You've been saving diligently for your first home. You've watched that down payment fund grow, maybe spread across a few different accounts—your savings, Venmo from roommate payments, a little in Cash App. You finally hit your goal, found your dream home, and made an offer. Congratulations! Then your mortgage lender drops a bomb: "We need… Continue reading Why That $10K in Your Venmo Account is a Red Flag
You've seen them everywhere. At checkout, that tempting little button that says "Pay in 4 interest-free payments" or "Split it with Afterpay." Buy now, pay later (BNPL) services like Affirm, Klarna, Afterpay, and Sezzle have become the go-to payment method for millions of Americans, especially younger shoppers who prefer them over traditional credit cards. But… Continue reading Buy Now Pay Later Services Are Showing Up on Credit Reports: What This Means for Your Mortgage
Establishing a budget for homeownership is part of broader financial planning. It allows you to consider how buying a home fits into your overall financial goals and ensures you're making a sound investment decision. Before you take the huge leap into homeownership consider the budget first. In today's blog we share a few reasons why… Continue reading Set A Budget for Homeownership
We all want to see our credit scores rise quickly, but building a solid credit history takes time. It's like planting a tree; you don't get shade overnight, but with patience, you'll enjoy its benefits for years to come. Patience: The Secret Ingredient to Improve Your Credit Score Here are some key tips on how… Continue reading The Secret Ingredient to Improve Your Credit Score
Many of us know there are two things that matter in our financial life. Your social security number and your credit score. Your credit score plays a crucial role in your financial life, influencing your ability to secure loans, credit cards, and even affecting the interest rates you're offered. One of the major factors affecting… Continue reading How Late Payments Affect Your Credit Score
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