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Posts By: Ana Cruz (8 posts)

  • July 4, 2018
  • Posted by Ana Cruz

Sometimes it take a village

Sometimes it takes a village, this seems to be the theme of 2018. With the new stress test imposed in January 2018, the increase in the qualifying rate and interest rates in general, we have seen tha

  • March 7, 2018
  • Posted by Ana Cruz

How can I increase my credit score?

Five credit habits that can boost your score    Your credit score is essentially your passport to financial opportunities. With a possible range of 300 to 900, your score tells lender

  • February 11, 2018
  • Posted by Ana Cruz

What documents do you need?

  Are you looking for a pre-approval or an approval? This is where you will find the difference between pre-approvals and approvals as well as a list of documents required for each.   Wha

  • February 6, 2018
  • Posted by Ana Cruz

Understanding Your Payment Frequency

I can pretty much guarantee you each week I have a client ask me a question such as  'Why should I pay my mortgage bi-weekly vs accelrated bi-weekly” or 'Why should I pay my mortgage mo

  • January 29, 2018
  • Posted by Ana Cruz

Welcome Home Card

It’s not often I will advise my clients to add another credit card to their wallet, so why write about credit cards?  First, let me start by saying, that it's important to handle credit re

  • January 25, 2018
  • Posted by Ana Cruz

Variable or Fixed? What should I do?

The sky is falling, the sky is falling, or at least that seems to be what most people were thinking last week.   It seems we have all gotten used to historically low interest rates and there

  • January 9, 2018
  • Posted by Ana Cruz

What do budgeting and dieting have in common?

For most people one of these two will make it onto their new years resolution list. Whether its saving for a vacation, retirement, paying off your credit cards or mortgages, eating healthy, start exer

  • November 16, 2017
  • Posted by Ana Cruz

Purchase or refinance now before rules change in January

If you’re looking to buy and will have more than 20 percent down, or if you are considering refinancing, then you might want to do so before January 1, 2018. Why? On October 17, the Office of th