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Credit Score

Credit Score The credit score used to qualify your home loan affects several parts of your loan: the interest rate your loan can be locked in at, how expensive your mortgage insurance is (or if you can qualify for mortgage insurance) if you aren’t bringing a 20% down...

Debt

  Debt Debt is the umbrella under which credit lives. Debt is what determines your credit which is why, if you have no debt, you’ll have no or low credit and you’ll have a harder time obtaining new credit when you need it.  Debt, in this case, is more than the...

Interest Rate

Interest Rate Welcome to the sexy page of the site! I know this is all y’all care about. Because it’s all you’ve been told to care about in a home loan. It’s the easy thing to talk about to a neighbor, co-worker, acquaintance in passing without having to get too deep...

Credit Use for Mortgages

Credit Use for Mortgages Credit is one of those tricky things where you need to have something that’s constantly painted as bad (debt) to create a credit history to be analyzed for this larger debt that you want to get. Bless Dave Ramsey, but if you want to buy a...

Student Loans and Mortgage Loans

Student Loans and Mortgage Loans Whew. These are a right pain in everyone’s tookus, am I right? Let’s date this content by hoping that one President Joseph Robinette Biden, Jr. gets the cajones to cancel student loan debt for everyone, so that this is no longer an...

Alternative Credit

Alternative Credit Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Dictumst vestibulum rhoncus est pellentesque elit. Ullamcorper velit sed ullamcorper morbi tincidunt. Etiam dignissim diam...

derogatory credit and events

Credit Events and Derogatory Credit This is the part of things that tend to worry homebuyers the most – explaining and documenting past credit events that, likely, surround a difficult time in your life. No one is excited about explaining what was going on during...

Documentation

Documentation Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Dictumst vestibulum rhoncus est pellentesque elit. Ullamcorper velit sed ullamcorper morbi tincidunt. Etiam dignissim diam quis...