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Stories

Mortgage Credit Certificates Explained for Homebuyers
Buying a home involves more than comparing sale prices and mortgage rates. Eligible buyers may also qualify for programs that reduce the federal income tax…
How to Handle an Old Collection Account Before Applying for a Mortgage
An old collection account does not automatically prevent you from qualifying for a mortgage. Lenders evaluate the entire credit profile, including your current…
Credit Freezes And A Smoother Mortgage Approval
A credit freeze is a useful identity-theft protection tool, but it can interfere with the credit checks required for a home loan. When a lender cannot access a…
The Credit Score Mortgage Lenders Look For Today
A credit score is one of the first numbers a mortgage lender reviews, but it is not the only factor that determines whether you qualify. Your income, debt…
How to build credit from scratch and buy a home in five years
Buying a home within five years is a realistic goal even if you have no credit history today. The process begins with establishing accounts that report to the…
How student loan deferment affects your debt-to-income ratio
Student loan deferment can provide temporary relief by postponing required payments, but it does not necessarily remove the debt from your mortgage…
Qualifying for a Mortgage With a Cosigner or Co-Borrower
Buying a home with limited credit history, uneven income, or a high debt-to-income ratio can make mortgage approval difficult. Adding another person to the…
Using A Cosigner On A Mortgage: What Borrowers Should Know
A cosigner can help a mortgage applicant qualify when income is limited, credit history is short, or existing debts push the debt-to-income ratio too high. A…
How Medical Debt Can Shape Your Mortgage Application
A medical bill can affect a home loan application in several ways, depending on whether it has been reported to the credit bureaus, how recent it is, and how a…
How to Lower Your Debt-to-Income Ratio Before a Home Loan
Your debt-to-income ratio, or DTI, helps mortgage lenders judge whether your income can support a new housing payment alongside your existing obligations. A…