The Balance You Owe vs. Your Available Credit Lines - 30% impact on your credit score. Keeping your credit balances below 50% of your available limit is very important. Keeping your balances below 30% of your available credit is even better. This is perhaps the single most misunderstood part of credit scoring. There are a lot of misinformed...

Are you being penalized for paying your mortgage on time? Over the last couple of years that has been what I hear from several of the people that call me to refinance their current mortgages.  The sentiment is that they see people that fall behind or have other hardships be able to qualify for loan modifications where their mortgage...

Questions and concerns over how much to put down on a home purchase come up time and again with every client I meet with.  Some people come in already knowing they want to put absolutely nothing down, others want the minimum statutory investment, and others want to sink every penny they have saved into their home purchase.  Which method is...