Carla Rayman's Page

As a Member of the Top 5 in Real Estate Network®, I am frequently asked these days for my advice on loan modification…specifically, how quickly new loan terms can be arranged. Waiting to find out if your application for loan modification has been accepted can be a nerve-wracking and frustrating experience—especially if you’re still receiving late payment notices and creditor calls. Here are some important insights into the loan modification process from consumer advocate and author Ralph R. Robe… Continue

Home prices and interest rates are down, and your desire to buy a home is high. But many of my clients worry that their credit score just isn’t good enough for lenders to see them as a worthy credit risk, especially in light of today’s tougher credit and lending standards.

As a member of the Top 5 in Real Estate Network®, I am often asked if there is anything that can be done to improve your credit score. There are, in fact, several steps you can take. Here are five great suggestions from Bankr… Continue

These days, many homeowners are turning into landlords. Whether you have relocated and are still waiting for your previous home to sell or whether you are trying to increase income by renting a vacation or second home, you might suddenly find yourself in need of a renter.

Of course, we’ve all heard nightmare stories about bad tenants destroying properties and causing prolonged evictions. As a Member of the Top 5 in Real Estate Network®, I’ve learned of a few simple guidelines for finding seriou… Continue

Florida's warm and sunny weather has long drawn residents and visitors eager to experience all the state has to offer. But in today’s economic environment, it takes more than a great climate to call a place home. While we’re all well aware of Florida’s great beaches, you may not be aware that Florida is also one of the best states in the country for business growth as well.

As a Member of the Top 5 in Real Estate Network®, clients often ask me how Florida rates when it comes to starting and/or… Continue

The Fed has decided to extend its purchase of mortgage-backed securities. Though economic activity has improved, unemployment and tight financing were the main factors. Mortgage reates remain near their lowest in decades but are expected to rise th...roughout the fall and winter as the Fed winds down this program.