Over the last five years, credit scores have been refined to the point where they are now one of the most important factors for lenders.
We love debt in America more so than any other country.
If you own your own home free and clear, people will often refer to you as a fool. All that money sitting there, doing nothing.
The lending industry is doing what it can to get a piece of the shrinking pie. You're going to see more aggressive offers in the coming year.