http://www.medhomeloans.com/content/blog.htmMedical Home Loans Bloghttp://www.medhomeloans.com/content/sperm_abnormalities_seen_in_male_lupus_patients.htmMale SLE patients with reduced testicular volume have high frequency of sperm abnormalities - Arthritis Rheum.<p>Source: <a href="http://www.doctorslounge.com/rheumatology/news/lupus_sperm.shtml">http://www.doctorslounge.com/rheumatology/news/lupus_sperm.shtml</a><p>http://www.medhomeloans.com/content/where_vacation-home_buyers_are_buying_and_where_they_arent.htmIn this weeks survey of news from the Web Open House looks at why alumni and retirees are making purchases in Happy Valley, an East Coast beach town thats losing more than just summer beachgoers, where the subprime mortgage mess has hit hardest in Santa Ana, Calif., and a luxury boom in Des Moines, Iowa. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149530334/20070829-kim.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149530334/20070829-kim.html</a><p>http://www.medhomeloans.com/content/for_homeowners_who_want_to_go_green_these_web_sites_may_hel.htmWith just one click on your home computer you can find tips to help you conserve energy and do your part to save the environment. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149530335/20070829-cohen.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149530335/20070829-cohen.html</a><p>http://www.medhomeloans.com/content/future_of_incandescent_bulb_dims_as_other_options_gain_power.htmIf U.S. lawmakers have their way, the lights may soon go out on Thomas Edisons greatest invention -- the incandescent light bulb. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149530336/20070829-cohen2.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149530336/20070829-cohen2.html</a><p>http://www.medhomeloans.com/content/neighbors_swap_houses_instead_of_testing_the_housing_market.htmDenise Sedehi wanted to downsize; her neighbors Harold and Cindy Rubenstein were looking for a larger place. They exchanged houses and are happy with the switch. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149530337/20070827-kim2.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149530337/20070827-kim2.html</a><p>http://www.medhomeloans.com/content/existing-home_sales_decline_prices_drop_inventories_rise.htmIn July, the number of homes sold fell 0.2% a fifth straight decline. The median home price was $228,900, down 0.6% from July 2006. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149100705/20070827-bater2.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal/~3/149100705/20070827-bater2.html</a><p>http://www.medhomeloans.com/content/are_housing_stocks_in_the_bargain_basement.htmReal-estate sectors may have further to fall, but there may be some gems amid the wreckage. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/149528166/20070829-corkery.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/149528166/20070829-corkery.html</a><p>http://www.medhomeloans.com/content/reits_may_be_a_good_buy_for_long-term_investors.htmEven though real estate investment trusts are struggling, several money managers say its time to start reinvesting in your favorite REIT fund. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/149528167/20070829-coleman.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/149528167/20070829-coleman.html</a><p>http://www.medhomeloans.com/content/full_force_of_housing_glut_is_felt_as_condominium_buyers_bac.htmForeclosures and bankruptcies of condo projects are rising as buyers who signed contracts two or three years ago are having trouble getting financing. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/149100308/20070828-frangos.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/149100308/20070828-frangos.html</a><p>http://www.medhomeloans.com/content/home_sales_offer_encouraging_signs.htmThe number of new homes sold rose 2.8% in July, and Junes results were revised upward. But groundbreakings by home builders fell to the lowest level in 10 years. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/148677013/20070824-bater.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/148677013/20070824-bater.html</a><p>http://www.medhomeloans.com/content/toll_brothers_offers_glimmer_of_hope_on_jumbo_mortgages.htmThe home builder said it hasnt faced problems selling off jumbo mortgages, even as the luxury home builder posted an 85% drop in earnings. <p>Source: <a href="http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/147615017/20070824-corkery.html">http://feeds.realestatejournal.com/~r/wsj/realestate_journal_commercial/~3/147615017/20070824-corkery.html</a><p>http://www.medhomeloans.com/content/suicide_attempts_decline_after_depression_treatment.htmGroup Health study, which included 100,000 patients, sheds new light on FDA warning for antidepressants - Am J Psychiatry.<p>Source: <a href="http://www.doctorslounge.com/psychiatry/news/suicide_decline_antidepressants.shtml">http://www.doctorslounge.com/psychiatry/news/suicide_decline_antidepressants.shtml</a><p>http://www.medhomeloans.com/content/cellular_atypia_of_the_breast_in_at_least_3_sites_is_more_pr.htmWomen with at least 3 sites of cellular atypia in the breast are nearly 8 times more likely to develop breast cancer - J Clin Oncol.<p>Source: <a href="http://www.doctorslounge.com/oncology/news/breast_atypia.shtml">http://www.doctorslounge.com/oncology/news/breast_atypia.shtml</a><p>http://www.medhomeloans.com/content/magnesium_sulfate_has_more_side_effects_than_nifedipine_as_t.htmMagnesium sulfate, is more likely than nifedipine to cause mild to serious side effects in pregnant women - Obstet Gynecol.<p>Source: <a href="http://www.doctorslounge.com/gynecology/news/preterm_labor_nifedipine.shtml">http://www.doctorslounge.com/gynecology/news/preterm_labor_nifedipine.shtml</a><p>http://www.medhomeloans.com/content/needle-stick_injuries_are_common_but_unreported_by_surgeons_.htmResident surgeons fail to report needle-stick injuries risk serious infection such as HIV or hepatitis - N Engl J Med.<p>Source: <a href="http://www.doctorslounge.com/surgery/news/needle-stick_injuries_surgeons.shtml">http://www.doctorslounge.com/surgery/news/needle-stick_injuries_surgeons.shtml</a><p>http://www.medhomeloans.com/content/good_income_low_fico_mortgage.htmIf you have a good income but a low fico score and need a mortgage there are options availible. FHA is a great place to start, since FHA is not based entirely on credit score you have a great chance of qualifying. It is a strong compensating factor for and FHA mortgage to have a good income and low debt to income ratio.http://www.medhomeloans.com/content/rapid_rescore_fico.htmRapid Rescore Fico can be utilized if you have false information on your credit/fico report that has to be quickly corrected. You can consult with a mortgage broker to go through credit improvement process known as rapid rescoring. This can be very beneficial to you when you are applying for a mortgage loan, because this can increase your fico scores. http://www.medhomeloans.com/content/fix_fico_score_-_rapid_rescore.htmFix fico score - rapid rescore is a process that can help you remove incorrect information in your credit report and give you updated scores in under 5 days. The three credit agencies that utilize rapid rescoring do not work with the borrowers directly. You will have contact a mortgage broker or banker to assist you in the process. http://www.medhomeloans.com/content/low_fico_refinance.htmIf you have a low fico score and are trying to refinance you have a few options. If your mortgage payment history is good you may be able to get a FHA refinance even with a low fico. However if you have many late credit accounts or accounts in charge off FHA may not qualify you for a low fico refinance.http://www.medhomeloans.com/content/loan_programs_for_people_with_low_fico_score.htmLoan programs for people with low fico score are possible. As you read on, you will learn how to get the best loan programs and meet the strict guidelines that lenders have for lower credit score borrowers.http://www.medhomeloans.com/content/mortgage_with_low_fico_and_bankruptcy.htmGetting a mortgage with low fico and bankruptcy is possible, but will require you to do several things on your part to show lenders that your are trying to improve your financial and credit situation. http://www.medhomeloans.com/content/tri_merge_score_or_fico_score.htmChoosing between a tri merge score or fico score maybe a dilemma your facing when its time to order your credit report on an annual basis for viewing any errors or discrepancies on it. The two are different indeed, and you should become aware of which one you need to get. http://www.medhomeloans.com/content/loans_with_low_fico.htmIf you are trying to secure a loan with a low Fico score you have a few obstacles in your path. Most mortgage lenders will only lend at lower Loan to values to borrowers with low Fico scores. Your interest rate will also be higher with a low Fico then a borrower with a high Fico score.http://www.medhomeloans.com/content/your_fico_score_and_loan-to-value.htmNearly all lenders, whether conforming or subprime, use your FICO score to determine the loan-to-value that you can borrow to. For most lenders these guidelines are accross the board with the exception of a some niche lenders that may allow slightly higher loan-to-values.http://www.medhomeloans.com/content/fico_scores_below_500.htmSometimes bad things happen to good people in unfortunate circumstances such as medical situations and family emergency's. During these tough times it's not uncommon to have some bills go unpaid and possibly even missed mortgage payments. These events can have devastating effects on their credit profile as well and some people find themselves in a position where their credit scores have fallen below the 500 mark. Individuals who have a FICO score below 500 will find that most mortgage company's are unable to help them. But there is hope. Hard money lenders often base their lending decisions on the equity contained within the property versus the individuals credit scores and credit profile. This can be a solution to some situations and it's important that the applicant explore all possiblities before making a final decision. http://www.medhomeloans.com/content/fico_score.htmA FICO score is a generic score used to rate your credit. The FICO score was created by Fair, Isaac and Company, Inc. and was designed to predict the probability of borrowers becoming deliquent in their credit obligations. http://www.medhomeloans.com/content/fico_score_models.htmA FICO score model is a number that rates a borrower's credit record. The score is based on a number of factors, including how well debts have been paid off, current levels of debt, types of credit, and length of credit history. Scores generally range from 350 to 900.http://www.medhomeloans.com/content/cleaner_credit_raises_fico_scores.htm8 general guidelines for keeping clean credit 1. Minimize credit inquiries; 2. Pay bills early; 3. Pay off revolving cards monthly; 4. Never close a credit account; 5. Don't switch credit cards to get the best rate; 6. Keep the oldest credit account on your credit report; 7. No more than 2 major bank cards; 8. No more than 50% of your revolving credit limithttp://www.medhomeloans.com/content/credit_score_under_660.htmIf you have a credit score of below 660, do not be deterred. Despite many changes in secondary marketing guidelines, there are still programs available for those with credit scores below 660. There are still 100% financing, low down payment financing, and high ltv cash-out refinances available for those with credit scores below 660. The next paragraphs will highlight many of the programs available for credit scores below 660.