You’ve probably heard of a soft inquiry, soft credit pull or soft credit check. Why do they happen though? These occur when credit card issuers or mortgage lenders check your credit for preapproval purposes. They don’t impact your credit score because they aren’t attached to a specific application for credit. Soft inquiries may appear on […]
All posts by Thierry Roche
Mortgage – Start 2022 On The Right Foot
Preventing Small Floods In Your Home
So, just a question – when did you last replace your washing machine hose? A general rule of thumb is that a washing machine hose should be replaced about every five to seven years. If you’ve had your washing machine for about that long, and never replaced the hose before, you should probably keep reading. […]
The Mortgage Saga
These are some changing times, aren’t they? Loan limits for both Fannie Mae and Freddie Mac are adjusted annually to keep up with the cost of living – but with the appreciation that’s experienced lately in so many markets, it may not be enough. So, what do you do in that case? Qualified buyers can […]
Credit Utilization and How It Affects You
How much of your credit is available at a given time? When applying for mortgages and loans, a lower credit utilization means that the borrower is not relying heavily on their credit, and also means that they are using their credit wisely. Basically, the higher the percentage, the higher the risk is involved which will […]
Pay My Mortgage Off Faster? You Can Do It!
Mortgage free – if those words sound like music to your ears, keep reading! It is possible! Some people do consider their house payment to be as basic as a monthly utilities bill, but with some discipline and smart thinking, those words that sound like music now can become a reality. Let’s think about this […]
Let’s Knock Some Things Off Your List
If you’re a homeowner, you more than likely are already aware that you have to check things periodically throughout your home, making sure that they are operating properly and efficiently. If you do need maintenance on something in your home, it’s so much better to catch the repair earlier than later as the expenses could […]