In today’s world, lenders use many different types of credit scoring models. There are virtually hundreds of different models out there for lenders to choose from. Many lenders continue to use conventional models that don’t provide a score for millions of consumers. That often puts younger borrowers such as millennials at a disadvantage. Millennials are less likely to have long credit histories, and they may only have one or two credit accounts. Because young adults today carry more Continue Reading ...

Investing in a house is a major life decision. It is the sort of investment which could make or break you. Once you register those final dotted lines, then you would like the moderate certainty that you are making the right choice. The house you've recently seen has everything you can possibly want. It's the right size; it has the ideal layout and can be in the right location. You've already thought about the various modifications and renovations you want to do. Before you proceed further, Continue Reading ...

Moving is an exciting time as you look forward to settling into your new home sweet home. However, it's also a stressful time as you try to move your belongings from one place to another, as well as set up all the services you need, such as mail, cable, and internet. Before you get stressed, take a deep breath and know that in a few simple steps, you can save time while making your move easier. Here are some top tips and tricks to take the stress out of moving so you can look forward to Continue Reading ...

If you’re considering a home warranty plan, you are probably doing your due diligence — as you should — on how they work, who the different providers are and what to expect from the experience. This article is meant to help you understand home warranty plans, as well as separate fact from fiction. Go the extra mile to protect your home Myth: “I don’t need a home warranty plan because I have home insurance.” Investing money, time and love into a place to call home can be scary, Continue Reading ...

It’s home improvement season, which means you’re probably dreaming of enhancements to make your space more livable and to enhance property value. Adding a bathroom is a great way to do both, but for many people, concrete poses a potential problem. Want to add a bathroom to your garage? How about adding a powder room in the basement? A bathroom addition means you need proper plumbing, and often in these types of spaces, none exists. You simply have a cold concrete slab and a bit of a Continue Reading ...

When the temperatures start going up, so do your energy bills. If you’re looking for ways to save energy and keep your house cooler at the same time, there are a number of strategies you can use that will save you money and make you and your family more comfortable all summer long. 1. Get smart about air conditioning Cool your home using the latest smart technology. LG Electronics’ smart window and portable room air conditioners are a great option to beat the summer heat, as they deliver Continue Reading ...