ROY Mason

Contact ROY MASON
METRO HOME LOANS

858-752-3523 or 619-223-1500

Email me your senario LoanOfficerRoy@aol.com

What Consumers Don't Know About Their FICO Score Can Cost Them Money

Studies show that nearly 80% of all credit reports contain serious errors that could cost consumers extra money in high interest rates, insurances rates and mortgage fees.

Three quarters of all lenders use consumer credit scores when considering whether to extend a loan or credit. Consumer FICO scores are also used to determine a person's ability to get a job. The higher the credit score, the more favorable, including lower the interest rates on loans and credit cards. To get the best interest rates, some experts suggest that consumers have a score of 720 or above. Others say that 750 or higher will guarantee the best rates.

www.SanDiegoRealtyUpdate.com

ROY MASON
Loan officer & Realtor

DIRECT LINE 858-752-3523

TO APPLY / Search hundreds of commercial /Private money lenders POST your senario here and get quotes in the same day

CLICK HERE http://www.c-loans.com/r.cgi?r=000903

Commercial Mortgage Loan Application and List of Commercial Lenders

This commercial mortgage loan system is exactly what you need. Seven hundred and fifty commercial lenders await your application. Simply input your needs. Then ask the system, "Hey computer, show me the cheapest commercial mortgage lenders for my particular deal." Presto-chango, the computer will instantly search a database of 750 commercial mortgage lenders and give you a list of twenty commercial mortgage lenders who are hungry for your exact type of deal. You can then submit your loan to the four most attractive commercial lenders with just one mouse click. You can also use the phone numbers listed to call the lenders directly. Lenders will then contact you by phone and by e-mail to compete for your business. These direct commercial mortgage lenders chase YOU, so your negotiating position is so much stronger.

Commercial lenders are fussy. No problem. If your loan gets turned down, simply go to the next four cheapest commercial lenders on the list and apply with a simple mouse click. There are lots of "A" paper lenders, "B" paper lenders and easy "C" paper lenders. You fill out just one application, and it works for everyone. Slick, huh? Please tell us below how the lenders can reach you.

How Long Does Information Stay on a Credit Report?

Credit information can, and usually does, stay on a person's credit report for seven years. Collections stay on the report for seven years from the date of last activity - whether that is the date that the account was filed as a collection or the date the account was paid in full. Here's an example:

"Jane Borrower" had a collection for $300 filed against her in October of 1994, and she hasn't paid it. It is now September of 2001, so in a few weeks that collection can come off of her credit report. (She will probably have to request of all three credit bureaus that they take it off.) However, Jane has applied for a loan today, and the loan officer tells her that she has to pay off that debt in order to be approved. Since she has the money, she pays it off. Because the date of last activity is now September 2001, the collection will show on her report until September 2008 - another seven years.

Bankruptcy information can stay on a credit report for ten years. Information about foreclosures is reportable for twelve years from the date filed. Garnishments, judgments, and tax liens can stay on the report for twelve years from the date of entry or for seven years from the date they were satisfied. Dismissed garnishments, judgments, and tax liens are not reportable.

For Credit repair solutions check out www.Ucan2credit.com/CreditRepairSpecialists

Celebrating New Year's Eve is one of those things that you either acknowledge with a bang or you let it sneak in quietly. Myself, I tend to prefer a quiet evening at home, perhaps preparing a nice dinner for myself and my wife, and if we're lucky, we make it to midnight to watch Ryan Seacrest on Times Square. Yeah, boring.

Other around San Diego (i.e. younger people:-) like to head to big events to celebrate with the rest of their friends and community. And that's cool, too, because San Diego has a couple of longtime traditions for ringing in the New Year.

Sure, we don't have an established gathering spot, a la New York City's Times Square or even Seattle's Space Needle, that San Diegans can go to without being charged an arm and a leg. Nevertheless, there are big bashes where you can go, even places where the whole family can go. In addition, many hotels and restaurants around town have special New Year's Even dinner packages, if you're so inclined.

Here are a few suggestions to ring in the New Year with a bang. Check the links below for more info for each event. Just remember to be careful and don't drink and drive.

Times Square West
West Coast's Premier New Year's Eve Extravaganza
Hyatt Regency La Jolla at Aventine, 7pm - 2am
Tickets: $135 per person (general admission), $150 for reserved table seating, $249 for premier dinner seating.
Dance, eat, celebrate and enjoy. The ninth annual Times Square West Celebration at the Hyatt Regency La Jolla at Aventine is the West Coast's Premier New Year's Eve Extravaganza. This event has become a tradition - our version of NYC's Times Square. It even features its own mini-version of the countdown clock and ball that descends from the Hyatt Aventine's tower. Entertainment by Euge Groove, Peter White, Richard Elliot and Oli Silk inside the Grand Ballroom prior to midnight. They will come together as the Times Square West All Stars after midnight

Big Night San Diego
Sheraton San Diego Hotel and Marina, 1380 Harbor Island
Sunday, December 31, 2008, 9:00 pm - 2:00 am
Tickets: $109.99 per person (advance purchase, all-inclusive, 21 and up only). VIP tickets also available
This event has become popular with young adults because of its size and the price is all-inclusive of food and drink. Big Night features 16 party areas: Mardi Gras Ballroom & Stage, Vegas Casino Lounge (Mock Casino Gambling), 91X Stage & Ballroom, Retro Ballroom (Best of 70's, 80's & 90's dance tunes), Electronica Club Ballroom (The hottest club & dance music)/Hip Hop Club Room, Dining Area all in the main event (see below for more info). In the VIP area there are two additional zones: VIP Lounges, & VIP Club Zones

New Year's Eve Gala Aboard the Midway Aircraft Carrier
December 31, 2008 8 p.m. - Midnight
USS Midway, Navy Pier
Individual Tickets: $159 per person
This event is unique (and pricey) but where else can you celebrate the New Year aboard an aircraft carrier? Ring in the New Year at Peartrees Catering annual New Years Eve Gala onboard the USS Midway Aircraft Carrier for the best view of the midnight fireworks extravaganza over the San Diego Bay. The event includes an open premium bar, elegant dinner buffet, dancing to the live music of The Big Daddy Orchestra and is from 8pm until 1am.

National Comedy Theatre
December 31, 2008, 9:30 p.m.
3717 India St., San Diego
Tickets are $69 per person
The National Comedy Theatre will present its annual New Year's Eve Spectacular. Similar in style to Drew Carey's "Whose Line is it Anyway," the National Comedy Theatre (NCT) is a high-octane improvisational comedy show based completely on audience suggestions. In addition to the regular performance, there will be catered food, and an after-show party with the cast, culminating in a countdown to the New Year. The show has received national acclaim and is appropriate for all audiences.

Gaslamp Restaurants
Various times and prices
If a nice dinner and festive atmosphere are more your speed, and you don't want to be locked into one enclosed space, the restaurants of the Gaslamp Quarter is your best bet. Virtually all of the venues have some sort of New Year's Eve package, and you can take in the revelry of Fifth Avenue as well.

New Year's Yacht Party :
December 31, 2008, 8 p.m.- 1 a.m.
Ticket price: $169 per person (advance purchase)
Saunter aboard the largest private charter yacht in Southern California and enjoy unlimited beer, wine, top shelf liquors, hors' devours, chocolate fountains and other tasty delights. This event will feature 3 levels of music including a Hip-Hop dance deck, a legendary 80'z all-stars cover band and a variety of smooth tunes on the open air deck. Enjoy the best view of fireworks in San Diego.

Argyle Steakhouse, Fours Seasons Resort Aviara:
Celebrate New Year's Eve in style at Four Seasons newly renovated Argyle Steakhouse! Enjoy live music with the Fuzzy Rankins Band (7 - 11 p.m.) and special four-course menu prepared by Chef Kurtis Habecker.

The Marble Room:
Ring in the New Year at the Marble Room located at 535 Fifth Avenue in downtown's Gaslamp. Two seatings: the first seating is $60 per person for a four-course meal. The second seating is $120 per person for a six-course meal and table and cover for the entire evening. 619-702-5595 for information.