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Daily Archives: January 15, 2021

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  1. Home
  2. 2021
  3. January
  4. 15

Will Paying My Credit Card Balance Every Month Help My Credit Score?

UncategorizedBy adminJanuary 15, 2021Leave a comment

Dear Experian, Is it better to pay off the entire balance on a credit card each month, or to leave a small balance to carry over? – OHR Dear OHR, Paying your credit card balance in full each month can help your credit scores. There is a common myth that carrying a balance on your…

Should you refinance to a 15-year mortgage in 2021?

UncategorizedBy adminJanuary 15, 2021Leave a comment

Competitive rates could save homeowners thousands, experts say For many middle-aged and older homeowners with several years of equity on their homes, 2021 could be a prime time to refinance from a 30-year fixed-rate mortgage into a 15-year mortgage. The three primary reasons homeowners refinance to shorter-term loans are to save money on interest, to pay…

Should I Buy a Foreclosure for My First Home?

UncategorizedBy adminJanuary 15, 2021Leave a comment

First-time homebuyers with an above-average tolerance for risk (and the wherewithal to do some fixing up) may be able to nab a major bargain by buying a foreclosed home. Foreclosures typically sell below market value, but there are complications to consider. How Does Buying a Foreclosed Home Work?  Foreclosure occurs when a mortgage borrower fails to…

How much house can you afford to buy?

UncategorizedBy adminJanuary 15, 2021Leave a comment

For many, the homeownership journey logically begins by trying to figure out how much house you can afford. But there’s an even better question you should ask yourself first. Instead, start by answering the question, “What do I need from my future home and why?” It’s your answer to that question that really dictates why…

How big of a down payment do you really need?

UncategorizedBy adminJanuary 15, 2021Leave a comment

Here’s exactly how much money you need for a down payment There’s a common misconception that you need a 20% down payment to purchase a home. But the truth is, your down payment depends on your lender, credit score and the type of mortgage you qualify for. For example, some loans require as little as 3%…

Homebuyer demand for mortgages eases to end a record-breaking 2020

UncategorizedBy adminJanuary 15, 2021Leave a comment

Mortgage applications to purchase a home fell 5% for the week but were 26% higher than the same week one year ago. Low rates continue to fuel refinance volume, which rose 4% for the week and was a stunning 124% higher than a year ago. What was expected to be a mundane year in the…

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