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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…
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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…
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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…
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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.…
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22 Jan 2026
By Aadil Nathoo

Homeowners in Financial Distress: Mortgage Forbearance and Loan Modification

Home Mortgage, ,
In times of financial hardship, such as job loss, medical emergencies, or economic downturns, homeowners may find it challenging to keep up with their mortgage payments. When facing such difficulties, understanding options like mortgage forbearance and loan modification can be crucial for maintaining stability and avoiding foreclosure. Let's discuss what homeowners need to know about mortgage forbearance and loan modification, including their differences, implications, and how to navigate these options effectively. Understanding Mortgage Forbearance Mortgage forbearance is a temporary pause or reduction in mortgage payments granted by the lender to borrowers facing financial hardship. During forbearance, the borrower is allowed…
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