: About Me

Ron Borg is the Founder and CEO of www.Mortgage123.com - Home of the Consumer Credit Protection Plan which provides mortgage shoppers with up to 8 lender quotes while only pulling a single credit file. Competitors simply forward your application to multiple lenders who then each pull their own copy of your report. This has the double negative affect of hurting your score and opening you up to identity theft. At Mortgage123.com you are provided a highly trained mortgage adviser that offers you assistance in reviewing quotes from our network of 80+ lenders. Mortgage123.com also handles all the paperwork to make your entire mortgage process as simple as 1...2...3!

Ron has been an adviser to mortgage borrowers and mortgage loan officers for over 20 years. He was recently asked to be the first chairman of Mortgage Brokers For Change - an organization dedicated to the education and empowerment of this country's mortgage borrowers.

He also founded The Crestwood Agency, a consultancy that assists people involved in lawsuits access cash in order to continue with their settlement negotiations rather than settle for an unfair settlement. The cash received is not a loan and does not need to be repaid if no settlement is received. For people that have received a structured settlement, they can trade that settlement for a lump sum of cash now.

Ron is available for private consultations by calling 1-866-RON BORG.

Personal Finance > Mortgages & Home Loans Refinancing your mortage or home loan when you have less than perfect credit

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Before beginning your search, it is imperative that you know exactly where your credit score is. Many people fall into what I call the Sub-Prime Trap - they have less than perfect credit and an unscrupulous or inexperienced loan officer just puts them into a sub-prime loan which of course comes with higher interest rates. Often, those with less than perfect credit can be approved for a Fannie Mae or Freddie Mac loan. These are two government sponsored agencies that purchase most of the mortgages in the country. When lenders and brokers advertise their rates, typically, those loans are sold...

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