A mortgage is an agreement between you and a lender that gives the lender the right to take your property if you don’t repay the money you’ve borrowed plus interest. Mortgage loans are used to buy a home or to borrow money against the value of a home you already own. Mortgages are one of … Read more
Many students know theyâll have to borrow money to help with college expenses, and thatâs normal. Borrowing money responsibly and paying it back on time is a part of life for many of us. So, itâs important to understand what it means to take on student loan debt and how to handle it smartly. The … Read more
Closing on a new home may seem like a daunting task, but with the checklist below, you’ll be more than prepared for the closing table. Closing on a home can be an exciting yet stressful time As the big day approaches, it’s normal to feel some anxiety about making sure you have everything in order … Read more
Selling a home can result in a significant capital gains tax liability, but there are several ways to reduce this burden. Here are four effective strategies to minimize capital gains on the sale of your home: When you sell your home at a profit, you may owe capital gains taxes on the difference between what … Read more
Learn how to find the available credit on your Apple Card, the credit limit, APR, and how to request a credit limit increase. As an Apple Card holder, your credit limit determines how much you can spend on your card. A higher limit means more purchasing power, while a lower limit restricts your spending. So … Read more
When you buy a home, do you know what costs and cash you’ll need to pay at closing? If you aren’t sure what “cash to close” means, what your closing cost amounts are or how to pay them, read on to learn more. When you are in the process of buying a new home, there … Read more
Buying a home is an exciting affair. And one of the most exciting moments – besides getting your house keys – is learning that your mortgage has been declared “clear to close.” Based on the name, you may think that means everything is complete and nothing else is needed. Unfortunately, that’s not 100% accurate. There’s … Read more
This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. The income needed for a $450,000 mortgage varies based on a few factors, but generally speaking, an income of $130,000 would put you in the position to afford a $450,000 mortgage. You … Read more
Your score falls within the range of scores, from 580 to 669, considered Fair. A 637 FICO® Score is below the average credit score. Some lenders see consumers with scores in the Fair range as having unfavorable credit, and may decline their credit applications. Other lenders that specialize in “subprime” lending, are happy to work … Read more
Join us at Gerald and experience a new way to shop for your recurring and essential household needs. Disclaimer: Activation of cash advances requires a portion to be used for buy now, pay later purchases at Geralds store, Cornerstore. Cash advances have no transfer fees, subscription costs, interest, or down payments. In todays digital world, … Read more