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What is debt-to-income ratio?

By mwilson@mortgageone.com | November 11, 2022 | 0 Comments
Dream-Home-450x450

Your debt-to-income (DTI) ratio is the percentage of your income that goes toward paying your monthly debts. DTI can often be overlooked as many people assume that a good credit score and a high income are the only two factors needed to be taken into consideration when seeking to purchase a home. However, for many…

MSHDA First-Time Home Buyer Assistance Programs

By mwilson@mortgageone.com | November 11, 2022 | 0 Comments
country-rd-house

If you’re a first-time home buyer, getting enough money for a down payment can seem like a major hurdle. But there’s good news! The Michigan State Housing Development Authority (MSHDA) has a program that helps home buyers afford their down payment by loaning them up to $10,000 towards it. This is what you need to…

What determines my mortgage interest rate?

By mwilson@mortgageone.com | November 11, 2022 | 0 Comments
Dog-Paw

In the quest for a home, one of the first questions a borrower asks is: What is the interest rate today? The answer often times has to do more with the borrower then the lender. Surprised? Here’s how borrowers can impact their interest rates. Credit Score: Lenders use your credit scores to predict how reliable…

Tips to Improve Your Credit Score

By mwilson@mortgageone.com | November 11, 2022 | 0 Comments
two-story-house

In today’s world, your credit score may be the most important number impacting your buying power. Can you purchase a home? Can you buy a car? Do you qualify for a credit card? Ask your credit score. Whether you’re in the red or in the green, your credit score is key. Here’s more about credit…

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