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Author archive for Torrey Park

  • To Refinance or Not to Refinance a Home? That is the Question.

    In January of this year, the Federal Reserve lowered interest rates. By the last week of January, some lenders were…

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  • Credit Triage

    You might be thinking, “Credit? You want me to think about Credit in a time like this? There’s a global…

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  • Living Well With Bad Credit

    There are a hundred books on how to fix credit, and those books are great. But it can take years…

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  • Credit 101

    Credit is a confusing thing. Companies say they can fix your credit in less than a week for a fee.…

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  • Pop Quiz: Test Your Financial Literacy

    Pop Quiz:  Financial Literacy Being smart with your money doesn’t require any fancy degrees.  It does require keeping an eye…

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  • Budgeting – There’s An App for That

    If you need help getting your personal finances under control and sitting down with pen and paper and your bank…

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  • May the Fourth

    May the Fourth be with you!  For all of you who are not totally cool like me, May the Fourth…

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  • What happens if I miss or can’t make a mortgage payment?

    Obviously, no one wants to miss their mortgage payment, but life can be pretty unpredictable. During these unfortunate and uncertain…

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  • Talking to Creditors: Auto Loans, Personal Loans, and Credit Cards

    The spread of COVID-19 and stay-at-home orders has created challenging times for many. While financial obligations can always lead to…

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  • Loan Modification: What to Ask for When Speaking with Your Creditors about Extensions

    Extensions Understanding the relationship between a lender and a borrower is really quite simple. You may find at some point…

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