Blog Articles

Beyond Credit Scores: 7 Factors That Affect a Loan Application

When deciding the best path you should take in your journey to homeownership, we take into account multiple factors other than just credit scores. Qualifying for a loan does not come down to one magic number, but instead multiple numbers that are unique to each buyer's financial profile. Maryalene LaPonsie from U.S. News dives deeper into 7 other factors that affect a loan application.... Read More >



The best time to list a home for sale

When’s the best time to put your home on the market? Depending on which part of the country you live in, there are several factors that could influence how long your home will be listed before it sells, and how much buyers will pay. This article from Builder highlights new data from Zillow that pinpoints the best home selling time frames for several cities around the U.S.... Read More >



5 Big Mistakes Millennials Make With Credit Cards

You walk into a bank for the very first time hoping to be approved for a credit card. Ten minutes later you walk out with a preferred card with a $1,000 limit. The excitement of being a new cardholder stays with you as you swipe left and right for what ever you want...until next month rolls around and you forget about your due date. Don't be that Millennial who makes these five big credit card mistakes U.S. News warns you about!... Read More >



Some Auto Insurance Premiums Penalize Home Renters, Study Finds

Not many people think that homeownership, credit scores, and auto insurance go hand in hand, but a new study from the Consumer Federation of America proves otherwise. One of the major benefits of being a homeowner with a high credit score means lower auto insurance premiums. Read more about this study below!... Read More >



Buying a home while still paying student loans

A Millennial from Atlanta who's still paying off his student loan asks CNN Money for advice on buying a home. Zach Cain asks, "I am currently renting and feel like I may be throwing my money down the drain when I could be building equity. Should I consider a low down payment option or put off buying a home until I can afford the recommend 20% down payment?" See what CNN Money's Kathryn Vasel response is to his down payment question below!... Read More >



Breaking Down Your Credit Score Infographic

Breaking down your credit score and learning about how it's calculated doesn't have to be a headache. This simple infographic made by MGIC will help all of you visual learners out there understand how the credit score world works minus the headache. You might learn more than a few credit score facts you didn't know along the way too!... Read More >



2016's Best and Worst States to Retire

What does your retirement look like? Do you see yourself relaxing on a Florida beach or curled up by a fire in a log cabin in North Carolina? Whatever it may look like, you'll want to check out this article from WalletHub to see if your ideal state makes the best or worst place to retire.... Read More >



How 3 Millennials Drastically Improved Their Credit Scores in Under a Year

Most Millennials haven't quite mastered the credit score game yet, but they're well on their way to figuring it out. This article from Nerd Wallet highlights three Millennials who successfully managed to improve their credit scores within a few months. They share tips that all generations can learn from - not just the Millennials.... Read More >



5 Ways to Boost Your Credit Score in 2016

In 2016 we welcome a new chapter in our lives with our New Year's resolutions. Our resolution may be to work... Read More >



Is New Construction For You?

Choosing between buying an existing home versus new construction can be a little overwhelming. This article from Realtor.com offers some tips and tricks when considering buying new home construction.... Read More >



What's more important to non-car commuters: Living or working near transit?

Owning or renting a home near a transit station may not have much impact on whether a person commutes via their car or some form of non-car transportation, but closer proximity of their work location to a transit station increases the likelihood that they won’t be driving their own car to work. Those are the findings of a recent study from researchers at the University of Denver, as reported in this CityLab article from Eric Jaffe.... Read More >



Why buying a home is a smart investment for Millennials

According to this article from U.S. News, buying a new home is one of the best investment decision millennials can make. The benefits of buying now are numerous – from taking advantage of tax savings and low interest rates to the positive emotional return on your home investment.... Read More >



Cancel or Keep? How to Tell if You Should Close Your Credit Card

Can closing an inactive or rarely used credit card account improve your credit score? No, but being more careful with your open accounts will, and only if you’re making your payments on time and using a small amount of your available credit, according to this article from U.S. News.... Read More >



For PITI's sake: Mortgage acronyms defined

As you navigate the mortgage world, you’ll start to notice a lot of jargon being thrown around. Respa who? Tila what? But have no fear—Bankrate has gathered some of the leading industry acronyms and broken them down for us. See, mortgages aren’t that hard to figure out!... Read More >



How your love life correlates with your credit score

According to The Atlantic, “the better the credit score, the longer-lasting the relationship.” And we’re not surprised. Did you know finances are one of the top reasons why many relationships falter? Obviously, financial responsibility and higher credit scores come hand in hand. So it’s no shocker that lower credit scores add more fuel to the fire in relationships. (And not in a good way!)... Read More >