^{"Credit When Credit Is Due" is a credit new education course. It is designed for those individuals who have had some negatives, such as a delinquent loan, a late payment or bankruptcy.
It is a twelve lesson course, home study or classroom version that guides you through the credit puzzle.  Upon completion, those who complete the final exam receive a certificate of completion and your name goes into a national data base.  You will also be entitled to discounts on loan applications, waiver of fees or a lowering of the points and with certain utilities, a waiver of deposits and much, much more.  Click here for more information about "Credit When Credit Is Due."}

^{"Make Your Move" a new course for first time homebuyers.  It is the most useful national standardized program that meets Fannie Mae and HUD standards.}

^{Each of the nine lessons is a self-contained unit and may be studied in any order in a self study or a classroom format.}

^{"Make Your Move" is the most comprehensive first time homebuyer course in America.  It discusses new construction, how to identify and avoid predatory lenders. It also provides an in-depth look at insurance and the growing problem for first time buyers of obtaining a homeowners policy at a reasonable price.}

^{Other features of "Make Your Move" include budgeting as a first-time homeowner and explains what lenders look for and why.  It is presented in an easy-to-understand, conversational style.}

What exactly are the options for a home loan
There are various terms used to describe home loans

If you have found yourself wondering why you are unable to KEEP more of the money you make and DO more with the money you keep, you are not alone.  

One issue may be spending habits.  Many consumers are over spenders. There are two types of over spenders:  type A spends more than they earn and type B just simply pays too much for things.

Everyday spending decisions, especially credit based one, will do far more harm to your financial future than any sort of investment decisions you are likely to ever make.

In a test of financial knowledge, adult Americans earn a "D" (and one third fail).

In a Financial Literacy survey sponsored by www.bankrate.com., Americans had an average score of 67 out of 100 possible points. 

The survey listed a dozen steps that are basic to financial well being, including paying bills on time, reading checking/savings/charge account statements regularly, making more than the minimum payment on credit cards, contributing to a retirement account, preparing a will, comparison shopping for a mortgage, loan, insurance or other products and services, keeping an emergency fund of at least three month's living expenses, following a monthly spending-plan (a/k/a budget), adjusting one's W-4 form annually, checking credit reports annually for accuracy and looking for and switching to credit cards with lower interest rates.

Survey participants, over a thousand of them, were asked to assess the importance of each of the 12 subjects and whether they actually did them. 

The survey found that gender and formal education were not a factor in how well or how poorly one scored on the financial literacy test. Age, however, and income was a factor. The average of those who scored an "A"  was 54 and the average age of those who failed was 41.  Those individuals with an average income of $43,000 scored significantly lower than those with an average income of $63,500.