These 4 Tips Can Improve Your Score by Up to 35% 📊 Why Payment History Matters Your payment history is the #1 factor in your credit score, making up 35% of the total. Lenders want to see that you pay on time—every time. When you pay your bills late or miss payments,...
🧱 1. Underestimating “Carry Costs” When buying a property, most investors focus only on the purchase price and possible resale value. But the real costs of ownership stack up fast. These are called “carry costs”—things like mortgage payments, taxes, utilities,...
A Strategic Look at the Delayed Financing Exception By Brian Hunton, Certified Mortgage Planning Specialist (CMPS®) đź’ˇ Why Pay Cash Upfront? In today’s competitive market, cash buyers often win. Sellers love cash because it’s fast, clean, and low-risk. But what...
The Power of Mortgage Tax Strategies for High Earners Why High Earners Need a Smarter Mortgage Plan If you’re a high-income earner, you already know taxes can take a big bite out of your income. But did you know your mortgage might be the key to keeping more of...
