Miniature House and Money.

Choosing a Down Payment Option

If you are in the market for a new home, one of the first things you should consider financially is how much of a down payment you can make. Most home buyers know that the most common mortgage loan (a Conventional loan) requires 20% down payment. This means that if you purchase a home worth […]

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Paper Stars

12 Days of Holiday Crafts – Day #11: Paper Stars. For Northern Europe and Scandinavia, the holidays mean paper stars and paper star lanterns are brought out and displayed on windows. Following this tutorial from Me and My DIY, we created paper stars to bring some of that Scandinavian tradition to your home. Materials Needed: […]

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Holiday Wood Centerpiece

12 Days of Holiday Crafts – Day #9: Holiday Wood Centerpiece. Anyone that is hosting a holiday get-together knows the importance of having a beautiful table centerpiece. But since each household has a different color scheme (and some people even do different holiday palettes every year), we thought it would be best to do a […]

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Snowmen Blocks

12 Days of Holiday Crafts – Day #7: DIY Snowman Blocks. Do you want to bring the outdoor in without all the mess and cold? These adorable wooden block snowmen, inspired by the Homedit blog, are almost as good as the real thing! You Will Need: (1) 4x4x8 piece of lumber cut into 3 different […]

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Happy Holidays Mat

12 Days of Holiday Crafts – Day #6: Holiday Mat. Show your guests your holiday spirit! This “Happy Holidays” Doormat, inspired by this Lia Griffith tutorial, is the perfect way to welcome friends and family members into your home this holiday season. You Will Need: Doormat of your choice Vinyl “Happy Holidays” decals (make yourself […]

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DIY Holiday Mesh Wreath - by NFM Lending

DIY Holiday Mesh Wreath

12 Days of Holiday Crafts – Day #4: Holiday Mesh Wreath. A great way to add curb appeal to a home, especially in the holidays, is to dress up your entryway. The easiest way to do this is to hang a wreath on your front door. Not only will it bring out the colors of […]

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DIY Sweater Pillows

12 Days of Holiday Crafts – Day #2: DIY Sweater Pillows. If you live in a part of the country (or the world) where winter hits you with cold and snow, then you probably associate it with wearing big comfy sweaters. It seems to be a staple of the holiday season to have sweater pillows […]

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The Differences between Credit Report and Credit Score

The Difference between Credit Report and Credit Score

One of our previous blogs on credit scores, Understanding Your Credit Score, talked about the factors used to calculate FICO scores (the most widely used scoring system). However, the blog did not go into detail on what a credit score is or the difference between credit report and credit score. The two are not only […]

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Understanding Your Credit Score

Your credit score is the numerical value assigned based on the information on your credit report. Credit-reporting bureaus use complex and proprietary algorithms to calculate these, but the most widely used are FICO scores. FICO scores can range from 300 to 850, and they give potential lenders an idea of how much of a financial […]

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