Washington State Mortgages, Made Clear. Buying or Refinancing? Let's find the right loan together.
Your mortgage approval doesn’t start with a rate — it starts with your credit profile and financial structure.
In this section, you’ll find educational articles on:
Understanding how lenders evaluate credit and income allows you to prepare strategically rather than reactively.
My goal is to help you improve your financial scenario — whether that means preparing to buy, restructuring debt, or planning your next move.
Equifax announced yesterday that they’ve were hacked on a scale unlike any we’ve seen potentially impacting half of our population.
From Equifax: “…a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017.” [Read more…]
Earlier this year, the three major credit bureaus (aka “credit reporting agencies” or “CRAs”), Experian, Equifax and Transunion, came to a settlement with the New York Attorney General impacting credit reporting. It is anticipated that the settlement will help some consumers improve their scores by 10-40 points. [Read more…]
This past weekend, I celebrated my 50th birthday with family and friends. I have two (not much) younger sisters who love to ask “don’t you feel older” and my answer is typically “not really”. I’m actually pretty excited to be the big 5-0…beyond being able to join AARP! [Read more…]
If you are buying your next home, you may be considering converting your existing home into a rental or second home. The lender on your new home will have different requirements depending on what type of financing you’re obtaining. [Read more…]
I just received an email from a popular credit reporting service suggesting that I open new accounts.
