http://www.mortgagenewsdaily.com/members/jcramer/default.aspxen-USCommunityServer 2008 SP2 (Build: 31106.96)http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxTue, 31 Jan 2012 20:33:35 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> posted a new <a href="/forums/t/176314.aspx">Loan Scenario: CA, $112,000, 787, 80% LTV, Purchase</a> to <a href="/scenarios/">Loan Scenarios</a>.http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxThu, 30 Sep 2010 20:48:39 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> answered <a href="/wiki/HARP_HAMP.asp#173625">Re: With the Harp Loan, is this a conventional loan? Does it in any way affect my Credit Score? I've heard of some loans that affect your credit score and I want to make sure this doesn't happen.</a> in <a href="/wiki/Category-Mortgage.asp">Mortgage-General Mortgage</a>.http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxTue, 07 Sep 2010 20:28:40 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> answered <a href="/wiki/NOD_FICO_Score.asp#145270">Re: Effect on a FICO score of a &quot;Notice of Default&quot; alone vs. a foreclosure sale.</a> in <a href="/wiki/Category-PersonalFinance.asp">Personal Finance-Credit</a>.http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxTue, 20 Jul 2010 16:56:53 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> answered <a href="/wiki/Get_Out_of_a_Timeshare.asp#160850">Re: How Do I Get Out of a Timeshare?</a> in <a href="/wiki/Category-RealEstate.asp">Real Estate-General</a>.http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxMon, 19 Jul 2010 14:59:44 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> answered <a href="/wiki/Prove_Income_Mortgage.asp#161288">Re: How do I prove my true income when I work for tips? I average 40k a year but I only show 10k on paper.</a> in <a href="/wiki/Category-Mortgage.asp">Mortgage-General Mortgage</a>.http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxThu, 24 Jun 2010 15:45:25 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> answered <a href="/wiki/Short_Sale_REO_Commission.asp#154305">Re: Who pays the realtor's commission on the purchase of an REO or short sale?</a> in <a href="/wiki/Category-RealEstate.asp">Real Estate-Short Sales</a>.http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxWed, 26 May 2010 14:27:07 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> answered <a href="/wiki/New_Mortgage_After_Bankruptcy.asp#130963">Re: New Mortgage After Bankruptcy / Foreclosure</a> in <a href="/wiki/Category-Mortgage.asp">Mortgage-General Mortgage</a>.http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxWed, 26 May 2010 14:16:57 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> answered <a href="/wiki/Upside_Down_Refinance.asp#149936">Re: can i refinance with my house being upside down?</a> in <a href="/wiki/Category-Mortgage.asp">Mortgage-Refinance</a>.http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxTue, 20 Apr 2010 14:57:28 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> answered <a href="/wiki/Parents_Give_Home.asp#145251">Re:</a> in <a href="/wiki/Category-RealEstate.asp">Real Estate-Title</a>.http://www.mortgagenewsdaily.com/members/jcramer/activities/default.aspxThu, 15 Apr 2010 20:48:13 GMTjcramer<a href="/members/jcramer/default.aspx">John Cramer</a> answered <a href="/wiki/Mortgage_Modification_Credit.asp#144136">Re: Mortgage Modification Effect on Credit</a> in <a href="/wiki/Category-Mortgage.asp">Mortgage-Loan Modification</a>.