Tag Archives: credit score

Credit Score Basics

Posted on May 20, 2024 by Niki Maclay

A credit score is calculated by considering various factors related to a person’s credit history, payment behavior, and the way you already use your credit. The exact algorithm used to calculate credit scores may differ slightly between credit reporting agencies, … Continue reading →

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Protect Your Credit Rating

Posted on November 27, 2023 by Niki Maclay

It’s the holiday shopping season, and lots of consumers will be throwing caution to the wind in the next few weeks in the name of holiday cheer. Keep your eyes on the big picture, some activities will damage your credit … Continue reading →

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Boosting Your Credit Scores

Posted on October 9, 2023 by Niki Maclay

Potential first-time homebuyers are often concerned about their credit scores. Buying a home may be the first big purchase for most of them. It’s important to speak with lenders before you do things like paying old bills or closing accounts. … Continue reading →

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Why Do Lenders Need All Of My Information To Give Me A Rate Quote?

Posted on January 2, 2023 by Niki Maclay

Buying a Home is a complicated task, perhaps more complicated than necessary. Among the more intensive steps is the mortgage preapproval process. It seems like it should be easier to shop around for rates, right? You may be wondering why … Continue reading →

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What is an FHA Mortgage?

Posted on June 10, 2021 by Niki Maclay

FHA, otherwise known as the Federal Housing Administration, is a federal government program that falls under the US Department of Housing and Urban Development. The FHA provides mortgage insurance on loans made by FHA-approved lenders throughout the United States. Without … Continue reading →

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