Jennifer Larson

On the Blog

This is your one stop destination for money and savings, credit score tips, real estate, lending advice, and more. If it’s finance and helps you buy a house, it’s here!

  • Making the Dream Happen When it Feels Impossible

    We all know the complications of buying in a market with 7% average interest rates, inflation on gas and groceries, and home prices not coming down as much as expected. Millions of Americans feel they’ll never qualify for a home; or at least for the foreseeable future, because they can’t qualify at these rates and…

  • How to Time Your Credit Score

    Every month your creditors report to the three bureaus and when they report is the key 🔑 to your best score. How do you time your score to when it’s reporting? The key to your score is the statement date and playing to the metrics your score is evaluated by as it peaks at the…

  • How to Afford the Home You Want

    When I first started buying real estate, I couldn’t afford the house I wanted so I bought the condo I could live with for a few years. It was 1700sq ft and it worked for 8 years. We had three kids when we sold for a huge profit. Buy and Hold is the holy grail…

  • Break Up With Your Bank

    What’s wrong with your bank account? It’s cheating you! Your standard checking and savings accounts at Bank of America and Wells Fargo aren’t paying you more than a penny or two for every $100 while a high yield savings account HYSA at banks such as: SoFi, Ally, UFB Direct, Marcus by Goldman Sachs, Capital One,…

  • What Do I Need to Apply for a Mortgage?

    You need all of your current financial documents and you must fill in a complete Uniform Residential Loan Application URLA 1003 form through your trusted lender. Almost every loan requires this application and an MLO cannot process anything without it first. This is what I use to pull a customer’s credit and get all of…

  • Working Towards an 800 Credit Score

    Nowadays, many loans are best geared for buyers with an 800 credit score or more if you’re looking for the best rates and programs. FHA and lower-down Conventional loans are certainly attainable for buyers not even at 700. Still, they’re also more expensive because of higher rates and additional PMI costs upfront that are paid…

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