There are a variety of factors that are involved in getting your mortgage approved, but few things will have more of an impact than your FICO score and the credit history that goes along with it. Instead of leaving your score up to chance when submitting your application, here are a few ways that you can boost your financial wellbeing and leave your credit score better off than it was before. Put More On Your Card It's important to put purchases on your credit card that you can afford to pay off … [Read more...]
Should You Pay Your Mortgage Bi-weekly or Monthly? Let’s Take a Look
Most homeowners look at their monthly mortgage payment as their largest cost per month, and something they must do to maintain a good credit history. However, you may have heard of bi-weekly mortgage payments and their ability to lower your debt load and help you pay off your mortgage more quickly. If you're wondering if bi-weekly payments are too good to be true, here's some information worth consideration. What Difference Does Bi-Weekly Make? Making a bi-weekly mortgage payment may seem to … [Read more...]
Let’s Talk Basements: How to Finish Your Basement so It Adds Value to Your Home
Are you on the hunt for home renovations that will boost usability and value? Look no further than that unfinished basement. In this article, we'll show you how to turn that dusty cave into an amazing new living space. Note: finishing a basement isn't the easiest job. For most basements, it's a lot more than a weekend do-it-yourself project. If you're not comfortable with construction be sure to enlist the help of a professional. Step 1: Plan Everything Out The first step is to plan out how … [Read more...]
Did You Know?: 4 Factors That Can Delay Your Mortgage Approval (and How to Avoid Them!)
If you're currently buying a home and are stressing about the kind of home to choose and which lender to go with, it can help to clear up some of the confusion surrounding the mortgage process. While mortgage applications are assessed on a case-by-case basis, here are some factors you'll want to avoid so the timeline of your approval isn't negatively impacted. Your Employment Status It goes without saying that the amount you bring in each month is a huge factor towards how much house you can … [Read more...]
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