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Recent Success Stories

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Are you sabotaging your financial freedom?

Friday, August 01, 2014
Hitting big in Vegas, winning the lottery, inheriting a fortune and inventing the next billion-dollar idea can be paths to financial freedom. Unfortunately for most of us, our own path instead requires some smart decision-making, discipline, budgeting and real work. No matter the size of your paycheck, your financial moves can make a big impact on how you live. To avoid financial difficulties or h ..

How to determine your monthly housing budget

Wednesday, July 23, 2014
What measures determine home affordability?Mortgage lenders have traditionally expected borrowers to have a housing expense ratio of 28% or less. The housing expense ratio is an indication of a borrower’s ability to make the payments on their mortgage loan. The ratio measures housing expense as a percentage of gross income (income before deducting for Social Security, Medicare, and taxes). F ..

Why your job matters when buying a home

Wednesday, July 16, 2014
Did you recently change jobs or receive a promotion? Despite what you might have heard, it is still possible to qualify for a mortgage to buy or refinance a home using your new income. The lending atmosphere is rife with misconceptions about job gaps, job changes and occupational changes within the course of an employment time frame. You can get a mortgage if you switched jobs or even changed indu ..

3 Strategies for Consolidating Debt

Monday, June 23, 2014
Are you tired of juggling all your loans and credit card balances? These three debt consolidation strategies can help simplify your plan to get debt-free. 1. Consolidate Your Credit Cards Rather than pay five credit card bills each month, why not pay one? Consolidate all those smaller credit card balances onto a single card and simplify your finances while also getting a lower interest rate ..

You can't be financially secure without these 10 products

Wednesday, April 16, 2014
Being money smart is about more than having a budget and eliminating dumb purchases. It means creating a financial foundation that will carry you and your family comfortably through whatever life throws your way. To create that foundation and find lasting financial security, you need to own these 10 products. (Hint: You’re about to hear a lot about insurance.) 1. Checking accou ..

5 things you should always buy used

Monday, April 07, 2014
One of the questions consumers often face when making a buying decision is, "New or used?" We typically want the new product for the obvious reason: We believe new is always better. And while that's typically true for certain types of products, such as HDTVs and underwear, a savvy shopper knows when a used product is a perfectly reasonable alternative. Here are five used items that are just as goo ..

8 Credit Score Myths: Fact v.s. Fiction

Wednesday, April 02, 2014
Want to get a handle on your credit? Well, first you’ll have to learn what factors impact your credit score. Unfortunately, there are a number of myths that can cause your brain to spin like the Tasmanian Devil from information overload. Here are some common credit score myths: 1. My employment history will make or break my credit Your employment history has nothing to do wi ..

Can You Still Buy a Home With No Down Payment?

Monday, March 31, 2014
Are you considering buying a home this year? Most would have you believe that you need at least a 3.5% down payment to get a mortgage. But there are actually a few ways you can get a home with 100% financing. Here’s what you’ll need to get the keys: a good credit score — a 700 or better with a clean payment history; consistent income, with a solid work history for at least t ..

Can I use my credit card after bankruptcy?

Monday, March 24, 2014
Is it true that you have to wait three months after bankruptcy to charge on a credit card again? Three months? Nah. Assuming it's a Chapter 7 bankruptcy, you're free to use a credit card the same day you file and beyond. A Chapter 13 bankruptcy is a different story, though. If that's what you've filed, there is no specific waiting period, but rather a borrowing rule. While using a court  ..

Time for a Mortgage? How to Know You're Ready for Home Ownership

Wednesday, March 05, 2014
As with most big decisions, you’ll need to weigh the benefits against the immediate and long-term time, energy and costs associated with owning a home. See how many of these statements apply to you and decide if buying a home is the right move for you. 1. Your rent is higher than a mortgage payment. The cost of renting, over time, can eclipse the cost of owning and maintaining a hom ..

 

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Disclaimer: Improvement of your credit score and/or particular results vary per client. We cannot guarantee any results or improvement as stated in our Guarantee Disclaimer. Following our best results practices and educational consulting, we do typically see improvement in credit scores.