Ray MartinJul 14 min readBuying a HouseHow Is Your Credit Score Calculated?Understanding the factors the credit bureau uses to determine your credit score can help you figure out where you can actually improve...
Ray MartinJun 155 min readNice-To-KnowThe Shift in the Housing Market: The Impact of Increasing Mortgage-Free Homeownership!The housing market is experiencing a remarkable shift. A record number of homeowners now owning their homes outright. What does this mean?
Ray MartinApr 144 min readHomeownersWhen You Are Underwater on Your Mortgage!Underwater in a mortgage? Here is what you want to know...