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Monthly Archives: November 2021

    Credit Utilization Affects Your Score

    By Carla Higgins | November 30, 2021

    Credit utilization reflects how much of your available credit is being used at a given time. Lower credit utilization indicates that a borrower is not heavily relying on their credit and that they are using their credit responsibly. Is calculated by dividing your total credit card balances by your total limits. The higher the percentage, … Continue reading Credit Utilization Affects Your Score → Read More

    Larger Payment, Shorter Term, Bigger Savings

    By Carla Higgins | November 23, 2021

    Some people consider a house payment as basic as monthly utilities but with a plan and some discipline, you can be mortgage free. Consider a person borrowed $300,000 at 3% for 30 years, the principal and interest payment would be $1,264.81 and at the end of 12 years, the unpaid balance on the mortgage would … Continue reading Larger Payment, Shorter Term, Bigger Savings → Read More

    Have you checked these lately?

    By Carla Higgins | November 16, 2021

    Homeowners know the need to periodically check certain things around the home to ensure that things operate properly and efficiently. If maintenance is required, it may be less expensive to take care of it early rather than waiting until it is not working at all. Checklists are helpful because it requires little effort to know … Continue reading Have you checked these lately? → Read More

    Uncle IRRRL wants to refinance your VA loan

    By Carla Higgins | November 9, 2021

    You don’t have to have an Uncle IRRRL but you must be a veteran with a current VA-backed home loan. IRRRL is an acronym for Interest Rate Reduction Refinance Loan. To refinance with this program, also called the VA Streamline, the loan must provide a net tangible benefit (NTB) which would be in the financial … Continue reading Uncle IRRRL wants to refinance your VA loan → Read More

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