Does a Mortgage Credit Inquiry Hurt My Credit Score?

By: Mike Tabla

Published on: 06/01/2025

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 score is a key factor in determining your eligibility for the best interest rates. Let’s explore how credit inquiries work in the context of mortgage applications and whether multiple credit checks could harm your score.

Mortgage

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

By: Mike Tabla

Published on: 06/01/2025

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 veteran or active service member—can the non-military spouse use their income to help qualify for a VA loan while taking advantage of the veteran’s VA benefits? Here’s everything you need to know, including what happens if you’re not married but want to purchase a home together.

Mortgage

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

By: Mike Tabla

Published on: 02/12/2024

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 more nuanced than a simple yes or no. Let’s break it down and explore other options for buyers who may not meet the criteria for this program.

Mortgage

How to Find Reliable Homebuying Information Without Unwanted Calls

By: Mike Tabla

Published on: 02/12/2024

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 sales calls can be tricky. Fortunately, there are reliable resources and opportunities to gain valuable insights without the pressure.

Mortgage