If 2021 is the year you’re going to make the leap to becoming a first-time home buyer, we’re rooting for you. But before you go out and start house-hunting, remember that the initial step is to get pre-approved for a home loan. To do that, you’ll want to get a …
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Your payment history is the biggest factor in determining your credit score making up 35% of your overall credit score. Only your credit utilization ratio (makes up 30% of your score) comes close to having as profound an effect on your score as your payment history does, This article explains …
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When you’re just getting started adulting, you may not think it’s a big thing that you missed a credit card payment or were a few days late on your rent. But that casual attitude to financial obligations could come back to bite you when you start getting serious about buying …
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Credit scores are a pivotal part of the home-buying process. Not only does your credit score determine if you qualify for a loan, but it also determines your mortgage terms, most importantly, your interest rate. First-time homebuyers often jump into the process of looking to buy a home without really …
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