Calm Down

Calm Down

August 2, 2021 Has there ever been a time when someone experiencing anxiety has been told to “calm down” and that actually worked? Absolutely not. Anxiety is a feeling of fear, dread, and uneasiness. It can’t simply be stopped by someone saying to “calm down.” Anxiety...
Credit Score

Credit Score

June 17, 2021 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 Pay your monthly bills on time Payment...
DownPayment

DownPayment

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...
DTI

DTI

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,...