Every year, millions of Americans buy a house for the first time. This is called being a “First-Time Home Buyer” and it can be a very exciting time in your life. Your family can enjoy the new space together on many occasions. The problem with this concept, though, is that there are hundreds of mistakes […]
Continue ReadingTag: house
What Are The Pros & Cons Of Paying To Lock In Mortgage Rates?
There are pros and cons to consider when it comes to locking in mortgage rates. On the one hand, paying to lock in a rate can provide peace of mind and protection from rising rates. On the other hand, there is always the potential that rates could fall after you’ve locked in, leaving you with […]
Continue ReadingIs A Wave Of Foreclosures Coming In The Near Future?
With the arrival of the COVID-19 pandemic, the past year for most homeowners has been anything but ordinary. The unemployment rate has skyrocketed, and many people have been worried about reaching a point where they’ll be unable to make their mortgage payments. For many people, foreclosures could be happening in the near future. While government […]
Continue Reading10 Reasons Why Winter Can Be A Budget-Breaker
Summer can be a high-cost season with family vacations, more outdoor activities to do, and summer parties to attend, but winter can also be a high cost season for other reasons. Winter is when many expenses suddenly appear that were not present during the warm summer months. Some expenses are unavoidable, while others can be […]
Continue ReadingNew Survey Reveals Top Barriers To Homeownership
The 2019 Consumer Financial Literacy Survey reveals the most significant obstacles faced by prospective homeowners, underscoring the need for homebuyer counseling and education. As Financial Literacy Month is recognized throughout the nation in April, Advantage Credit Counseling Service and the National Foundation for Credit Counseling® (NFCC®) are working together to spotlight the results of the […]
Continue ReadingHow to Deal with the Financial Effects of a Natural Disaster
Natural disasters can cause an enormous amount of devastation and damage, but the effects can actually be more far-reaching than many imagine. When a natural disaster strikes, debt and/or your personal finances are probably the LAST things on your mind. But these two topics are going to come to light pretty quickly after something bad […]
Continue ReadingHow to Build a Strong Financial House with Housing Counseling
For most Americans, buying a home is the largest purchase they will make in their lifetime. But it’s not enough to know what neighborhood, style of house, or square footage you want. Consumers also need to have their financial affairs in order prior to considering homeownership. A consumer’s financial history and credit rating are two […]
Continue ReadingHow Credit Counseling Can Help You Get A Mortgage
We get asked this question almost every day “Can you get a mortgage if you’ve done credit counseling and are on a Debt Management Program (DMP)?” The short and sweet answer is “YES”! There are a few things that you need to consider though. Consumer credit counseling can get individuals with poor credit scores on […]
Continue ReadingAffordable Ways to Cool Down Your House in the Summer
Summer is here and so is the squelching heat! We are all going to make the most of these few precious months of warmth before the harsh winter rolls in. While it is great to break out in those shorts and flop around the beach or pool in sandals. The fact remains that a house […]
Continue ReadingHousing Counseling is Helpful in All Stages of Homeownership
The process of homeownership is a complicated one. Searching for a home, choosing a home, deciding to buy it, and maintaining it can be very difficult. Many individuals strive to understand the choices. Purchasing a home without any experience is scary. Many studies have demonstrated that housing counseling and education for homeowners and potential home […]
Continue Reading