Is medical debt ruining your credit score?

A document with the rejected mark

IN A RECENT PRESS RELEASE, EQUIFAX, EXPERIAN, AND TRANSUNION ANNOUNCED SIGNIFICANT CHANGES TO MEDICAL COLLECTION DEBT REPORTING. Why? After months of research, these three nationwide collection agencies look to support consumers faced with unexpected medical bills. If so, there are three upcoming changes that you need to know. Here are three things you need to…

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Do’s and Don’ts of the Loan Process

A person working on a loan process application

Many variables come into play when you begin the loan process, and understanding the do’s and don’ts can make the difference between a lender approving or rejecting your home loan. Take a look at these simple loan process do’s and don’ts. DO: Keep your financial records close at hand in case the lender asks for…

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HOW LOAN PRE-APPROVALS GIVE BUYERS THE ADVANTAGE

A woman showing a couple the inside of a house

Mortgage pre-approvals give buyers the advantage when negotiating with sellers. The housing market is more competitive than ever, and bidding wars are a new hurdle in many transactions. Plus, mortgage guidelines have tightened. Lenders are increasing documentation requirements and following these more closely. A pre-approval gets you through much of the loan process, and uncovers…

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HOW TO MAKE A HOUSE YOUR HOME

A line of colorful houses in winter snow and trees

Picture this. You’ve closed on your dream home, and now, the fun part begins – moving (eek!). Usually, our first priority is to get “settled” but you can start making a house your home with a few easy life hacks. Thumbs up if you took advice from joy-sparking Marie Kondo and minimized before the move.…

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STRETCH YOUR BUYING POWER WITH AN ARM

An apartment building with windows and balconies

IS THE HOME YOU WANT OUT OF REACH? In a time of rising rates and prices, the home you really want may be out of reach with the typical fixed-rate loan. But stretching further isn’t really much of a stretch at all with an ARM—an adjustable rate mortgage. If you’re skeptical, be assured they’ve changed…

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CHARNER CREECY JOINS UNITED HOME LOAN SERVICES, INC. AS DIRECTOR OF COMMUNICATIONS

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United Home Loan Services, Inc. named Charner Creecy as the company’s first director of communications. “Charner is our first executive who will be dedicated to growing the business through new marketing and communications tactics,” said Billy Howard, President of United Home Loan Services, Inc. “Since opening in 2006, referrals and relationships have been the basis…

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