Unravel the complexities of buying or refinancing a home with this comprehensive guide. From finding a mortgage lender, understanding the nuances between purchase and refinance loans, to familiarizing with the detailed steps in the mortgage process, this resource empowers you to navigate the mortgage journey confidently and efficiently. ...

Women are reshaping the real estate market, and Crosscountry Mortgage stands alongside them, empowering their homeownership dreams. With increasing education, financial empowerment, and changing gender roles, women now wield significant purchasing power. In 2021, single women accounted for a notable 15.7 percent of all home purchases, surpassing single men. Moreover, the number of households led by women has surged, with women now heading approximately half of all households. As women's educational attainment and earning potential continue to rise, Crosscountry Mortgage recognizes the need for representation and opportunity. With their commitment to empowering women in the real estate landscape, Crosscountry Mortgage paves the way for a more inclusive industry where women can thrive and lead. ...

From shattering industry norms to making homeownership dreams a reality for more women, CCM has continuously championed female empowerment since its inception in 2003. With 53% of our workforce being women, we are steadfast in our commitment to fostering gender equality. Join us as we reflect on our journey and celebrate the influence of women in homeownership and the mortgage industry. ...

The introduction of FICO's new scoring model has triggered substantial changes in credit scoring, impacting millions of consumers. This updated system has introduced FICO 10T, a score that assesses up to 30 months of prior credit information to forecast consumer behavior. As consumer debt levels continue to rise, FICO 10T could offer a more comprehensive perspective of an individual's financial health. It's essential to understand these changes as they can significantly affect your financial future. Stay informed about your credit score and navigate these changes successfully. ...

Are you dreaming of retiring early and enjoying financial freedom? The COVID-19 pandemic has reshaped the way we think about work and long-term financial planning, prompting many to consider early retirement. Factors like downsizing, health concerns, and the desire for more leisure time have contributed to a significant increase in the number of retirees. With the right strategies, adequate resources, and prudent spending habits, achieving your long-term financial goals is within reach, whether you plan to retire tomorrow or in the coming years. In this comprehensive guide, we'll walk you through five simple steps to help you prepare for early retirement. From assessing pension and Social Security benefits to creating a post-retirement budget, reassessing spending habits, and prioritizing health insurance, we've got you covered. Take charge of your financial future and embark on the path to early retirement success. ...

Enhance the accessibility and safety of your home to create a comfortable living space for individuals with disabilities. Approximately 15 percent of the world's population faces some form of disability, and older homes may lack the necessary accommodations. Fortunately, there are simple methods to improve accessibility and transform your home into a handicap-friendly environment. From exterior modifications to bathroom and kitchen updates, this article provides valuable insights and considerations for making your home more accessible. Consult with professionals for tasks that require expertise, and ensure your living space meets the needs of individuals with disabilities. ...