Someone you care about — a child, sibling, parent, or close friend — needs help qualifying for a mortgage or large loan. They’ve asked you to co-sign. You want to help, so you say yes.
Before you do, make sure you understand exactly what you’re agreeing to. Co-signing is not a formality. It’s a full financial commitment, and it can have real consequences for your credit, your finances, and your own ability to buy or refinance a home.
Here’s what every co-signer — and every borrower asking for one — should know. [Read more…]
One of the most common ways home buyers get 
Credit score is one of the first things buyers worry about when they start thinking about a mortgage — and for good reason. It affects what programs you qualify for, what interest rate you receive, and in some cases how your entire application is evaluated. But the relationship between credit score and mortgage qualification is more nuanced than most people realize, and it’s changing.
Twas the season of spending with American’s splurging over $1100 on gifts this holiday season. Credit card interest rates average around 24% with 
