Due to the rise in identity theft I would highly recommend that you check your credit report at least once a year. A recent amendment to the FCRA (Fair Credit Reporting Act) allows you to receive a free credit report annually. It will be available to all U.S. States by Sept. 1, 2005.

The conforming loan amount limit for 2008 is $697,500. Anything above is a jumbo loan which carries higher interest rates.

FHA loan limits for 2008: $697,500

VA loan limits for 2007: 1 unit - $417,000; 2 units - $533,850; 3 units - $645,300; 4 units - $801,950

FICO 08 - New Math of Credit Scores for 2008

First-Time Buyer Programs to help reduce your monthly payment or increase the purchase price.

8 Tips to Improve Your Credit

5 Factors that Decide Your Credit

Choices that will Affect Your Loan

Reverse Mortgage - A reverse mortgage is a special type of loan used by homeowners 62 and older to convert part of the equity in their homes into tax-free cash.