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Home buying up in week, but down 40 percent in year (Reuters)

London shares ended in positive territory Thursday on US jobs and home sales data after falling in early deals.(AFP/File/Carl de Souza)Reuters - Americans applied to buy homes at the highest pace last week since May, but more than 8 of every 10 loan requests was for a refinancing, Mortgage Bankers Association data show on Wednesday.



 
Summary Box: Mortgage rates hit low of 4.32 pct. (AP)
AP - RECORD LOWS: Mortgage rates fell to the lowest levels in decades for the tenth time in 11 weeks, mortgage buyer Freddie Mac said Thursday. The average rate for a 30-year fixed loan was 4.32 percent. The 15-year fixed loan hit 3.83 percent.
 
Mortgage lending down 1.5 pct as rates inch up (AP)
AP - Applications for home loans dipped last week as mortgage rates ticked up slightly from the lowest level in decades.
 
Small investors quitting Wall Street: SEC boss (AFP)

The head of the US stock market watchdog said on Tuesday that individual investors have been turning away from equities since a May crash that exposed weaknesses in Wall Street's trading structure.(AFP/File/Stan Honda)AFP - The head of the US stock market watchdog said on Tuesday that individual investors have been turning away from equities since a May crash that exposed weaknesses in Wall Street's trading structure.



 
5 Reasons You Should Buy Your Latte (U.S. News & World Report)
U.S. News & World Report - The Latte Factor, a term coined (and trademarked) by personal finance guru David Bach, is one of the most talked about concepts in the world of personal finance. But it might be based on faulty math.
 

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4 Practical Steps to Keep an Excellent Credit Rating
Most people need good credit scores to obtain a home loan. It is easier to qualify for a loan if you have excellent credit. This means you can easily buy a home whenever you are ready.
 
Instances Where You Should Never Use Your Debit Card
Debit cards are very much vulnerable. Hence, it is essential that we ensure it is protected at all time. The main thing that sets this type of card apart from credit card is that the cash outflow is instant from your bank account.
 
Getting a Car Loan After Disputing Credit
If you are in the situation of buying a car it can be as hard even if you have a good credit score, but if you are trying to purchase a car with bad credit there are quite a few options out there for you to choose when trying to get a car loan. The first thing to do is to checkout all the different lenders that are available to you and see what is the actual interest rate you will get for your particular credit rating which you have.
 
Check Personal Credit Report From All 3 Bureaus For Free Periodically
One of the great things about the financial system is that you can always get direct access to your financial standing at anytime. What that means is that you can obtain a personal credit report for free from all the 3 major credit bureaus at anytime. Within those credit reports, there is a list of all your loan accounts and all open card accounts. Now, usually it will also state balances on your loans, last payments you have made, low and high balances, your credit limits, and the account status of your loans (defaulted, open, etc.). Also, on the last page there is listing of any bankruptcies, accounts in collection, bank liens/loans and other law/court related matters. Keep in mind that these are all negative things about your personal credit report.
 

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Credit Report and Credit History | Free Credit Report
FreeCreditReport.com: Credit reports and credit history from Experian. Get your credit report and credit history now. It's fast, and easy!
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Balance Transfer Credit Card Ratings and Credit Card Applications
Balance Transfer credit cards - find ratings, expert reviews, and online credit card applications.
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Credit Report, credit score and credit check from Experian
Your credit score is a three-digit rating that quantifies your credit risk. ... A good credit score can get you better rates on common necessities ...
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Creditor Web Credit Card Comparisons
Browse and compare credit card offers from dozens of issuers to make sure you get the best deal on your next credit card
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Credit rating | Get Credit rating Breaking News and Financial ...
Stay informed on the latest Credit rating news. TheStreet is the source for financial market and Wall Street news, trading stock and personal finance advice
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The Importance Of Your Credit Rating
Do you know how your borrowing activities affect your credit rating? Find out here.
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Money News
Do high-cost funds pay off?
Question: I'm trying to choose between two funds in my 401(k) that invest in the same sector. One has higher fees, but it also performs better. How can I tell if a fund's performance is worth the higher price? --Jordan, San Antonio, Texas
 
Nab the best rates on all loans
To ensure the best deal on any loan, aim for 780-plus on your FICO score. But, that's not always possible. Here are the minimum scores for the best rates on loans.
 
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