Call Today! (734) 737-9600

Blog

29 Jan 2026
By Aadil Nathoo

Why Co-Signing a Car Loan Can Affect Your Mortgage Application

Home Buyer Tips, ,
Co-signing a car loan may seem like a small favor for a family member or friend, but many homebuyers do not realize how much it affects their own mortgage approval. Even if you never drive the car, never make a payment, and never see the vehicle, the loan becomes legally and financially tied to you. Understanding how co-signing affects your credit, your debt, and your loan options can help you protect your mortgage eligibility. Know How a Co-Signed Loan Shows Up on Your Credit ReportWhen you co-sign a car loan, the lender reports the account to the credit bureaus under…
Read More
28 Jan 2026
By Aadil Nathoo

Mortgage Tips for Recent Graduates Entering the Workforce

Mortgage Tips, ,
Starting your career is an exciting milestone, and for many recent graduates, the idea of becoming a homeowner feels closer than ever. While student loans, new job transitions, and building credit can make the mortgage process feel overwhelming, you have more options and advantages than you may realize. With the right preparation, you can move toward homeownership confidently and avoid common first-time buyer mistakes. Understand How Your New Income Plays a RoleLenders want to see stable and predictable income, and recent graduates often worry that a new job will make that difficult. The good news is that most lenders allow…
Read More
27 Jan 2026
By Aadil Nathoo

How to Qualify for a Mortgage With No Credit Score

Real Estate, ,
Understand What Having No Credit Score Really MeansHaving no credit score is not the same as having bad credit. Bad credit comes from late payments or high balances. No credit simply means you do not use credit often enough for the credit bureaus to generate a score. Lenders can work with this situation, but they need other ways to see your financial reliability. This is where non-traditional credit comes in. Build a Non-Traditional Credit ProfileWhen you do not have a traditional score, lenders look for consistent payment history in other areas. They may ask for twelve months of on-time payments…
Read More
26 Jan 2026
By Aadil Nathoo

What’s Ahead For Mortgage Rates This Week – January 26th, 2026

Financial Reports, ,
The Federal Reserve’s preferred inflation indicator — the Personal Consumption Expenditures (PCE) Index — released under delayed conditions, but it was within expectations. Next week will be another Federal Reserve Rate Decision, and it is expected that the Federal Reserve will reduce rates at least one more time. The optimism among the broader market has been showing that multiple sectors that seem unphased by the administrative decisions and current political climate.  PCE IndexThe PCE Index came in at 2.8% in November on an annualized basis. According to data from the Commerce Department, core PCE, which excludes food and energy, also…
Read More
23 Jan 2026
By Aadil Nathoo

Mortgages and Divorce: Keeping Your Home During Life’s Changes

Real Estate, ,
Divorce or separation is a challenging time, and amidst the emotional and logistical complexities, handling mortgage issues can add another layer of stress. For many couples, their home represents not just a financial investment but a symbol of stability and security. However, when relationships break down, decisions about homeownership become crucial. Here is some guidance on how to navigate mortgages during a divorce or separation. Communication is Key: Open and honest communication between partners is crucial when it comes to mortgage matters. Discuss your options openly and try to reach a consensus on what to do with the family home.…
Read More