Understanding Mortgage Credit Inquiries: What Really Happens When You Shop for a Loan
One of the most common questions we hear from clients is about how credit inquiries work when applying for a mortgage. The concern is understandable—no one wants their credit score damaged or their report flooded with unnecessary “hard pulls.” Most…
Vantage Spring 2025 Newsletter
MORTGAGE RATES, TARIFF NEWS, AND VOLATILITY WHEN IS IT A GOOD TIME TO REFINANCE?
Permanent Discount Points vs. Temporary Buydowns: Which is Right for You?
By Andy Harris, President of Vantage Mortgage Brokers When shopping for a mortgage, you may come across options to lower your interest rate either permanently or temporarily. These options, known as permanent discount points and temporary buydowns, can help reduce your monthly mortgage…
Creative Ways to Cut Expenses and Save for Your First Home
Buying your first home is a major milestone, but saving for a down payment can feel overwhelming—especially with rising home prices and living costs. The good news? You don’t have to live on ramen noodles or work three jobs to…
Buying a Home Around the Holidays: A Smart Move or Seasonal Stress?
By Andy Harris, President of Vantage Mortgage Brokers The holiday season is synonymous with joy, family gatherings, and festive cheer. But for some, it’s also the perfect time to make one of life’s biggest purchases: a home. While the…
Rent vs. Buy: Making the Right Choice for Your Lifestyle and Finances
By Andy Harris, President of Vantage Mortgage Brokers The age-old debate of renting versus buying a home is one of the most significant financial decisions many people face. Both options have their benefits and drawbacks, and the best choice often…
Why Is My Credit Score Different From My Mortgage Lender?
By Andy Harris, President of Vantage Mortgage Brokers Consumers today have access to more information than ever before. Financial education and access to credit profiles have helped consumers improve or maintain their credit ratings and scores, but not without confusion…