Financial IQ

Budgeting 50/30/20

The Golden Rule of Budgeting

Buying a home is a momentous and exciting investment, but it’s one that usually comes with anticipated sacrifices. Namely, budgeting. It can be an overwhelming learning experience if you don’t strategize properly. So, what is the best way to structure your saving and spending when you don’t have much experience in the world of personal […]

Credit Report EHM

Credit Report Got You Down? Big Changes May Bring a Boost This Summer.

Some big changes are on the way when it comes to your credit report– and they may just work in your favor! The three major credit bureaus – Experian, Equifax, and TransUnion – have come to an agreement with 31 state attorney generals to change the way they look at collections and how they affect […]

Budgeting Eagle Home Mortgage

Budgeting: Where to Start and How to Stay on Track

We all know that we should be budgeting, but how many of us actually do? According to studies, only one in three Americans. For many, creating a budget can seem overwhelming. With pop-up expenses and numerous categories to break down, it can seem almost impossible to nail down a consistent plan to stay within your […]

Escrow Mortgage Eagle Home

What is Escrow?

You may have heard of the term “escrow” and been aware that it’s a topic related to real estate. But for many people, that’s where their escrow expertise ends. If you remain unsure about what escrow is, read on to find out what it is and how it is used to help buyers and sellers […]

Procrastinating File Taxes

How to Quit Procrastinating and File Your Taxes

With the beginning of spring, also comes the end of tax season. While most have already completed filing their taxes, we know there are a few of you who are still not ready to think about income taxes. And maybe you’re hoping that it will all just go away…As Benjamin Franklin once wrote, “nothing can […]

How the Bipartisan Budget Act of 2018 Affects Your Tax Return*

Just in case you haven’t watched the news lately, the Senate finally made a bipartisan, long-term budget deal on February 9, 2018. Basically, the government shut down and went MIA for a little while because Congress couldn’t agree on some key budget items. The Senate finally had a meeting of the minds and surprised everyone […]

Couple Credit Score FICO Vantage

What’s the Difference Between FICO and VantageScore?

When you fill out a loan application, the lender will pull your credit to determine whether they should lend you money or not depending on your credit score. The score you receive will most likely come from FICO or their competitor VantageScore. So are these two credit scores the same? Not exactly. FICO The majority […]

Happy Couple in Home

‘Til Debt Do Us Part: How to Discuss Finances with Your Partner

Are you ready to take your relationship to the next level, for richer or for poorer?  It may be time to discuss your finances with your partner. It isn’t the most romantic advice, but to avoid relationship problems down the road it is important to have “the talk” before things start getting more serious.   […]

Home Energy Costs

How to Cut Energy Costs

You know it already—owning a home is expensive. Bills piling up every month can really stress a person out. Don’t let them. Starting energy saving habits and making some small changes in your home can make a real difference in your utility bills and ease the financial burden of homeownership.   Heating and Cooling Heating […]

Steps to Saving Down Payment

6 Steps to Start Saving for Your Down Payment

Thinking about buying a home, but having trouble saving for the down payment? If you are struggling with saving for your down payment, you are not alone. According to a study by Zillow, saving for a down payment was the top hurdle towards homeownership for more than two-thirds of renters, beating out mortgage approval and […]