Have any questions or want to talk about your situation? Let’s chat!
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Schedule a call: https://calendly.com/juleef/let-s-say-hi
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Lending wherever you want to call “home” ?????? — in all 50 states.

In this video:
Chapters:
00:00 – Introduction: you’re tracking the wrong credit score
00:55 – There’s no database with your credit score in it
01:12 – A score only exists at the moment it is requested
02:00 – The variability of credit scores can be an advantage
02:28 – History of credit scores?
03:36 – The 3 national credit bureaus
04:22 – So how many credit scores do you have?
05:15 – What score do you see on Credit Karma?
05:51 – FICO releases new versions
06:04 – What version is used in mortgage lending?
07:28 – How do you find out your mortgage credit score?
07:40 – The “not-free” option: signing up with myFICO.com
08:21 – What will I find when I sign in to myFICO.com?
09:44 – Don’t stress the difference in your scores… It’s normal!
10:53 – The free way to get your mortgage credit scores
11:29 – Should you wait until you’re ready to buy to contact a lender?

Julee Felsman, SVP of Mortgage Lending NMLS 120831
Guaranteed Rate Inc NMLS 2611 Equal Housing Lender.
www.nmlsconsumeraccess.org
www.rate.com/licensing
www.rate.com/privacy

Branch address: 1300 SE Stark St Ste 111, Portland, OR 97214
State Licenses:
AK – AK120831, AL – 73482, AR – 117882, AZ – 1002329, CA – CA-DBO120831, CO – 100514850, CT – LO-120831, DC – MLO120831, DE – MLO – 120831, FL – LO66603, GA – 67474, HI – HI-120831, IA – 34589, ID – MLO-2080120831, IL – 031.0056868, IN – 42483, KS – LO.0039957, KY – MC713848, LA – Licensed, MA – MLO120831, MD – 120831, ME – Licensed, MI – 120831, MN – MN-MLO-120831, MO – MO-120831, MS – 120831, MT – 120831, NC – I-187748, ND – NDMLO120831, NE – Licensed, NH – Licensed, NJ – Licensed, NM – Licensed, NV – 65660, NY – Licensed, OH – MLO-OH.120831, OK – MLO21956, OR – Licensed, PA – 74700, RI – Licensed, SC – MLO – 120831, SD – MLO.09183, TN – 203658, TX – Licensed, UT – 12003187, VA – MLO-41738VA, VT – VT120831, WA – MLO-120831, WI – 120831, WV – LO-120831, WY – 8673

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Content found in these videos is public information. However, all information including text, photographs, etc. is copyrighted and is protected by United States and international copyright laws. These videos may not be used, reproduced, or distributed for commercial purposes without prior written consent from Julee Felsman and Guaranteed Rate.

Debt consolidation is the process of taking multiple outstanding debts and combining them into a single debt, hopefully with a lower payment. Debt consolidation could be a way to get a handle on debt, but there are other ways too.

Here are four things to think about when you’re considering debt consolidation:

1. Before getting a loan or opening a card, consider reaching out to your creditors to see if they can work something out with you.

2. It might be helpful to talk to a certified financial planner or a certified credit counselor about your situation. An objective third party can help you figure out what makes the most sense for you.

3. Four common ways to consolidate debt include: a balance transfer credit card, a personal loan, a home equity loan and a home equity line of credit.

4. When you’re thinking about your options, consider interest rates, fees and whether you’re comfortable putting up your home as collateral (in the case of a home equity line of credit or home equity loan).
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Learn more — check out this article: How does debt consolidation work?
https://www.creditkarma.com/advice/i/debt-consolidation

Watch related videos:
What Is a Balance Transfer?
https://www.youtube.com/watch?v=hzoDA68nii4
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Welcome to my channel, my name is Sandra.
I specialize in Soul Birth Regression, Sexual de-Armouring, Timeline re-imprinting and Ancestral Womb healing.

My experience in Energetic Body de-armoring and deep meditative opening allows me to hold a very nurturing feminine space, in a powerful way during my Teacher Training Program, my multiple day retreats and my workshop offerings at festivals all over the world.

Website
https://www.sandrarolus.com

I offer lots of FREE SESSIONS here on YouTube
Please cheer me on by liking and commenting on my videos.
Your support is the fuel for my dedication to sharing free valuable content with all of you.
Thank you for subscribing and for sharing my work with your network of friends and family.

FREE SESSIONS playlist:
https://www.youtube.com/watch?v=JeWCKyRZCN4&list=PLYEZ_W3EgYsfILNpk_reaurzxp0cqLJQ1

Today’s Free Session:
In lifetimes, we might have entered into soul contracts. Or we take vows of poverty, celibacy, suffering, etc…and make Soul promises, in our various incarnations.

These contracts keep piling up over time and limit the expression of your soul in this lifetime, blocking you from living your highest joy.

During this guided session you will cancel, break remove any contracts, in all life times, that you or your ancestors made, that are outdated and do not serve your spiritual evolution and your life’s mission any more. You will also invite Archangel Michael, Archangel Raphael, their team of angels, your power animals, your inner child, Higher Self and other divine beings of love, light, wisdom and compassion to clear karmic junk and assist you in reaching your highest potential.

MUSIC
If you like the music, you can buy it online:
www.dominuscervix.com/index.php/crystalenergy/audiocd.html

Sacred Geometry:
Energetic Evolution by John Haan
www.energeticevolution.net

In this powerful karma cleanse angel message you will experience a powerful energy healing, vibration shift and cleanse of your karmic cords, attachments and ties.

Channeled by Melanie Beckler with Archangel Metatron, Archangel Michael, Archangel Azrael, and Archangel Uriel…

As you relax and listen you will lovingly and gently be guided through a powerful karmic cleansing technique.

Quiet your mind, relax and listen to lift in the energy healing light of the angels as you experience cord cutting, spirit release, releasing attachments and negativity, energy healing and cleansing your karma.

Cleansing karmic attachments and releasing all that no longer serves you will help you to raise your vibration, tap into your spiritual power and step into living with more joy love and positivity in your life.

Listen another psychic healing meditation channeled by Melanie Beckler here: https://www.youtube.com/watch?v=UnRR6AfCNqk

If you like this channeling be sure to subscribe for more here:
https://www.youtube.com/subscription_center?add_user=askangels

Feel free to share this Karmic Cleansing meditation using this link:
https://www.youtube.com/watch?v=39kXZPGpjak

Or if you would prefer to download the .MP3 or read the full transcripion click here:

http://www.ask-angels.com/free-angel-messages/karmic-clearing-angel-message/

ARE YOU READY FOR TRANSFORMATION OF YOUR LIFE ? LOOK NO FURTHER !

DHYAAANGURU is a Humanitarian, Philanthropist, Mentor, Motivator, Doctor and a Spiritual Guide who has helped thousands over the years with Lectures and workshops on Self-Development, Meditation and Mantras.
The healing mantras by Dhyaanguru are not just to provide spiritual benefits, but also to manifest in psycho-physiological healing. They work at the core level of the human system, DNA. The vibrations and frequencies of these powerful mantras have shown tremendous healing properties. Thousands of people have shared their success stories on Youtube.
Let us join together to heal our Mind, Body and Soul with Dhyaanguru !

LEARN ABOUT DHYAANGURU DR. NIPUN AGGARWAL,MD : https://dhyaanguru.com/about-dhyaanguru/

FOLLOW THE LINKS BELOW TO CONNECT WITH DHYAANGURU : YOUR GUIDE TO SPIRITUAL HEALING !

WEBSITE : https://dhyaanguru.com/
FACEBOOK : https://www.facebook.com/dhyaanguru
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LINKED-IN : https://www.linkedin.com/in/dhyaanguru
PINTEREST : https://www.pinterest.com/dhyaanguru
TWITTER : https://twitter.com/dhyaanguru

DHYAANGURU CHARITY: https://dhyaanguru.com/dhyaanguru-charity/

SPEAKER: DHYAANGURU DR. NIPUN AGGARWAL, MD, MBA, MHT

ALL YOU NEED TO KNOW ABOUT MANTRAS :
https://dhyaanguru.com/all-you-need-to-know-about-mantras/

COMPLETE COLLECTION OF MANTRAS :
https://dhyaanguru.com/complete-mantra-collection/

LINKS TO DOWNLOAD MANTRAS :
CDBVABY: http://www.cdbaby.com/Artist/NipunAggarwal

ITUNES: https://itunes.apple.com/us/artist/nipun-aggarwal/id638183274

Email: dhyaanguruji@gmail.com
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KARMA SHANTI MANTRA !
GET RID OF YOUR BAD KARMAS !
DO GOOD AND GOOD & GOD WILL HAPPEN TO YOU !!
Listen to this mantra daily for atleast 40 days and see the Magic !
Please use Headphones for Divine Healing.

Mantra: OM MAHADEVA PARMATMA KARMATMA SHANTI !

Meaning: Lord Shiva(Mahadeva) is the destroyer of evil. We pray to you Lord Mahadeva, you are the purest Soul, please cleanse our soul with good Karmas and destroy the evil ones.
Karma is the fruit that comes from the seeds we sow. If the seeds are good, we get good fruit.One seed will make a whole tree full of fruits. If the seeds are bad, we get weeds instead. And weeds spread fast damaging the whole garden. If you have done bad karmas in life, you need to chant this mantra to clean the garden of weeds to make space for new seeds to be put in for good fruits. You will see good happening to in your life soon after you start this Mantra.

Can you change your karma? Yes. You cannot stop karma but you can change the direction of your karma. Anything you did in your past can be “undone” by doing good now. You have reaped what you sowed. You created your own destiny, now you can recreate it.

A clear conscience cannot be bought from a moment of regret or shame. If you want forgiveness for your actions you must first take responsibility for them.

Regret is the starting point. Feeling bad about what you did sends a signal to the universe. You must really mean what you say. It’s about learning through compassion. That comes from very carefully imagining how others feel. You are saying that you understand your past actions were wrong. You have awareness. This is the beginning. You have started to undo what you did.

Sometimes, you have to experience what you have done to others. No matter how bad you have been, you can always begin again. You can only erase bad karma with regret, then practicing kindness and love. There is no other way.

If you ever harmed anyone, ask them for forgiveness. Their forgiveness will dissolve any bad karma and turn it into good karma.

The effects of karma are sometimes immediate and in other cases there is a delay. There will always be an effect, no matter how long the delay. The consequences of your actions good or bad may even follow you into the next life.

Do not think a small sin will not return in your future lives.
Just as falling drops of water will fill a large container,
The little sins that steadfast accumulate will completely overwhelm you.

Do not think a small virtue will not return in your future lives.
Just as falling drops of water will fill a large container,
The little virtues that steadfast accumulate will completely overwhelm you.

— The Buddha —