Tis the season of giving, which often means it is also the season of spending.   The season of spending where retail companies win and personal bank accounts lose. The holidays are fueled with emotions, and when high emotions and money meet, people tend to overspend without having a real plan in place.   Since we’re  just a few short weeks from the Christmas holiday. It’s a little late for this advice, but not too late to implement it for next... [read more]

Most real estate experts would agree the first thing you should do when thinking of purchasing a home is to get pre-approved. Getting pre-approved and/or shopping for a home loan means getting your credit pulled. There’s no way around it. Your credit is pulled when you submit a rental application, buy a car, get a cell phone, or open a bank account. But I’m amazed by the number of people who don’t want their credit pulled when thinking of buying a home. Are you kidding... [read more]