Homeowner Insights

Find the resources you need to reach your homeownership goals with these Homeowner Insights. These articles were selected to help you make sound financial decisions regarding home loans, mortgages, construction financing and more.

Credit Score Considerations

Review these articles for helpful hints about your credit score.

A good credit score can help you get a lower interest rate on a mortgage or automobile loan, qualify for an apartment rental, or even get a job. A low score can cost you more for insurance or your cell phone plan. These articles can help shed some light on the factors affecting your score:

  • Test Your Credit IQ: The more you know about credit, the more you can save and the easier it will be for you to borrow. So, let's start with a little quiz to see how much you know.

  • What’s the Score? Your credit score can mean the difference between being denied or approved for credit. This article can help understand how your credit score is determined and where to find your score. 

  • What You Can Do to Improve Your Credit Score: Your credit score is computed by a number of different factors—and if one factor changes, your score may change, too.

  • All about Borrowing: Sometimes it's necessary to borrow for major purchases like an education, a car, a house. Your ability to get a loan generally depends on your credit history.

Before You Buy

Co-signing, contracts, credit... Oh my! These quick tips can help you prepare for purchasing.

Purchasing a home is often the investment of a lifetime. These articles can help you get things in order before you buy.

Managing a Mortgage

Homeownership is one of the biggest investments of a lifetime for most people. These articles can help better understand this investment into your home.

These articles can help shed some light on all the factors involved with a home mortgage.

  • All About the Home Mortgage Appraisal: A home appraisal is often required as an essential component of the mortgage financing process. These quick tips can help shed some light on the appraisal report.

  • Mortgage Pre-Qualification or Pre-Approval: What’s the Difference? Annual percentage rate. Points. Closing costs. As anyone who has ever applied for a mortgage knows, there sure are a lot of terms thrown at you. This article can help understand the difference between two commonly confused terms, pre-qualification and pre-approval.

  • Make Over Your Mortgage: There are some very good reasons why a mortgage makeover may be a smart move for you. This article outlines a few.

Happy Homeownership

Ideas to help you have your home, your way!

You really can have your home, your way! These articles outline simple tips to keep your home in tip-top shape:

  • Smart Home Equity Borrowing: If you own a home and have thought about borrowing to make home improvements or major purchases, chances are you’ve heard about home equity borrowing. This article helps outline your options with home equity.

  • Home Makeover, Indoor Edition: There are plenty of things you can do inside your home to improve its appearance and keep you busy. Best of all, you don't have to spend a fortune in the process.

  • Disaster Planning: The last 10 years have seen many disasters right in our own backyards. Hurricanes, tornados, ice storms and floods have crippled parts of our country, often with little or no warning. These tips can help you get things in order and prepare for an emergency.