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

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

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

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

With the recent passing of the Tax Cuts and Jobs Act, many Americans are wondering how their finances will be affected. That’s a fair question, since a tax overhaul of this size and scope hasn’t happened since the 1980s. News reports have come out since the signing of the bill detailing how some companies have... Read More

The new tax plan is now officially law and as the dust continues to settle, there’s much confusion about how its provisions impact homeowners across the nation. The plan includes a handful of changes to take note of, among them a new combined deduction limit of $10,000 for property, state and local income taxes. (Residents... Read More