When considering the best time to buy or refinance, as well as what you can afford, looking at current mortgage rates is a helpful starting point. Of course, the final rate you receive will be based on several factors - so your next step is to get a customized rate quote.
A credit report is an organized list of the information related to your credit activity. Credit scores are the result of mathematical formulas that use the information in your credit report to calculate a value which suggests how likely you are to pay your bills in the future. Learn the five factors that determine every credit score.