Understand What Having No Credit Score Really MeansHaving no credit score is not the same as having bad credit. Bad credit comes from late payments or high balances. No credit simply means you do not use credit often enough for the credit bureaus to generate a score. Lenders can work with this situation, but they need other ways to see your financial reliability. This is where non-traditional credit comes in. Build a Non-Traditional Credit ProfileWhen you do not have a traditional score, lenders … [Read more...]
What’s Ahead For Mortgage Rates This Week – January 26th, 2026
The Federal Reserve’s preferred inflation indicator — the Personal Consumption Expenditures (PCE) Index — released under delayed conditions, but it was within expectations. Next week will be another Federal Reserve Rate Decision, and it is expected that the Federal Reserve will reduce rates at least one more time. The optimism among the broader market has been showing that multiple sectors that seem unphased by the administrative decisions and current political climate. … [Read more...]
Mortgages and Divorce: Keeping Your Home During Life’s Changes
Divorce or separation is a challenging time, and amidst the emotional and logistical complexities, handling mortgage issues can add another layer of stress. For many couples, their home represents not just a financial investment but a symbol of stability and security. However, when relationships break down, decisions about homeownership become crucial. Here is some guidance on how to navigate mortgages during a divorce or separation. Communication is Key: Open and honest communication between … [Read more...]
Homeowners in Financial Distress: Mortgage Forbearance and Loan Modification
In times of financial hardship, such as job loss, medical emergencies, or economic downturns, homeowners may find it challenging to keep up with their mortgage payments. When facing such difficulties, understanding options like mortgage forbearance and loan modification can be crucial for maintaining stability and avoiding foreclosure. Let's discuss what homeowners need to know about mortgage forbearance and loan modification, including their differences, implications, and how to navigate these … [Read more...]
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