Mortgage Credit Information

Why should you care about your credit history? 1) You are being watched.  National Credit Reporting Agencies (NCRAs) and Credit Reporting Agencies are constantly collecting data about you. This data is provided to each agency by “Data Furnishers”. These Data furnishe… Read more

One key to establishing and keeping a great Credit profile is preventing access to your personal  information.  There are basic free tools and social behaviors you can adopt to to mitigate your own personal fraud risk.  There were 16.7M Victims of Identity theft in US… Read more

Spreading Awareness of Down Payment Assistance Down Payment Assistance programs provide homeowners with free money (Grants and forgivable loans) towards the purchase of a home. with various income and location limits.  These programs are administered on a State and Loc… Read more

What is a Credit Report  A credit report is a set of information that represents your general creditworthiness and reputation as a consumer.  It includes a vast amount of personal data.  A sample of the information contained within a credit report is your  address his… Read more

What is the minimum down payment required to purchase a home in the United States?   The minimum down payment is 0% for special government programs , but the answer you may see is as the absolute minimum is 3.0-3.5%.  Many people believe that homeownership is more expe… Read more

Hello Readers,  Mission: Increase and spread knowledge of the personal finance concepts of Credit and Mortgage Finance in an easily digestible format to facilitate a diverse generation of future homeowners . Transparency: This blog will contain affiliate links to produ… Read more