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Give Us Some Credit!

Give us Some Credit

When you start considering purchasing high priced items, your credit score can make you feel better about your purchase or be a point of contention. Either way it is an...

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Homebuying in Your 20s, 30s, 40s

Buying a home you can grow into, versus something that fits you now, is smart planning.

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No Credit v Bad Credit

If you’re preparing to buy a house, you’re probably taking a good, long look at your credit history – or perhaps lack thereof.

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Credit Mistakes to Avoid

One of the most frequent questions our mortgage bankers are asked by customers is how to improve their credit. If you want to take your credit score to the next level, whether your score is in the...

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Credit Woes to Home Loan

If you’re seeking a home loan but having credit woes, you’re not alone! Understanding and striving towards a better credit situation is a path shared by many Americans, as evidenced by a recent...

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How VantageScore may change the game

For individuals without any credit, securing a mortgage loan can be nearly impossible. Most of us know that a mortgage approval is based on several different factors, however, the largest factor...

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Alternatives to a 20% down payment

Down payment requirements can be very intimidating, and trying to save for a 20% down payment can seem impossible. Luckily, the secret is out – you don’t actually need to have 20% for a down...

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How your student loans can help you get a mortgage

Yes, you read the title right – student loans can help you get a mortgage. How? Well, there are a couple big ways that your student loans, and your history with them, can help you in your pursuit...

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5 Things You Should Expect Your Mortgage Banker to Ask About

1. Proof of income

You will need pay stubs (showing at least 30 days)
If you have recently started a new job, your mortgage banker may ask you to provide letter from your employer confirming your...

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5 Sneaky Things That Tank Your Credit

It’s no secret that your credit is the single most important factor that is considered when you apply for any type of credit card or loan. There are tons of tips out there to improve your credit,...