Mortgages

Our Credit.com experts are here to help you better understand mortgages so that you can make smarter home loan decisions. Find out what you should consider when shopping for a home loan, plus ways to get the best rates & deals. Learn how to approach re-financing, foreclosures and short sales. Understand how mortgage decisions can affect your credit score.

15 Ways for Millennials to Buy a House

15 Ways for Millennials to Buy a House

15 Ways for Millennials to Buy a House

Not long ago, some poor soul suggested (and probably instantly regretted) the reason millennials can’t afford to buy homes is because they spend too much money on avocado toast. While the digital outcry from millennials was instantly indignant, that indigence may have been justified. Home ownership is difficult to achieve if you belong to the... Read More

Home Buying Tips for Women in Single Income Households

Home Buying Tips for Women in Single Income Households

Home Buying Tips for Women in Single Income Households

The real estate website Estately recently conducted a study showing how the continued gender wage gap in America affects home affordability and ownership for women. To answer this question Estately used 2016 U.S. Census data to compare men’s and women’s median salaries in the 50 most populated U.S. cities. Based on those salaries (and assuming... Read More

What is VantageScore and How Will it Change the Housing Market?

What is VantageScore and How Will it Change the Housing Market?

What is VantageScore and How Will it Change the Housing Market?

Did you know you have multiple credit scores, and that for all the work you have done to build your FICO score there are actually many other factors that can affect loan approval? FICO — the Fair Isaac Corporation, which calculates consumer’s credit — has essentially operated unopposed for decades. FICO scores have become synonyms... Read More

10 States Predicted to Have Strong Housing Markets in 2018

10 States Predicted to Have Strong Housing Markets in 2018

10 States Predicted to Have Strong Housing Markets in 2018

The housing market in the U.S. has experienced a major uptick over the past two years. In 2016, existing home sales were the strongest they’ve been since 2006. More than a decade after the worst housing crisis in U.S. history, it seems we’re finally in a sustainable recovery period. As we enter 2018, the housing... Read More

How Credit Scoring Changes Could Impact the Mortgage Market

How Credit Scoring Changes Could Impact the Mortgage Market

How Credit Scoring Changes Could Impact the Mortgage Market

Changes to the way credit scores are calculated are on the horizon, and for many prospective homeowners, this could be a good thing. For many years, Fannie Mae and Freddie Mac, the government-controlled entities that guarantee U.S. mortgage loans, have required lenders to base creditworthiness of prospective borrowers on FICO scores. Non-bank lenders have argued... Read More

How to Know If Your Credit Score Is High Enough to Buy a House

How to Know If Your Credit Score Is High Enough to Buy a House

How to Know If Your Credit Score Is High Enough to Buy a House

If buying a house is on your radar, you’re probably already browsing online listings and saving up for a down payment. Well, there’s one more thing you need to add to your to-do list: improving your credit score. Just like knowing the credit score you need for other big transactions, you should be aware of... Read More

Homebuyer’s Remorse Is Real: Here’s Why You Get It and How to Move On

Homebuyer’s Remorse Is Real: Here’s Why You Get It and How to Move On

Homebuyer’s Remorse Is Real: Here’s Why You Get It and How to Move On

After buying my first home in December 2016, I expected to experience nothing but positive feelings and a sense of accomplishment. Instead, I felt unease, fear, and self-doubt. “Did we make the right decision buying this home?” I often wondered in the months after moving in. I didn’t realize my homebuying “hangover” wasn’t unusual. In... Read More

Top 10 Financially Stable Cities in America

Top 10 Financially Stable Cities in America

Top 10 Financially Stable Cities in America

The global economic outlook is strong, according to recent information from Goldman Sachs. The firm predicts that global growth will reach 4 percent in the next year. The U.S. economy as we head into the new year is showing strong momentum and the unemployment rate is already below what the Federal Reserve deems as sustainable.... Read More

16 Cities Where it’s Cheaper to Buy than it is to Rent

16 Cities Where it’s Cheaper to Buy than it is to Rent

16 Cities Where it’s Cheaper to Buy than it is to Rent

January is a natural time to take stock of your financial life, and to dream big dreams about 2018. Could this be the year you make the leap to homeownership? Or will you make a big change and trade in your mortgage payment for a landlord? While the housing market has slowly recovered from its... Read More

10 Places Where Home Ownership is On the Rise

10 Places Where Home Ownership is On the Rise

10 Places Where Home Ownership is On the Rise

For a significant number of Americans, home ownership remains an all too distant dream. Between record levels of student loan debt, the challenges of squirreling away a down payment and skyrocketing housing prices in many parts of the country, it can be daunting at best to shift from renter to owner. The U.S. Census Bureau... Read More

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