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Credit Score

Numbers Game: What Credit Score Do You Need to Buy a House in Today’s Real Estate Market?

When it comes to credit scores and applying for a home mortgage, your first thought may fall to whether or not you qualify. But, your credit score not only plays a critical role in your ability to qualify for a home loan, its influence continues when it comes to your down payment requirements, interest rates and other mortgage terms. Here’s what you need to know: Minimum score to qualify The four...

What’s Holding You Back? 5 Myths About Buying a Home

Buying a home is a big commitment, but it also has a great many advantages. If you’re throwing money away on rent month after month, what’s holding you back from making the move to homeownership? The truth is, there are a lot of myths about buying a home that keep people from making the move. But in reality, instead of renting, they could be owning their own home. Here are five of the most...

Credit Card Debt: How it Affects Your Mortgage Loan and What You Can Do

Getting your financial house in order before applying for a mortgage includes a lot of things, from saving your down payment to pulling together your paystubs. But one thing that may not be so evident is the need to pay down credit card debit and avoid opening new lines of credit. That’s because too many open lines of credit and balances that are over 30% of your available credit limit can...

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