Emanuel Stewart - Reliant Home Lending

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Emanuel Stewart July 17, 2024

Hard Inquiry vs. Soft Inquiry — What’s the Difference?

Most people know that your credit score can drop if you miss a payment or have a new collection filed against you. But how about when you apply for new credit? Yes, a credit application will trigger a “hard inquiry” on your report, which can have an impact on your credit score. Here’s what to know about hard inquiries, and how they compare with “soft inquiries.”

Filed Under: Credit Scoring Tagged With: Credit Score, Credit Tips, Hard Inquiry

Emanuel Stewart May 21, 2024

Unlocking Lower Mortgage Rates By Boosting Your Credit Score

The interest rate you qualify for when securing a mortgage can make a huge difference in your financial journey. The good news is, that by understanding how credit scores impact mortgage rates and implementing strategic steps to boost your score, you can potentially unlock lower rates and save thousands of dollars over the life of your loan.

Filed Under: Credit Scoring Tagged With: Credit Score, Mortgage, Mortgage Rates

Emanuel Stewart March 1, 2024

Understanding Debt-to-Income Ratio: A Key Factor in Mortgage Approval

When it comes to securing a mortgage for your dream home, there’s a crucial number that can make or break your application: your debt-to-income ratio (DTI).

Filed Under: Credit Scoring Tagged With: Credit Score, Debt to Income, Mortgage

Emanuel Stewart November 14, 2023

Speed Your Mortgage Approval up by Following This Checklist

Being unprepared and not having your finances in order will make it even more stressful. Here are a few quick ways if you’re looking to speed up your mortgage approval process, here’s a checklist to help you prepare.

Filed Under: Mortgage Application Tagged With: Credit Score, Mortgage, Mortgage Approval

Emanuel Stewart November 2, 2023 Leave a Comment

Will Getting a Mortgage Help My Credit Score?

Getting a mortgage can potentially help your credit score, as long as you make your payments on time and in full each month. Payment history is one of the most important factors that influence your credit score, so consistently making your mortgage payments on time can have a positive impact on your credit score over […]

Filed Under: Credit, Homeowner Tips Tagged With: Credit Score, Home Mortgage Tips, Mortgage Applications

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