If we could share with you two credit repair companies that will deliver superior results EVERY time and at an affordable price, would you be interested? If so, you don’t want to miss this report.

For our test group, we investigated over 50 companies VERY thoroughly; leaving nothing to question, nothing to chance.  Our objective was to find world class providers at affordable prices.  A proven track record and performance guarantee was a MUST.  We scrubbed them with a wire brush looking for dirt and then scrubbed them some more.   After the dust cleared, two great companies were left standing.

Here’s our recommendations:

Lexington Law

PRO’s

• Lexington Law is arguably the largest credit repair company on the net.  Founded in 1991 and serving over ½ million clients, Lexington Law is a trusted name in credit repair.  Lexington Law has 22 attorneys and 400+ paralegals on staff ensuring the highest degree of professional help.  The past clients we interviewed were very happy with their services.

Proven track record-

• Lexington Law provides a full report for last quarter credit disputes won in the clients favor.   Lexington also states they removed a total of 600,000 questionable negative items last year alone! 2008 Quarterly Report

• Federal Trade Commission – Had no negative reports on Lexington Law.

• Strong refund policy that reads:

“As a consumer advocacy law firm, Lexington Law is committed to ensuring the rights and fair treatment of our clients. This commitment is exemplified by our own refund policy. We believe that you should not have to pay for services that have not been properly rendered. Our refund policy is simple: If we fail to provide the agreed-upon services to you (as outlined by your selected service level) for any given month, you will not be billed for that month, or will be refunded your fees for that month if your payment has already been processed.”

• Better Business Bureau rating: A-

CON’s

Size-

• Although they do offer the biggest team, this may also be the biggest drawback for those of us that crave a little personal attention.  With Lexington Law, you will find that many of their systems are “help yourself” in nature.  And while Lexington still does the credit disputing, you’ll need to log into their website and initiate the services they offer.  Think of it as automatic with a touch of do it yourself.

• Better Business Bureau – reported a total of 284 complaints in the past 36 months alone.  Please note:  ALL THESE COMPLAINTS HAVE BEEN RESOLVED as reported by the Better Business Bureau.  Most of the 284 complaints could be sourced to refund or exchange issues (76) and billing or collection issues (96)

• In our opinion, this is still a VERY GOOD track record considering the case load that Lexington Law handles.  The Better Business Bureau report would not scare us from using their services because they get results.

Sky Blue

PRO’s

• A proven nationwide credit repair company that has been in the business since 1989.  Sky Blue offers Great value with a personalize touch.  While both companies offer unlimited disputes, Sky Blue provides the MOST customer care.  They also keep things simple with a single monthly fee and offer spousal discounts

• Better Business Bureau rating: A+

• Federal Trade Commission- NO negative information reported.

• Rock solid refund policy that reads:

“We offer the most simple and reassuring guarantee in the business. If you are not satisfied we will refund your money in full. No questions asked.”

CON’s

• It’s a stretch trying to find something negative about a company that has done so well in this business.  We did note: They have only been a Better Business Bureau member since 1/2009.  This is not much of a track record.  But on the other hand, Sky Blue was founded in 1989 giving them 20 years of experience.

Our winner and personal favorite –

Sky Blue

Because we feel that anything dealing with credit scores, money, and banking requires personal attention.  We also like their iron clad money back guarantee, spousal discounts, and simple payment plan.

After examining about 50 other credit repair companies, we also noted many charged as much as $800 dollars for the very same services quoted below.

• Sky Blue -$49  Dollar set up fee and then $49 Dollars monthly.  Cancel anytime.  This includes unlimited credit bureau disputes.
• Lexington Law – $99 Dollar set up fee, and then $39 to $79 dollars monthly depending on the level of service you require.  Cancel anytime.

Without a doubt, fixing your credit is the easiest way to start saving BIG money.  And, for the cost of attending a local sporting event, we’ve shown you can hire a very professional credit repair company and CHANGE your financial future.

This is the opportunity you have been waiting for.   Act Today!

Your satisfaction is of the utmost importance to us at CASCADE FINANCIAL so we offer this unprecedented money back guarantee. We stand behind our service, rates, and pricing so you can sleep well knowing you have made the most intelligent mortgage decision.

We Will:

• Take full responsibility for our actions and be honest at all times

• Ask questions and listen to you in order to fully understand your needs

• Create mortgage solutions that complement your overall financial strategy, and allow you to most effectively accomplish your short and long term financial goals

• Determine a fair rate for your given loan program and credit situation AND give you the option to lock in that interest rate or “float” it. If you choose to lock your interest rate, we will GUARANTEE that rate at closing unless your credit situation changes during the application. This includes, but is not limited to, undisclosed poor credit, change of program, denial by the lender through which we locked the loan, or delay in your loan closing due to factors beyond CASCADE FINANCIAL’S control. If you elect to float your loan, the choice of when to lock the interest rate is yours. As part of our loan process, you will receive regular market updates designed to assist in choosing the perfect time to lock your interest rate.

• Prepare a Good Faith Estimate and GUARANTEE that your actual costs- excluding title company/closing attorney costs- will be within 5% of our proposal or WE will pay the difference. This applies to actual costs only and does not include escrows and prepaid items. The industry standard is between 10% and 25% variance, so you can see that we truly do stand behind what we quote you.

• Respect your time and minimize the amount of effort required of you by applying our knowledge, experience, and resourcefulness

• Explain the entire mortgage process so you can anticipate what to expect all the way through closing.

• Provide weekly loan status updates and proactively communicate to reduce the stress associated with uncertainty. We will provide the opportunity to have all your questions answered with your personal mortgage planner.

• Ensure smooth, on-time closings with anticipated costs and terms so you feel comfortable and relaxed.

• Perform annual mortgage reviews to make certain your financial objectives are realized.

No one else in the industry stands behind their products like this and we are proud to add you to the growing list of happy, satisfied customers of CASCADE FINANCIAL.

We ask only one thing of you. Referrals are the lifeline of our business and, therefore we request that you refer at least 2 people to us during your time in process with us. They will receive the same exceptional service and, of course, the same guarantee!

From all of us at Cascade Financial, we thank you for your patronage and look forward to serving you.

Quin Linich

This may seem obvious to you but believe it or not, most people don’t know how much home they can afford to buy. Would you go to the grocery store to do your weekly shopping if you had no idea how much money you had to spend? Probably not. You would look at your budget and stay within those basic constraints. The same thing holds true when buying a home, but on a much larger scale. Discovering how much home you can afford is called pre-qualifying. This is a very simple and painless procedure which can usually be done over the telephone by an experienced mortgage professional called a “Broker”

The broker will review your income, debts and expenses to arrive at a fairly accurate estimation of how much home you can afford. There is no cost for this service and we are glad to do it. Often, you’ll qualify for much more home than you thought you would!

We then go over exactly what your wants, needs and desires are and then tailor a loan especially for you and your needs. We call this our “Value Plan”, giving you a loan amount, combined with favorable interest rates and comfortable payments makes moving on to step 2 easy.

Step #2 PRE-APPROVAL – THE KEY TO SUCESS!

Pre-approval means getting approved for your mortgage ahead of time. Don’t confuse this with pre-qualifying. Pre-approval is where you actually apply for the loan and get approved by a lender for specific amount of money and a specific loan to value ratio. The loan to value ratio is the percentage of the loan amount in relation to the value of the home, the difference is your down payment. We have been able to get many of our customers their dream homes with as little as no down payment. Now when you find your dream home, you only need an appraisal and you can close on your home in only one week! This is a very valuable buying tool! It gives you the negotiating power of a cash buyer, which often could save you thousands of dollars off the price of your dream home. Here’s how…

You and another buyer both put offers on the same home at the same time but your offer is for $1,200 less. The other buyer didn’t get pre-approved, this means if the seller accepts their offer, they must take their home off the market for a month or more while the buyers go through this process. If they don’t get approved then the sellers have to start all over by putting their home back on the market again.

Most people believe that a bird in the hand is worth two in the bush and would rather have your guaranteed offer of $1,200 less with a quick, smooth cash-like closing. You just saved $1,200! Imagine how much more negotiating power you would have on a distressed property where the sellers NEED cash fast, or on a foreclosed or repossessed property.

This really works!

Another advantage is that your Realtor will work extra hard for you, concentrating all his efforts on finding you your dream home since he knows you’re already approved for a loan. The only thing standing between him and a sale is that he needs to find you your dream home. Pretty strong incentive!

Also, if you have any credit blemishes or any other unique situations, we have time to take care of them before you enter into contract and start making moving plans. It will also give you tremendous peace of mind, and besides, it’s something you need to do before buying a home anyway!

Cascade Financial & Co. will be happy to provide you with a pre-approval and give you a certificate worth $100 off your closing costs. Call today to arrange a convenient appointment or to get pre-approved by mail, in person, or over the internet.

Step #3 GET FREE PROFESSIONAL HELP

Now that you know how much house you can afford to buy and how much money you’ll need tod close, it’s time for the fun part…Finding your dream house! If you’re like most people these days, you don’t have much time to go driving around looking at several homes just to find out that most of them aren’t at all what you’re looking for. This is where it pays to use a Professional Real Estate Agent. The seller of the home usually pays the commissions for the Realtors so it’s like you’re getting the services of a professional for absolutely free! Let them weed out all the homes you’re not interest in, this way you only spend time seeing the homes with true potential. Taking a little time in the beginning to get the right people on “your team” will save you time, effort, money and grief later on.

Here are some tips for finding and choosing the right Realtor:

Ask friends and family for names of Realtors that have done a great job for them in the past. (Be wary of using a Realtor that is a relative or close friend unless they are extremely qualified. It could cause a very uncomfortable situation, especially if you’re unhappy and need to fire them).

Ask a qualified mortgage professional for the names of his favorite Realtors. It is very important that your mortgage broker and real estate broker work well together. Any mortgage broker that is active should have a good relationship with many of the more respected Realtors in town and will be happy to refer you to them.

Drive the area. If you already have a good idea of where you want to buy, drive around in that area and look for the one or two really prominent Realtor signs. Chances are strong that they know a great deal about the strengths and weaknesses of that area and which ones are offering the best deals.

Interview the Realtors. This is very important. You are about to enlist this person to represent you in possibly the biggest purchase of your life. You must feel comfortable with their knowledge, experience and integrity. Don’t be shy to call and ask them questions, not only about their experience and what they can do, but also about themselves so you can get a real feel for that person. You need to feel comfortable with the person helping you to find your dream home.

Step #4 FINDING YOUR DREAM HOME QUICKLY

Now it is time to put your Realtor to work finding your ideal dream home. The key is to be very specific when describing your home requirements. This helps the Realtor narrow it down for you. There is no reason to look at 100 homes when you can find your dream home in a narrowed down selection of only 4 or 5.

After driving by the potential homes your Realtor suggests, choose the ones that most closely resemble your desired home from the outside. Your Realtor will then give you a tour inside these homes and when you find your dream home, your Realtor will help you negotiate the best deal.

This is the surest, quickest and most effective way to find your perfect home and can save you months of searching.

Step #5 NEGOTIATE THE LOWEST SALES PRICE

So you and your Realtor have found the perfect house, in the perfect neighborhood, – your dream home. You know you can afford it because you’re pre-approved … Great! Now comes the negotiation. Remember that a home purchase is a free market, arms length transaction between a willing seller and an able buyer, the price is whatever you two agree upon.

It is usually best to allow the Realtor to negotiate on your behalf. They have experience in negotiating on properties and can usually do a better job, remember, this is what they do for a living. They will work with you by pulling up all the comparable sales in that area in the past year and discussing with you the proper strategy for your offer. The average home sells for close to 95% of the asking price. Being pre-approved can help you increase that difference.

Since there are so many factors that go into each negotiation, it would be difficult to outline them all here – every sale is unique. Your Realtor should be able to answer all your real estate questions. If you don’t have a Realtor because you’re buying a home that is for sale by owner, or if you have any questions about these 5 easy steps to getting your dream home, give us a call at Cascade Financial & Co. and we’ll be glad to help.

Residential Construction Loan Checklist

Focus more on customizing your home with greater peace of mind. That’s our position on construction lending. With our experience and dedication to new homes, it’s no surprise the areas elite communities and builders turn to us for financing.  From Ground breaking to housewarming, our expert team of architects and contractors are standing by to assist you throughout the entire construction process.

Cascade Financial offers convenient Construction-to-Permanent home financing with only one application and one closing saving you both time and money.

Our new home construction specialities:

• Home Improvement Loans
• Ultra custom waterfront and golf course community homes.
• Spec homes for investors and non owner occupied properties.
• Lot Loans
• Land development – raw land with no infrastructure.
• Bridge Loans – Transfer the equity from your existing home to start construction on your new home.