Brian Decker’s Blog

The Basics of Paying Off Credit Card Debt

The Basics of Paying Off Credit Card Debt

When it comes to credit card debt, not everyone finds themselves in trouble due to poor decisions. Often times, these debts are incurred due to needing emergency funds such as a quick trip to the ER or car problems. Nevertheless, the result is the same, buried into...

How to Improve Your Credit Score to Qualify for Down Payment Assistance

How to Improve Your Credit Score to Qualify for Down Payment Assistance

There are two elements to purchasing a home: qualifying for a home loan and making the down payment, and each can impact the other. A FICO score of at least 720 is recommended to qualify for a home loan with a good interest rate. First, check your credit reports from three agencies (Experian, Equifax, and TransUnion) to view your score as well as your credit history.

General Tips for First-Time Homebuyers

General Tips for First-Time Homebuyers

Whether it’s meant for a single person or an entire family, buying a house for the first time is a once in a lifetime experience. However, it’s also a responsibility and massive financial investment. Unfortunately, without proper research and planning, some first-time homebuyers get into a bit of trouble due to their inexperience.

Common Questions About Down Payments for Mortgages

Common Questions About Down Payments for Mortgages

Your down payment is one of the most important parts of buying a property, but many prospective homebuyers are unsure about how the down payment can impact other aspects of the homebuying process. The more you understand how your down payment plays into the quality of home loan packages you’ll be offered, the better deal you’ll be able to get.

How to Calculate the Down Payment on a House

How to Calculate the Down Payment on a House

Once you make the decision to purchase your own home, there is a staggering amount of work to be done. Even after your forever home, or even a temporary home, comes along, the deal isn’t done until the official closing. With that comes all the fees and the costs associated with finalizing a purchase. Several decisions need to be made in advance to this final step, including how much money you are going to put down as an initial payment.