Archives for Personal Finance Tips

Debt Collectors Sharpen Their Knives And Lick Their Chops After Fair, Isaac & Co. (FICO) Releases Latest Report

Note:  This article is by credit expert Mike Payne.  Read it carefully and be sure to check out Mike's free resources over at! FICO’s latest report stuns economists, stating 43.4 million people with 599 credit scores or worse!  43 MILLION! If this stat is not ugly enough for you, try this one: another 112 million possess what is termed “bad” credit. Bottom Read full article »

Pregnancy Could Derail Your Home Loan Application

If your wife or significant other is pregnant, then you might want to leave her at home when you go to speak to the bank about a loan. Mortgage companies are looking askance at expecting couples as a higher risk for default since their income will likely temporarily fall while one or both parents take leave to care for the Read full article »

Texas Woman Catches Sneaky Debt Collector Red-Handed

Note:  The article below comes from the one and only man in the entire world that I trust on the issue of credit repair:  Mr. Mike Payne.  If you or any of your customers/buyers/renters are in need of advice and strategy regarding credit repair, Mike is the guy to give it to you.  Of course, like every other page on Read full article »

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The Politics of Real Estate

Few industries are as profoundly impacted by the political machinations in Washington as the real estate industry. Whether it's old legislation like Jimmy Carter's Community Reinvestment Act or Barack Obama's massive mortgage bailouts, the U.S. political machine has a huge impact (usually bad) on the business of real estate.

Ideally, we could ignore politics. But here at the Bryan Ellis Real Estate Letter, we insist on seeing the world with clarity - including the reality of Washington's aggressive involvement in every facet of our business, from mortgage lending to real estate sales license; from loan modification regulations to appraisal requirements... every piece of our business is profoundly impacted by politics. So rather than stick our heads in the sand and ignore reality, readers of the Bryan Ellis Real Estate Letter choose to be informed and prepared.

About Bryan Ellis

Bryan Ellis is an Atlanta-based real estate analyst and publisher of the widely read newsletter "The Bryan Ellis Real Estate Letter". With over 200,000 subscribers - including real estate investors, agents, brokers, appraisers and other real estate professionals - the Bryan Ellis Real Estate Letter is among America's largest sources of unbiased coverage of politics and public policy for the real estate industry.

Bryan Ellis serves as editor in chief for the Bryan Ellis Real Estate Letter and is assisted by an extraordinary staff of writers, researchers and editors who are each real estate experts in their own right and who assure that the news we report is well researched, factual, and highly relevant to today's real estate industry.

Bryan is very happily married and has two wonderful daughters. He makes his home in the suburbs of Atlanta, Georgia. You can contact the team at the Bryan Ellis Real Estate Letter here.