What Are Discount Points—and Should You Use Them?
Heard the term "discount points" but not sure what it actually means? Here’s a simple breakdown of when it makes sense—and when it might not.
Do You Get Taxed on Gifted Down Payments?
Worried about taxes on that generous gift from your parents? Let’s break down what actually happens when you receive gift money for a down payment.
Medical Debt Is Off Your Credit Report—What That Means
Big credit news! Medical debt is officially off credit reports—here’s how it could impact your score and your ability to buy a home.
Homeowners Insurance & Closing Costs: What to Expect
Homeowners insurance is part of your monthly mortgage—but did you know you’ll need to pay for a full year upfront at closing? Here’s why.
Are Online Interest Rates Too Good to Be True?
Not all online rates are what they seem. Learn how discount points can impact your mortgage costs before you commit.
How Does Credit Card Usage Impact Credit Score?
One thing we wish homebuyers knew regarding credit score and credit card usage.
Why Cream City Mortgage vs. a Bank?
Wondering if you should work with a boutique mortgage brokerage instead of a bank? Below are 3 big differences between Cream City Mortgage and your large-scale bank.
3 Simple Steps to Purchasing A Home
If purchasing a new house is a goal of yours this year, we can help you achieve it. Here are 3 simple steps to begin the process of purchasing a home.
What is a Pre-Approval & Why Is It Needed?
Many lenders claim that if you’re not pre-approved for a mortgage, you don’t stand a chance in the housing market. What does that mean?
Buyers Checklist: What To Bring To The Closing Table
Congratulations! You found your dream home and have an accepted offer. You’re ready to close on the home and finalize the mortgage loan that finances your home.