Buying a home is an exciting step for many people. However, your credit score can make a significant impact on your ability to get a mortgage loan. What Should My Credit Score Be to Buy a House? A credit score can range from 300 to 850. A high credit score is an...

To get yourself out of debt, you have to do the work.  It may not be easy resisting the urge to stop for your favorite drive-thru coffee in the morning or purchasing whatever catches your eye while browsing online.  But make every penny count and remember that the...

Millions of homeowners may be missing out on tens of thousands of dollars in savings by not refinancing their mortgages with this year’s record low rates. Meanwhile, home buyers in today’s market have the advantage of house hunting in a low mortgage-rate environment,...

Put simply, if becoming a homeowner is one of your short-term goals, now is a great time to do so.  The ongoing COVID-19 pandemic has made the current home buying market unlike any other time (in a good way for most).  Mortgage rates have continued to be at record...

Put simply, a credit report is like a report card for your credit score. Instead of your parents anxiously awaiting to review your school report card, a credit report allows you (and lenders) to quickly see your credit activity, loan paying history and the current...

Do you know that credit scores directly impact mortgage interest rates?  A mere difference of just 100 points could cost (or save!) you thousands of dollars.  It’s been a wild ride this past year (thanks COVID-19) for the mortgage industry.  Mortgage rates saw a...

If 2020 has taught us anything, it’s to have a back-up plan for when the unexpected occurs.  Many people have one source of income from their full-time job.  But what happens if something beyond anyone’s control (i.e., a global pandemic with no end in sight) occurs...

It’s December and before you know it, you and your family will be gearing up to celebrate the winter holidays with your family and friends.  From hanging decorations to exchanging gifts and preparing traditional holiday meals, you’ll need to set aside a spending...