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What Are the Cons of an FHA Loan?

In the pursuit of homeownership, affordability and accessibility are essential considerations. This is particularly true for borrowers navigating the real estate landscape for the first time or with limited financial means. Among the options available, FHA loans can help ease the financial barriers of buying a home. However, additional monthly costs and FHA housing standards … Read more

Swiping Anywhere: Which Credit Card Rules the World?

If youre looking for a credit card that is most likely to be accepted wherever you are in the world, your best choice is a credit card that carries the Visa or MasterCard logo. We compared the merchant acceptance of the four major global card payment networks — American Express, Discover, MasterCard, and Visa — … Read more

Does Opening a Bank Account Affect Your Credit Score?

This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. A lot of the time, opening a checking or savings account won’t affect your credit score because it won’t be reported to the three main credit bureaus. The same holds true for … Read more

Do Mortgage Lenders Use FICO 9?

When applying for a mortgage, your credit scores play an important role in determining whether you’ll get approved and the loan terms you may receive. But with multiple scoring models available, you may wonder – do mortgage lenders use FICO 9? The short answer is: Not yet, but they likely will in the future. Let’s … Read more