Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart March 26, 2025

The Difference Between FICO Score and Credit Score: How It Affects Your Mortgage and Rates

When applying for a mortgage, your creditworthiness plays a significant role in determining your loan approval and interest rates. Two commonly referenced terms are FICO score and credit score, which are often used interchangeably but have distinct differences.

Filed Under: Mortgage Tagged With: Credit Score, Home Buying, Mortgage Rates

Emanuel Stewart February 21, 2025

How Do Mortgage Lenders Decide How Much You Can Borrow?

When buying a home, one of the most critical factors is determining how much you can borrow through a mortgage. Lenders evaluate multiple financial aspects to assess your borrowing capacity.

Filed Under: Home Mortgages Tagged With: Credit Score, Home Buying, Mortgage Tips

Emanuel Stewart February 13, 2025

How Obtaining a Mortgage Can Impact Your Credit Score

When considering homeownership, many potential buyers wonder: Will getting a mortgage help my credit score? The answer is yes–if managed correctly. A mortgage is a major financial commitment, but it can also be a powerful tool for building and maintaining strong credit. Here’s how a mortgage can affect your credit score and what you should keep in mind.

Filed Under: Home Buyer Tips Tagged With: Credit Score, Home Buying Tips, Mortgage Tips

Emanuel Stewart November 29, 2024

What You Can Do Now to Prepare for Mortgage Rate Drops

As we move into the last month of 2024, many potential homebuyers are eagerly awaiting a drop in mortgage rates. With inflation numbers looking promising, there’s hope that the Federal Reserve will lower the federal funds rate, which typically drives mortgage rates down as well. If you’re planning to buy a home or refinance when rates drop, now is the perfect time to start preparing.

Filed Under: Mortgage Rates Tagged With: Credit Score, Home Buying Tips, Mortgage Preparation

Emanuel Stewart October 2, 2024

Steps to Take Now to Build Your Credit for a Home Purchase Next Year

If you’re thinking about buying a new home next year, there’s one important factor to consider before you start browsing listings–your credit score. A strong credit score can make a huge difference in the interest rates you will qualify for and can also determine your mortgage approval.

Filed Under: Credit Scoring Tagged With: Credit Score, Credit Tips, Mortgage Ready

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