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The Differences Between Hard and Soft Credit Inquiries
Credit inquiries, also known as credit pulls or checks, are a standard part of assessing creditworthiness. However, not all credit inquiries are the same. They fall into two main categories: hard and soft credit inquiries.
5 Financial Tasks to Tackle Before the New Year
As the year draws to a close, it’s the perfect time to take stock of your financial health and set yourself up for success in the coming year. You can create a solid foundation to achieve your goals by focusing on key areas. Here are five important financial tasks to consider before the new year begins.
Por qué el Mantenimiento Regular del Hogar es Más que una Tarea
Ser propietario de una casa es una gran responsabilidad y una de las inversiones más valiosas que muchos de nosotros haremos en nuestra vida. Al igual que cualquier activo valioso, tu hogar requiere cuidado y mantenimiento para asegurarse de que se mantenga en...
Will Refinancing Impact Your Credit?
Refinancing a mortgage can provide significant financial benefits, such as lowering your interest rate or accessing home equity. However, it’s important to understand how the process may temporarily affect your credit score.
What’s Ahead For Mortgage Rates This Week – December 9th, 2024
With the CPI and PPI scheduled for release in the upcoming week, the previous week was lightly peppered with a small amount of impactful financial data releases. The highlight was the S&P Manufacturing PMI, which reported final numbers for the year showing better-than-expected improvements in the manufacturing sector. Unemployment data also aligned with expectations, reinforcing the likelihood of a Federal Reserve rate cut remaining on track. Lastly, the Consumer Credit Report had the expected jump just before the Holiday Season as consumers relied on credit to make holiday purchases for the end of the year.
Why Refinancing Your Mortgage Before the Year Ends Is a Great Option
As the year comes to a close, it’s the perfect time to consider refinancing your mortgage. Whether you’ve been thinking about lowering your monthly payment, securing a better interest rate, or tapping into your home’s equity, refinancing can offer many benefits.
The Role of the Appraisal Contingency in Real Estate Contracts
When you’re buying a home, one important component of the real estate contract is the appraisal contingency. This clause protects the buyer in case the property’s appraisal comes in lower than the agreed-upon sale price.
Mortgage Assistance Programs and Government and Nonprofit Options
Purchasing a home is a significant financial milestone, but for many potential buyers, the upfront costs and down payment can be a barrier. Fortunately, there are a variety of mortgage assistance programs available through government agencies and nonprofit organizations to help low- and moderate-income homebuyers achieve their dream of homeownership.
Hipotecas Verdes Financiación de Casas Eficientes en Energía
¿Qué es una Hipoteca Verde? Una hipoteca verde es un tipo de préstamo hipotecario diseñado para incentivar prácticas de construcción energéticamente eficientes. Estas hipotecas están específicamente adaptadas para propiedades que cumplen con ciertos estándares...
Steps to Prepare for Future Home Financing and Year-End Financial Checklist
As the year draws to a close, it’s the perfect time to take a step back and review your financial health, especially if you plan to purchase a home next year. Whether you’re a first-time buyer or looking to upgrade, proper preparation can make all the difference when securing a mortgage with favorable terms.