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Starting July 8, 2025, the Federal Housing Finance Agency (FHFA) gave the green light for lenders to use VantageScore 4.0 on loans backed by Fannie Mae and Freddie Mac. Translation? A huge shift in how your credit score is calculated…
So youāre thinking about buying a home in 2025? Whether youāre dreaming of a city loft with skyline views or a cozy little spot with a porch swing, thereās one thing you canāt ignoreāyour credit score. Itās basically the VIP…
So, youāre in the middle of credit repair and feeling optimistic about your financial futureāgreat! But before you sprint toward homeownership, letās pump the brakes for a second. Applying for a mortgage while youāre actively working on your credit is…
Buying a home in Katy, Sugar Land, The Woodlands, Cypress, Richmond, Fulshear, Pearland, or anywhere in the Houston suburbs? Youāve got your finances in check, your dream home in sightābut wait! Child support payments can play a bigger role in…
Imagine waking up on March 17, 2025, to find your credit score has magically increased. š No, itās not the work of a mischievous leprechaunāitās the Consumer Financial Protection Bureauās (CFPB) latest rule coming to your rescue.Ā Starting this spring,…
Purchasing a home is one of the most significant financial decisions you’ll make in your lifetime. Knowing how to manage your bank deposits and withdrawals during the escrow process is crucial. This guide will walk you through the essentials of…
Are you holding off on purchasing until 2024? Whether it’s a trendy urban loft or a peaceful suburban retreat, strategic credit management is your key to unlocking the door to your new home. Your credit score holds the key to…
If you’re in the process of repairing your credit, you may be tempted to apply for a mortgage. After all, owning a home is a significant financial milestone, and it’s natural to want to achieve it as soon as possible…
There are rarely hard and fast requirements for a credit score when it comes to getting approved for a loan. A higher credit score will result in more favorable loan terms, such as a higher loan amount or lower interest…
