Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart January 3, 2025

Start the New Year with a Clean Slate

As we step into a new year, it’s the perfect time to focus on understanding and improving your credit score. Whether you’re planning to buy a home, refinance, or simply enhance your financial health, your credit score plays a pivotal role in shaping your opportunities.

Filed Under: Credit Scoring Tagged With: Credit Score Tips, Financial Health, New Year Goals

Emanuel Stewart December 12, 2024

The Differences Between Hard and Soft Credit Inquiries

Credit inquiries, also known as credit pulls or checks, are a standard part of assessing creditworthiness. However, not all credit inquiries are the same. They fall into two main categories: hard and soft credit inquiries.

Filed Under: Credit Scoring Tagged With: Credit Health, Financial Literacy, Hard Vs Soft Inquiries

Emanuel Stewart December 10, 2024

Will Refinancing Impact Your Credit?

Refinancing a mortgage can provide significant financial benefits, such as lowering your interest rate or accessing home equity. However, it’s important to understand how the process may temporarily affect your credit score.

Filed Under: Credit Scoring Tagged With: Credit Health, Mortgage Tips, Refinance Smart

Emanuel Stewart October 8, 2024

Consolidate Credit Card Debt with a Cash-Out Refinance

If you’re feeling overwhelmed by credit card debt, a cash-out refinance may be an effective way to manage it. This type of mortgage allows you to utilize your home’s equity to pay off high-interest credit cards, consolidating them into a single, lower-interest mortgage payment.

Filed Under: Credit Scoring Tagged With: Cash Out Refinance, Debt Consolidation, Home Equity

Emanuel Stewart October 4, 2024

How to Get a Mortgage Without a Credit Score

Getting a mortgage without a credit score may seem like a tough task, but it is possible. Many assume that a credit score is a must, but if you don’t have one, you can still pursue your dream of homeownership. Here’s how.

Filed Under: Credit Scoring Tagged With: FHA Loan, Mortgage Without Credit, No Credit Score

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