📊 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,...
🧱 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...
Do You Feel Frozen Out of the Housing Market? 3 Ways to “Unfreeze” Your Housing Situation The housing market can feel like an icy roadblock, but don’t let today’s mortgage rates keep you from moving forward! Whether you’re a current homeowner, a...
Buying a home is one of the biggest financial decisions you’ll ever make. With all the noise in the media, it’s easy to feel uncertain. But should you wait, or is now the right time? The answer depends on your personal situation.Let’s break it down into three...
