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The average American had a VantageScore of 675 in 2017, the highest in five years. Total U.S. credit-card debt reached $1.021 trillion in June, an all-time high. Though San Francisco residents have among the most credit cards in the country, they also have the lowest average late payments in the U.S. Having excellent credit is…

How Home Buyers Can Win the Bidding War Sellers are delighted to find themselves in a bidding war situation where multiple home buyers are making offers on their property.  They are going to have their pick of the many good offers coming in. However, a buyer in this situation may feel less elated.  They are…

Don’t Apply For a Mortgage Until You Do THESE Before buying a house, a potential homeowner is going to need to apply for a mortgage (unless, of course, they are able to pay in cash). And getting a mortgage can be a stressful experience, especially for a potential buyer who does not know what to…