by Shelly Long | Aug 2, 2021 | Mental Health Resources
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... by Shelly Long | Jul 15, 2021 | Financial Resources, News, Resources
July 15, 2021 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... by Shelly Long | Jun 17, 2021 | Financial Resources
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... 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,...