All of the pundits have been pushing the “historically low rates” and this “is the best time to buy in years” for what seems like two years to me.  I’m hear to tell you that NOW is finally the best time to buy.  Here’s why. There are a number of things pointing to this being the crest of the time to buy. Some are obvious.  Yes, rates are...

The type of credit that you have open - 10% impact on your score. A good mixture of auto loans and leases, credit cards and mortgages is always best. Too many credit cards is not a good thing, and having a mortgage does increase your score. Practical steps to improve your score in this area are: Having 3-5 revolving credit cards open is...

In meeting with clients, a common question that surfaces is what happens to my home if I pass away and still owe a lender money. The easy answer is that the mortgage still needs to be paid, whether by a surviving joint owner of the property, personal representative of the estate of the decedent, or by the trustee of a trust if the property...