News Flash! The Latest Scoop On The New And Improved Homebuyer’s Tax Credit Extension… It’s Official…You Win Are You Missing Out on the Stimulus Money for First Time Home Buyers? First Your Mortgage & Now Your Credit Cards. What’s Happening And What Can You Do? New Help Is Coming For Military Personnel And Their Families In The Triangle Area Of North Carolina A Primer on Mortgage Speak The New Credit Scoring System - FICO ’08 It’s Tax Season…Don’t Forget The Newest Tax Benefit Of Homeownership…Private Mortgage Insurance! Don’t Be Afraid To Buy A Home, Get A Mortgage To Buy Your Home Or Refinance… What’s Happening In the Housing and Mortgage Markets…How Can It Affect YOU? FICO ‘08 - We Live In A Credit Score Driven World - Get Ready For A Major Change May is National Get Prepared To Buy A Home Month…Do you know how to get prepared? Super Bowl Sunday Wasn’t Just About Football - It Was Also The Kick-Off of this Spring’s Home Buying Season Great News For Every Real Estate Property Owner/ Seller In North Carolina… Costly Mistakes Often Made By Mortgage Borrowers…and how to avoid making them Property Taxes - Who's Liable? Is FICO out and VantageScore in? How will the new credit scoring system affect you? Did You Know... Chances Are Your Credit Card Payment Just Doubled? Easy Ways To Make Buying Or Refinancing Your Home Faster And Cost Less How do I know when the time is right for me to get a mortgage and buy a home? When is it time to refinance my mortgage? What You Should Know About How Your Credit Score Affects Your Everyday Life

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Expert's Corner: Pat Earnhardt
Mortgage Consultant and Senior Mortgage Banker,
The Mortgage Rewards Team of Hearthstone Mortgage

Pat Earnhardt is a Mortgage Consultant and Senior Mortgage Banker for The Mortgage Rewards Team of Hearthstone Mortgage, where she enjoys pooling her vast experience in home loans, credit issues and real estate to advise clients on their mortgage finance options and the many wide-ranging home loan programs available with her team. The Mortgage Rewards Team of Hearthstone Mortgage offers home loans in every state and the District of Columbia. Pat holds a National Mortgage Loan Officer's license and a Real Estate Brokers License for the State of North Carolina.

Pat is a founding member of the National Mortgage Girlfriends Network, a network of over 300 leading women mortgage loan officers across the nation, where she serves as a member of the Board of Directors. She is also a member of the Board of Directors and the chair for the Business Services Committee for WakeCART, an organization that provides support for military personnel and their families as well as the approximate 51,000 military retirees and veterans that live and work in Wake County and the surrounding area. She can be read in Lynnette Khalfani-Cox’s second edition of the New York Times best seller, Zero Debt: The Ultimate Guide to Financial Freedom.

Pat and her husband Ray, have two sons Chris and Andy.

Pat can be reached by email at tnextstep@aol.com or phone at 919-787-3669.