When you are preparing to buy a home, it is natural to want your credit profile to look clean and organized. Many buyers think closing old credit accounts will improve their score, simplify their finances, and make them appear more responsible to lenders. In reality, closing old accounts can have the opposite effect. Those accounts play a much bigger role in your credit profile than most people realize and shutting them down can create sudden changes that impact your mortgage approval.
What to Know About Fractional Homeownership and Mortgages
Fractional homeownership is becoming more popular as buyers look for creative ways to enjoy a second home or vacation property without taking on the full cost. Instead of owning one home entirely, you purchase a fraction of the property and share ownership with several other people. While the idea sounds simple, fractional ownership comes with unique rules, financing challenges, and long-term commitments that every buyer should understand before moving forward.
Mortgages for Parents With Young Kids and What to Consider
Buying a home when you have young kids brings unique challenges, but it also creates opportunities to build stability for your family. Your priorities might look different from other homebuyers, and your financial decisions may need to reflect the needs of a growing household. By planning ahead and understanding what matters most, you can choose a mortgage that supports your budget, your lifestyle, and your long-term goals as a parent.
Mortgage Impacts of Using Venmo, Cash App, or PayPal for Income
More people are earning money through freelancing, side gigs, digital work, consulting, and online sales. Because of this, it is common for income to flow through platforms like Venmo, Cash App, or PayPal instead of traditional direct deposits. While these tools make it easy to get paid, they can also affect your mortgage application in ways many buyers do not expect. Understanding how lenders view these platforms can help you prepare long before you apply for a home loan.
What’s Ahead For Mortgage Rates This Week – January 5th, 2026
With the only notable item on the schedule being the release of the Federal Reserve minutes, which reflect the current stance of the Fed, virtually nothing has changed since the last rate cut. The Federal Reserve is expected to continue its wait-and-see approach.
Starting the New Year with Smart Home Financing
The New Year is a natural time to pause, reset, and think intentionally about financial goals. For many buyers and homeowners, real estate and home financing are part of that plan. Whether you are considering purchasing a home, refinancing, or simply positioning yourself for future opportunities, starting the year with a clear strategy can make a meaningful difference.
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