5 Counterintuitive Ways You Can Ruin Your Credit
Think you’re playing it safe with your credit? Maybe not. Here are five ways people accidentally wreck their credit—without even realizing it 😬
Paying off a loan early – Sounds respo...
Finances
Using a Downpayment Gift Without Stress
So your parents (or favorite auntie 🫶) want to help with your downpayment? Amazing. But before you accept that gift, there are a few things lenders are going to ask for.
To use a gifted downpayment, the money must be from a relative or so...
Designer Looks on a Budget
You don’t need a luxury price tag to create a space that feels high-end 🛋️. With the right mix of styling tricks and smart shopping, you can get that “designer look” without draining your wallet.
🪑 Stick with neutrals. A clean, s...
How Lenders Treat Commissions When Qualifying for a Home Loan
If you’re self-employed, a freelancer, or commission-based earner (👀 real estate friends, hairstylists, sales pros)—getting a mortgage can feel a little more complicated. But don’t worry—it’s doable with the right planning.
📁 M...
Should You Offer Financial Concessions When Selling?
In a perfect world, every buyer would make a full-price offer and waive all requests. But let’s be real—that’s not always the case 😅. In today’s market, offering financial concessions can be a strategic move that gets your home sold ...
Tips to Lower Insurance Costs
Home insurance is non-negotiable—but your premium doesn’t have to drain your wallet 💰. Whether you're a new buyer or longtime homeowner, here are smart ways to cut costs without cutting corners:
🔐 1. Bundle your policies. Combine hom...
Are HOA Fees Necessary?
Let’s be real—no one loves paying HOA fees 💸. But when managed well, these monthly dues can add real value to your home and neighborhood.
🏘️ What Do They Cover? Think landscaping, exterior maintenance, community spaces, pool upkeep...
Interest Rate vs. APR: What’s the Difference?
The interest rate is what you pay to borrow money. The APR (Annual Percentage Rate) includes that plus other costs like points, fees, and closing costs. APR is the more accurate picture of what a loan will truly cost you 📊. Don’t just shop...
FHA Loans Explained
FHA loans are a great option for first-time buyers or anyone with less-than-perfect credit. They offer lower down payment requirements (as low as 3.5%!), more flexible credit guidelines, and can be a stepping stone to homeownership. But they al...
Things to Look for When Obtaining a Moving Quote
Not all movers are created equal! When getting quotes, make sure you’re comparing apples to apples. Look for binding estimates, ask what’s included (boxes? mileage? insurance?), and always check reviews and licenses. If a quote is way lower...
Ideas to Save on Home Insurance
Home insurance is essential—but overpaying isn’t. Start by comparing quotes from multiple carriers 🧐. Increase your deductible if you have enough savings for emergencies. Bundle policies, install security systems, and ask about discounts...