Does a Mortgage Credit Inquiry Hurt My Credit Score?

When you're in the process of buying a home or refinancing your mortgage, it's common to wonder whether having a lender run your credit will negatively impact your credit score. After all, your credit... ...more

Mortgage

January 06, 2025•3 min read

Can You Use Your Spouse’s VA Loan Eligibility and Your Income to Qualify?

One of the many great benefits of VA loans is that they offer competitive interest rates, no down payment, and no private mortgage insurance (PMI) requirements. But what if only one spouse is a vetera... ...more

Mortgage

January 06, 2025•3 min read

Do You Need to Be a First-Time Homebuyer for Utah’s $20,000 Down Payment Assistance Program?

Utah residents exploring ways to afford their first home often hear about the $20,000 down payment assistance program. But does this program require you to be a first-time homebuyer? The answer is mor... ...more

Mortgage

December 02, 2024•3 min read

How to Find Reliable Homebuying Information Without Unwanted Calls

Are you planning to buy your first home and feeling overwhelmed by the flood of calls from lenders? While purchasing a home is an exciting milestone, navigating the process while avoiding unsolicited ... ...more

Mortgage

December 02, 2024•3 min read

How Long Must I Live in My Primary Residence Until I Can Legally Turn It into an Investment Property?

Discover the rules and requirements for turning your primary residence into a rental property. This blog covers the one-year occupancy rule for FHA, VA, USDA, and conventional loans, as well as unique... ...more

Mortgage

November 05, 2024•3 min read

Can I Get the Seller to Pay My Closing Costs?

Learn how you can negotiate for the seller to pay your closing costs when buying a home. This guide explains the maximum contribution limits based on loan type—FHA, VA, USDA, conventional, and investm... ...more

Mortgage

November 05, 2024•4 min read

What Happens if I Have Good Credit, But My Spouse Has No or Poor Credit?

When applying for a mortgage, your credit score plays a crucial role in determining your eligibility and the terms of your loan. But what if one spouse has excellent credit and the other has no or poo... ...more

Mortgage

September 17, 2024•3 min read

What Are Closing Costs and How Much Should You Expect to Pay?

When buying or refinancing a home, closing costs are an important part of the process. They consist of various fees and charges that need to be paid before finalizing the loan. It's crucial to underst... ...more

Mortgage

September 17, 2024•2 min read