How to Build Credit

Building a credit score is crucial in the years leading up to buying a home. If you’ve never opened a credit card or taken out a loan, you might have zero credit, which can make it difficult for a lender to assess your reliability as a borrower. Without a credit history, getting approved for a loan

How Are Mortgage Rates Determined?

When you check with a lender, you’ll see advertised mortgage rates. But will you qualify for those rates? It all comes down to risk—the higher the risk for the lender, the higher the interest rate you’ll pay. Lenders base your mortgage interest rate on several factors—some you can control, and othe