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Monthly Archives: December 2021

    Will Soft Inquiries Hurt Your Credit Score?

    By Carla Higgins | December 28, 2021

    Soft inquiries, sometimes known as a soft credit check or a soft credit pull, do not impact your credit scores because they are not attached to a specific application for credit. They can occur when a credit card issuer or mortgage lender checks a person’s credit for preapproval purposes. Examples of soft inquiries are when … Continue reading Will Soft Inquiries Hurt Your Credit Score? → Read More

    Paying Down Your Mortgage

    By Carla Higgins | December 21, 2021

    When the situation arises that you have a lump sum of cash to pay down your existing mortgage, there may be different options available. Pre-paying principal on a fixed-rate mortgage shortens the term of the mortgage but the payment stays the same. Conversely, recasting a mortgage with a lump-sum principal payment lowers the principal and … Continue reading Paying Down Your Mortgage → Read More

    An Easy Fix to Avoid a Flood in Your Home

    By Carla Higgins | December 14, 2021

    Do you remember if or when you have replaced your washing machine hoses? Are they the original hoses and if so, how old is your washing machine? It is recommended that washing machine supply hoses should be replaced every five to seven years. Washing machines, like all appliances, are expected to work and when they … Continue reading An Easy Fix to Avoid a Flood in Your Home → Read More

    In Search of a Big Mortgage

    By Carla Higgins | December 7, 2021

    The Fannie Mae and Freddie Mac loan limits are adjusted annually to keep up with cost of living but with the appreciation experienced in many markets, it may not be enough. When the conforming loan limit is not enough, qualified buyers can turn to a jumbo loan. The maximum loan limit on conforming, conventional loans … Continue reading In Search of a Big Mortgage → Read More

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