Why Giving Money for a Down Payment Makes Sense Helping a child or loved one buy their first home isn’t just generous — it’s smart. You may not realize it, but a down payment gift could generate an impressive 17%+ annual rate of return. That’s far better than most...
Buying a home is exciting, but it’s also one of the biggest financial decisions you’ll ever make. If you’re not careful, it’s easy to fall into costly traps. These common mistakes can delay your dreams—or worse, turn them into financial nightmares. As a Certified...
📊 Why Payment History Is So Important Your credit score tells lenders how trustworthy you are with money. Out of all the things that impact your score, payment history is the biggest piece — a full 35%! That means even just one late payment can lower your score,...
💡 What Is Mortgage Planning? Mortgage planning is more than just getting a home loan. It’s about making smart choices with your mortgage, debt, and cash flow that help you reach your financial goals. As a Certified Mortgage Planning Specialist, my job is to...
