I get this question daily from my prospective buyers. “Do you have to pull my credit? I don’t want you to hurt my score that I have worked so hard to maintain.” A great question for today’s home buyers and refinancing households, the value of “good credit” has never been higher.
Years ago, that concern made more sense. Today, it doesn’t, because having a mortgage company pull your credit is very different from having Walmart do it. Continue reading
Should you lease a new car, or should you buy one? Like most financial questions, the answer depends on your situation. For some people, leasing a car presents distinct economic advantages. For others, buying a car is the way to go. Continue reading
As a lender in Sacramento, I don’t typically have this conversation with my clients because we jump right into Mortgage and Real Estate stuff. With home values slow to rise and mortgage rates at all-time lows, there’s never been a more affordable time to own a home.
However, there is more to the cost of living than just a mortgage payment. There’s the cost of groceries, gasoline and getting your hair cut, too.
Not surprisingly, where we live affects our costs. Big cities are often more expensive to live, and local tax laws influence daily costs, too. Continue reading
