Personal Finance and Home Buying Education

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Is a Reverse Mortgage Right for You?

By Mary Mack / October 11, 2017
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While it may seem new to many of us, reverse mortgages have been around for quite some time. The first reverse mortgage was issued in 1961 while in the first stages of development, and the program has undergone many changes since, ultimately developing into a more effective retirement tool.

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Breaking the Piggy bank

Yes, We ALL Need a Rainy Day Fund

By Austin White / September 18, 2017
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We live in a time of great temptation, with satisfaction just a click away. Still, nothing beats knowing you’re financially secure.

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How Your Credit Score Can Affect the Interest Rate on Your Loan

By Austin White / September 6, 2017
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If your credit score is a little banged up, the loan interest rates you’re offered can be very different from what you see advertised.

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8 Reasons Why Changes to the Way Credit Agencies Manage Errors will Benefit Consumers

By Austin White / March 27, 2017
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The three largest credit rating agencies, Equifax, Transunion and Experian in cooperation with the state of New York have agreed to change the way they review and correct errors on consumer credit reports.

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Five Questions To Ask a Loan Officer when Buying a Home

By Austin White / October 14, 2016
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Potential Homeowners looking to finance a home purchase will want to be sure to ask the following questions.

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How to Know Which Home Loan Is Right For You

By Austin White / October 10, 2016
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Are you a first time homebuyer? What is your credit score? First time homebuyers have a number of options available to them. There are many low down payment financing options available. FHA loans generally have a lower interest rate for…

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Five Questions To Ask Before You Refinance Your Mortgage

By Austin White / October 7, 2016
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Homeowners looking to refinance an existing loan will want to be sure to ask the following questions.

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How to Know If You Should Refinance Your Mortgage Or Not

By Austin White / October 7, 2016
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Here are some questions to help you make a decision about when to refinance.

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Questions and Answers About Home Equity

By Austin White / April 26, 2016
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There are several ways to finance a big home improvement project. One is to refinance for cash out, the other is to apply for a home equity loan or line of credit. Here is what you need to know

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Coffee cup and credit history word cloud

How Is Your Credit Score Determined?

By Austin White / April 7, 2016
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Credit scoring uses a formula to reduce a person’s complicated credit history into one simple number. Before trying to borrow money, it helps to understand how your credit score is calculated and what it says about your ability to get a loan.

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