Credit scores range between 200 and 850, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: 1️⃣ Your payment history. Did you pay your credit card bills on time? Bankruptcy filing, liens, and collection activity also affect your history. 2️⃣ How much you owe and where. If you […]
Loan terms, rates, and products can vary significantly from one company to the next. When shopping around, these are a few things you should ask about. General questions: 1️⃣ What are the most popular mortgages you offer? Why are they so popular? 2️⃣ Are your rates, terms, fees, and closing costs negotiable? 3️⃣ Do you […]
By: Jan Soults Walker Sweep out the dust bunnies. Clear away the clutter. Time to put wasted space beneath the staircase to work with these customized storage solutions. That hollow triangle of space beneath your staircase can house more than lint. Claim the square footage for organizing your stuff. See which of these storage solutions […]
By: HouseLogic Sign that paperwork. Write those checks. Get those keys! The closing. It all comes down to this. The grand finale. Once you have the keys, the house is yours. (Cue: Air horn sound!) Nice work getting this far. You’re almost a homeowner! Let’s run through some questions you may have as you cross the […]
When was the last time you thought about your healthcare? If you are an older adult, it may have been pretty recently. Healthcare costs tend to increase with age. Now, when was the last time you thought about how you would pay for long-term care? For many adults, the answer is “never,” and that can […]
By: HouseLogic These 10 money- and time-saving steps can help you craft a winning bid. Ah, the offer! Know Your Limits | Learn to Speak “Contract” | Set Your Price | Figure Out Your Down Payment | Make an Earnest Money Deposit | Review Contingency Plans | Read the Fine Print | Make a Date to Settle | Write a Fan Letter to the Seller | Brace Yourself for a Counteroffer Cinematically speaking, this […]
By: Jamie Wiebe A super-easy plan for getting organized without adding to your home-is-school, home-is-work, home-is-everything time burden. Did you ever notice that your self-improvement pacts with yourself are action oriented? Walk 10,000 steps a day. Fix that leaky faucet. Register for VolunteerMatch. But “get organized”? It’s a goal so broad that just trying to […]
