative industry only concerned with preying on naïve consumers. Thus, it is no surprise that Alabama policymakers are calling for restrictions against the industry.

Without an understanding of economics and finance, however, well-intended regulators could harm the very payday loan customers they are hoping to help.

It is important to recognize that payday lending meets an important need in the community. According to a survey by Federal Reserve economist Gregory Elliehausen, over 85 percent of payday lending customers reported that they took out a payday loan in order to meet an unexpected expense. While we all face unexpected expenses,...

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