Getting rid of private mortgage insurance early on - 2004-02-09
Lower rates are not the only motive4 to refinance a mortgage. Some homeowners can get rid of private mortgage insurance by refinancing their loans -- even if they continue to owe more than 80 percent of the value of the house.

To pull off this feat, you have to be good, lucky and persistent. You have to be good because you can't avoid private mortgage insurance unless you have a spotless mortgage payment history.
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His credit -- Our house - 2004-02-09
Dear Dr. Don,
I'm currently dating someone who has very bad credit due to a divorce. My credit is fairly good and improving. We are planning to move to Washington state, which is a community property state.

The question is: Will his past credit history negatively affect my credit rating if I apply for a mortgage? We do plan on buying a house one day and thought it would be best if I applied on my own instead of jointly.
Reyna Rigging
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