Ken Jacobson is committed, qualified and equipped to help you implement cash flow strategies to better prepare for retirement, as well as help you generate tax-free income during retirement.

One commonly overlooked form of "predatory lending" is when banks and mortgage companies repeatedly encourage people to take out larger mortgages and home equity loans for "debt consolidation" or to spend more by basically consuming your home equity. This often results in spreading car loans and credit card balances over 30 years with no real plan to help you become debt free. Unlike many traditional bankers and brokers, Ken Jacobson can help you conserve your home equity, not consume it. This involves helping you implement financial strategies that will get your debt down to manageable levels and help you stay on track to become debt free.

Your credit report is a history of your credit activity. There are three major credit reporting agencies:

• Equifax: http://www.equifax.com
• Experian: http://www.experian.com
• TransUnion: http://www.transunion.com

When you apply for a mortgage, the prediction of your credit performance is measured by a numerical score. Although there are slight differences among the systems used by major credit reporting agencies, the FICO model is the most popular. The FICO scoring system was developed by Fair Isaac and Company, with the goal of filtering out non-relevant factors, such as race or gender. This single rating score sums up your credit history, projecting the likelihood of meeting future payments and indicating your level of credit risk.