Credit Education

Millennials get a bad rep. While the internet is busy circulating speculative articles about how the millennial generation is killing off napkins and fabric softener, members of that generation are just trying to scrounge enough money to keep up with increasing housing costs.

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Tired of renting? Perhaps it’s time to purchase your first home.

Exciting and scary at the same time, but the good news is that you don’t necessarily need a load of cash in the bank for a down payment. And not having a perfect credit score doesn’t mean you won’t qualify.

In fact, there are scores of first-time home buyer grants and programs to help you secure the funds/financing you need to purchase your first home.

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2018 is an exciting time to be moving. Housing markets across the country are booming and home-finder sites like Padmapper are ablaze with the prospect of the perfect rental. But leasing an apartment is no simple task; whether you’re a seasoned lease or new to the world of renting, here are 12 things to consider before crossing your t’s on dotting your i’s on your new digs.

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As renters across the country continue shelling out larger shares of their income to housing, rent affordability has become a hot-button issue in the U.S. But what exactly is considered affordable? The federal Department of Housing and Urban Development (HUD) considers an “affordable dwelling” as one that you can obtain for 30% or less of your income (ideally, less than 28%). On the other hand, individuals or households that devote more than 30% of their income to housing are considered to be cost-burdened.

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The housing market in the U.S. has experienced a major uptick over the past two years. In 2016, existing home sales were the strongest they’ve been since 2006. More than a decade after the worst housing crisis in U.S. history, it seems we’re finally in a sustainable recovery period. Read More