by Shelly Long | Aug 2, 2021 | Mental Health Resources
Has there ever been a time when someone experiencing anxiety has been told to “calm down?” Anxiety is a feeling of fear, dread, and uneasiness and it can’t simply be stopped by someone saying to “calm down.” Anxiety can manifest itself in many ways, some common... 
by Shelly Long | Jul 15, 2021 | Financial Resources, News, Resources
Family Houston and Houston Community Land Trust (HCLT) partner together to help more individuals and families purchase homes! We provide services to HCLT clients who don’t yet meet the requirements for homeownership and we also refer our clients, who are interested in... 
by Shelly Long | Jun 17, 2021 | Financial Resources
How to Increase Your Credit Score There are 5 factors that affect your credit score: Payment history Credit utilization (how much of your revolving debt you are using) Average age of accounts Credit mix Inquiries What are ways to increase your credit score? Pay your... 
by Shelly Long | Jun 17, 2021 | Financial Resources
Strategies to Save for a Down Payment Figure out how much down payment you will need Don’t forget to consider moving and closing costs Closing costs include lender fees, appraisal fee, home inspection fee, and transfer fees which can total between 3% to 4% The... 
by Shelly Long | Jun 17, 2021 | Financial Resources
Lenders use debt-to-income ratio (DTI) — along with credit history — to evaluate whether a borrower can repay a loan. To calculate your DTI, add up the payments you owe, such as rent or mortgage, student loan, auto loan payments, personal loans, credit card minimums,...