Down Payment Assistance Blog

Get the latest updates on down payment assistance in Arizona.

Is There Hope For My Credit After Bankruptcy?

Bankruptcy can be a great tool to use to help you get back on your feet financially. However, going through a bankruptcy can be a very traumatic event, both emotionally and financially. Your confidence in your ability to function financially may have been shaken and you may be wondering if there is any hope for […] READ MORE

Finding The Right Lender

Are you looking for your perfect match?  Most people are, but you would be amazed at how many people don’t take the time to find the right mortgage lender. When you buy a home, getting the right mortgage loan is just as important as the right house and finding a mortgage lender involves more than […] READ MORE

Home Inspection Contingencies

We understand that there’s a lot to learn before embarking on your home buying experience.  Before you buy a home, it’s important to make sure that it’s structurally sound and there are no major defects with the property. A professional home inspection isn’t always required unless it’s specified in the loan contract, but it can […] READ MORE

What’s Your Number?

Your credit score is an extremely important and valuable asset. It can be used to determine everything from your rates on a home loan to whether or not you are accepted for an apartment rental or an employment opportunity. So, what’s your credit score?  First, a credit score is a three-digit number between 300 and […] READ MORE

Ways to Beat the Summer Heat

When temperatures range from 110-116 degrees, keeping your home cool while trying not to break the bank seems like a futile battle.  Keeping your home cool during the warm months can take a big toll on your finances. Cooling costs can account for more than half of your power bill. Many new homeowners and house […] READ MORE

Equifax: Personal Data for 143 Million Americans Potentially Exposed

Equifax announced that 143 million users had their personal information compromised this year. Equifax said its systems were struck by a cyber security incident that allowed attackers access to names, Social Security numbers, birth dates, addresses and driver’s license numbers.  In addition, credit card numbers for about 209,000 U.S. customers were exposed as was “personal […] READ MORE

How Do Credit Inquiries Affect My Credit Score?

You have probably had people caution you that anytime someone checks your credit score it will negatively impact your credit. While this issue is more complicated than it seems, there is some truth to this advice. Your credit score is affected in part by the number of inquiries made into your credit history.  If you’re […] READ MORE

What You Need To Know — And Do — To Make The Mortgage Process Smooth

So you want to buy a home?  What do you need to know before you get keys?  As you shop for your dream home, key questions to ask yourself very early in your search include: Are my credit reports accurate, up-to-date and correct? What information will I need to gather to apply to finance my […] READ MORE

When to Use a Co-Signer on a Mortgage

Qualifying for a mortgage is likely going to be one the biggest financial hurdles in your lifetime.  If you have poor credit or are otherwise unable to meet a lender’s requirements to get a mortgage, then getting someone to co-sign your mortgage could be the way to go. If your mortgage lender allows non-occupant co-borrowers […] READ MORE

Cost Savings at Costco

As consumers, we are always (or should be) looking for ways to save a dime.  Many ways American families save money is to shop at a warehouse store.  Costco is one of the popular warehouse stores where you can buy nearly all of your essentials if you’re willing to buy a large quantity. If you […] READ MORE

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