Financial Education

Five Factors That Make Up Your Credit Score

Information on how you have handled debt in the past is translated into a three-digit score predicting how likely you are able to pay off created debt. Credit scores range from 300, as the poorest score, up to 850 as the highest. These factors make up your credit score Read more..

Boosting Your Credit Score Can Save You BIG

Credit is part of your financial power and can open a wider range of products and services including loans, credit cards and mortgages with better interest rates and more generous credit limits. Bad credit can add roadblocks to everyday necessities affecting rental applications, insurance premiums, and security deposits. Read more..

 How to Build Your Credit

Credit is much like anything else. It takes time and attention to construct it in a way that opens financial doors for you. The doors opened lead to wealth building maneuvers like purchasing a home. How do I start building credit? Read more. .

Rebuild Your Credit

A low credit rating can compromise your ability to borrow money, or if you are approved, the interest rate charged on the note will be considerably higher. Follow these steps to help improve your credit. Read more..

 


Guide to Buying a Home

Buying a home is exciting. There are several steps that are a part of the process. This article will help explain what it takes to qualify for a home loan, submitting an offer and things to bring to the loan closing. If it's been a while since you bought a home, the process has likely changed from what you remember. New technology means the market moves faster and there are new ways for buyers and sellers to connect with agents and lenders. Read more..

How Much Money Should a First-Time Home Buyer Put Down? 

It’s exciting thinking about buying your first home. Although it is quite different from renting, the good news is the property is yours. Hurdles for a first-time home buyer is determining how much you can afford, building funds for the down payment and closing costs. Read more..

Is Now the Time to Refinance My Home Mortgage?

Refinancing your home loan will save you money, help you build equity and pay off your mortgage faster. Since interest rates are exceptionally low, even people who have newer mortgages may be able to benefit from refinancing. Read more..