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Breaking a lease won’t appear on your credit report

American Express benefits and offers can be found on their website. Breaking a lease may occur due to job relocation or financial struggles. Unpaid debt from a broken lease can harm your credit if reported to a collection agency. To prevent this, pay termination fees and outstanding charges. Communicate with your landlord about financial hardships … Continued

Owner Financing: Buy Now, Pay Later!

Owner Financing Basics: It allows buyers to purchase a home directly from the seller with financing. When to Consider: Useful when traditional mortgage options are limited due to credit or property type.

How to get a mortgage with bad credit

Buying a house with bad credit is possible but may result in high mortgage rates. Those with scores above 580 could consider FHA loans or government-backed mortgages. Improve your chances of mortgage approval by increasing your credit score or saving for a larger down payment. First-time homebuyers have specific programs to help them qualify. Different … Continued

12 Unconventional Ways to Lower Your Mortgage Payment

Mortgages have increased, impacting monthly budgets. Ways to lower mortgage payments include making a bigger down payment, reducing homeowner’s insurance costs, recasting the mortgage, making bi-weekly payments, refinancing, getting a property tax assessment, negotiating a lower interest rate, downsizing, applying for a modification program, lengthening the loan term, renting out spare space, and paying mortgage … Continued

How to Buy a House With No Money Down

There are special government-backed loans, like VA loans and USDA loans, that require no down payment. You can leverage first-time homebuyer programs that offer grants or low-interest loans to cover the down payment.