A good place to start is with two credit cards from different lenders, but there is no magic end point. Focus on spending habits and paying on time. The products shown on this page are mostly or entirely from our advertising partners. They pay us when you click on one of their links and then … Read more
Buying a second house when you already own one isn’t something FHA loans typically allow, but there can be 2nd FHA loan exceptions. At the Wendy Thompson Lending Team, we can help you get a second FHA loan as a second-time homebuyer. Here’s what you must know. Hey there, second-time homebuyers in Tennessee and Mississippi! … Read more
Visa Infinite cards sit at the top tier of Visa’s lineup, offering premium benefits and services. But this high-end experience comes at a price – literally. Visa Infinite cards have hefty annual fees, often $400 or more. So how much does a Visa Infinite card really cost? Let’s break it down. The Annual Fee The … Read more
Best Buy credit card requirements can seem daunting, but understanding the specifics is key to securing approval. This detailed summary tells you everything you need to know about the requirements, from income and credit history to age and residency, so you can confidently go through the application process. We’ll explore the various card types and … Read more
You have the right to remove PMI for many mortgages, once you have paid down your mortgage to a specified point. Ending PMI reduces your monthly costs. Some lenders and servicers may allow removal of PMI under their own standards. The following information explains the legal requirements for mortgages on single-family homes that closed on … Read more
A 609 request is a formal request for credit report information. It can help uncover sources of reporting inaccuracies you wish to dispute, but a 609 request isnt actually a “dispute letter. “. A “609 dispute letter,” often mischaracterized as a means of getting negative information removed from a credit report, is a name sometimes … Read more
It’s been a year since you got married, but you still need to take care of your student loan debt. The first thing you should do is look up both of your loans to see what kind of loan they are, how much they are still owed, how much you pay each month, and what … Read more
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and … Read more
FICO Scores are calculated using many different pieces of credit data in your credit report. The five groups that this data is divided into are payment history (35%), amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%). Your FICO Scores consider both positive and negative information in your credit … Read more
So, you’re eager to pay off your mortgage early? That’s a great financial goal to set for yourself! Not only is there huge freedom in being completely debt-free and living in a paid-for house, but it’s also a great way to build wealth—getting rid of your house payment leaves you with a ton of extra … Read more