cspraggins

Crystal Spraggins is a professional writer and human resources consultant in Philadelphia, PA. She has a special interest in issues affecting American workers and small business owners. She also writes on personal finance and business finance topics, and maintains a personal blog.

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Are Banks Easing Up on Lending Requirements?

Filed in Mortgage News by on December 4, 2013 0 Comments
Are Banks Easing Up on Lending Requirements?

The press release for Ellie Mae’s September 2013 Origination Report is subtitled “Purchase Loans Share Continues to Grow as Credit Standards Loosen,” which is news that should please potential homebuyers or those looking to refinance. [Also on the Homeblog: Tight lending standards in absence of buyback clarity stifles housing market recovery] In the press release, […]

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Should I Trust a Yelp Review When Buying or Refinancing a Home?

Filed in Personal Finance by on November 27, 2013 0 Comments
Should I Trust a Yelp Review When Buying or Refinancing a Home?

Congratulations! You’ve just learned that you qualify for a mortgage. Now what? Securing your home financing is a big deal. It’s a complicated process with all kinds of forms and fees and numbers to consider. And so many lenders compete for your business! How do you know you’re working with one who can be trusted […]

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As Lending Weakens, The Mortgage Industry Is Likely To Cut More Jobs

Filed in Mortgage News by on October 14, 2013 0 Comments
As Lending Weakens, The Mortgage Industry Is Likely To Cut More Jobs

This week’s report from the Mortgage Banker’s Association, showing another decrease in the number of mortgage applications from the previous week, has some experts predicting that the industry may continue to lose jobs. According to a recent Wall Street Journal article, overall employment at the six largest U.S. banks declined by 26,254 jobs, or 2.2%, […]

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More Bad News About the Government Shutdown

Filed in Mortgage News by on October 3, 2013 0 Comments
More Bad News About the Government Shutdown

It’s Day Three of the government shutdown, and neither side has blinked.Yesterday’s meeting at the White House, during which congressional leaders sat down with President Obama, apparently did nothing to move the situation further along to resolution. While many Americans have yet to feel any real affect of the shutdown, that’s not true for thousands […]

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Common Reasons for Mortgage Rejection

Filed in Mortgage News by on October 1, 2013 0 Comments
Common Reasons for Mortgage Rejection

If you’ve been rejected for a home loan, you’re not alone. In fact, hundreds of thousands of applicants are rejected each year. The Federal Financial Institutions Examination Council (FFIEC) released a report this month showing 2012 rejection rates of between 11% and 33.6%, depending on the institution. Here are all the common reasons why an […]

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How to Choose the Right Real Estate Agent

Filed in Buying a Home, Selling a Home by on September 24, 2013 0 Comments
How to Choose the Right Real Estate Agent

The internet has changed so many things, including the way we buy and sell our homes. These days, a buyer can view hundreds of potential new homes online (in three-dimensional space, no less) and using a site like ForSaleByOwner.com, a seller can list and market his home without the assistance of an agent. What’s more, […]

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Open House Security/Safety

Filed in Buying a Home by on August 16, 2013 0 Comments
Open House Security/Safety

Having an open house? Follow these practical tips to keep your family and property safe. It’s good and kind to give people the benefit of the doubt, but there are thieves—and worse—among us. So, how can you keep your property and family safe during an open house, when you’ll be throwing your front door open […]

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Strategies For Handling a Difficult Neighbor

Filed in Home & Garden, Homeowner Resources by on July 23, 2013 0 Comments
Strategies For Handling a Difficult Neighbor

Once in a while I complain that neighborhoods aren’t like they were in the “good old days” when everyone on the block knew everyone else and kids routinely ran in and out of each other’s homes. “These days,” I lament, “neighbors hardly know each other, and people just keep to themselves. I’m not sure I […]

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Setting Up a Home Office

Filed in Home & Garden, Homeowner Resources by on July 22, 2013 0 Comments
Setting Up a Home Office

Whether you work from home full-time or simply need a dedicated spot to pay bills, review mail, and surf the Internet, a home office can help you to stay organized and on top of important deadlines. Here are a few tipsfor making your home office work for you. Pick a spot An extra bedroom or […]

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Need A New Roof? Here’s What You Need To Know

Filed in Home & Garden, Homeowner Resources by on June 27, 2013 1 Comment
Need A New Roof? Here’s What You Need To Know

Are you intimidated by the prospect of getting a new roof? You’re not alone. Roofs are expensive, and who wants to climb on the roof and inspect the work? Not too many people, I’ll bet. And that makes finding a qualified, trustworthy roofer all the more important. So, what should you know before contacting the […]

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