Welcome to Home Mortgage Loans Today. This blog was created to offer expert advice from a licensed mortgage broker regarding securing a mortgage, refinancing a mortgage and optimizing your credit score.

This site is not designed to lead our readers into particular lenders or credit specialists. We’re providing this information in a DIY (Do it Yourself) format to educate the general public of their rights regarding the various laws, agencies and general consumer privileges under the Fair Credit Reporting Act (FCRA), a federal law (15 U.S.C. � 1681) that regulates the collection, dissemination, and use of consumer credit information. Along with the Fair Debt Collection Practices Act (FDCPA), which forms the basis of consumer credit rights in the United States.

Although the name of this site might elicit the conceptualiztion our goals is to assist mortgage brokers and lenders to act quick and close loans “today”, the word “today” in Home Mortgage Loans Today connotates the current time period we are living in and not to be confused with a synonym for today as being “at this moment”.

This site was conceptualized after the creators had spent years dealing with the various entities in the home loan and mortgage fields only to realize how truly corrupt a vast majority of the industry is. It is the goal of this site to “spill the beans” on the industry in order to level the playing field for all of the honest, hard working Americans who are struggling to keep their heads above water.