Congratulations on your new home!


I just wanted to send out a personal “Thank You” for assisting us in getting our new home! It was quite the journey, with a couple of bumps along the way, but we are happy that it is all final and we are now unpacking. We would not have made it without any one of you!

Mickey and Heather Johnson get their home!

Mickey and Heather Johnson get their home!

I wish you all the best!

Mickey and Heather Johnson

Who knows more about credit Women or Men? The Poll says……

Women! Most of the poll questions showed women to be more knowledgeable when it came to credit. One of the keys things I read was that when asked what a good credit score is, 35 percent of women (versus 29 percent of men) knew what a good score was. That is a very low percentage. In today’s world it is extremely important to Know what a good credit score is, how to check your credit, how to improve your credit, and how it effects your everyday life.

For the whole story click here!

What is a qualified mortgage? What lenders and realtors need to know.

Straight from the CFPB ( Consumer Financial Protection Bureau ) these are the new guidelines that just took effect. One of the main things to remember is number two ,Any loan that meets the product feature requirements and is eligible for purchase, guarantee, or insurance by a GSE, FHA, VA, or USDA is QM regardless of the debt-to-income ratio (this QM category applies for GSE loans as long as the GSEs are in FHFA conservatorship and for federal agency loans until
an agency issues its own QM rules, or January 10, 2021, whichever occurs first).

For the whole story click here!

10 Ways a Bad Credit Score Can Hurt You

Did you know having bad credit can hurt your ability to get a job? It is legal for would-be employers with your permission to look at your credit report and use that as part of the hiring decision. Employers are regulated on the extent that credit reports can be used in the hiring process. If you are denied a job because of a negative report, you must be told about that.

Interested in knowing how else a bad credit score can hurt you?
For the whole story click here!