Mortgage

Actually Getting a Mortgage With no Credit Score

Earlier this year I wrote about the hypothetical process of getting a mortgage with no credit score. Now that we have lived through that process, and have finally closed on selling our old house, I want to document what it actually looked like. I hope someone out there went through this process recently and can say they had a better experience. Maybe there was a …

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Pausing the Baby Steps for a Baby

I started writing this back in 2015 when we still had a balance on our mortgage, but for some reason never hit the “Publish” button. Back then we had a refinanced mortgage of $120,000 that we were aiming to pay off before 2020. Around 2015, our monthly interest payment was somewhere around $300. We ended up having no surprises with the birth of #4, so …

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Home Mortgage Tax Deduction – Part 1 : Intro

Have you ever had a moment where you realized that something the majority of the population hold as true was actually a bad idea? You believed that idea for many years, and those telling you seemed to have good data to back their claim, so you just ran with it? But, after having someone sit down with you and show the numbers, you realized that …

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