Author: David B. Coulter

How Does the Mortgage Process Work?

The vast majority of home buyers purchase their dream home with financing, and that means applying for a mortgage. Don’t believe everything you’ve been warned about, however. The loan application process is more user-friendly, automated and transparent than many property novices are aware. Here are the key steps to address, and tips for getting ahead…

When and Why It Makes Sense to Refinance Your Home

With mortgage rates hovering at record lows, many homeowners find themselves asking the question: should I refinance my home? There are indeed several factors to consider and of course, no two situations are alike. You can perform this analysis yourself, or work with your personal banker or mortgage consultant to decide what works best for…

How Different Types of Bank Accounts Affects Your Credit Score

Most people know that opening a new credit card account or applying for a mortgage affects their credit score. But did you know that, while it’s rare and situational, opening and closing other accounts — like checking and savings accounts — can also impact your credit score? Once you know how different types of accounts…

The Money Advice You Shouldn’t Always Listen To

We’ve all heard it before — advice from so-called money experts that tell you what you should and shouldn’t be doing with your money. While some advice is certainly helpful in general, it’s important for people to get advice that can directly help with their current, unique situation and needs. And sometimes, it’s not what…