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,... 
by CommIntern | Apr 23, 2021 | Financial Resources
Good Money Habits: 1. Get on a budget Create a budge and stick to it. Budgeting helps you pay bills on time, build wealth by saving, and prevent financial mishaps. 2. Pay off debt You can create a strategy to pay off debts based on your budget. Paying off your... 
by CommIntern | Apr 23, 2021 | Financial Resources
How long should my resume be? A resume should preferably be one page. However, two pages is OK so long as the information is relevant to the position that you are applying for such as, education, work experience, etc. Often times, a resume with more than two pages...