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nathan@advancedfunding.com
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Nathan Pierce

Loan Officer

NMLS ID 12920

801-272-0600 nathan@advancedfunding.com

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When Should I Check My Credit Report?

Your credit report is a very important document. Your credit score will be used in all sorts of weighty financial purchases. Checking your credit periodically is essential to maintaining a healthy score and being able to qualify for big loans. How often is periodical? Are there other times when it is important to check your report? You may have heard that you can pull your own credit report for free once a year from all three of the major credit reporting bureaus. These are Experian, Equifax, and TransUnion. Each collects data on your credit individually which means each agency ma...

December 29th, 2018 | Credit and Debt, When Should I Check My Credit Report?

Understanding Your Credit Score

Your credit score can impact you in a number of different ways. It will affect the interest rate you pay on your mortgage, your insurance premiums, as well as the cost of consumer loans. Having a clear understanding of credit scores and knowing how to achieve the highest rating possible can help save you tens of thousands of dollars in the long run.   A credit score is a number that helps lenders determine how likely you are to make your proposed monthly payments on time.   A FICO score on a mortgage credit report will range from 300-850, and is made up of the following: &...

October 30th, 2018 | Mortgage Basics, Credit and Debt, Understanding Your Credit Score

Should I Roll My Student Loans into My Mortgage?

Americans owe more today in student loans than ever before and student debt is continuing to rise. As these borrowers start into their careers and become homeowners, they may have the opportunity to consolidate their student loan debts with their home loan. If this sounds intriguing to you, here’s what you need to know before talking to your mortgage broker:   How Does Consolidation Work? If you have enough equity in your home, you can refinance to pull cash out and pay off all your student loans. This means that both debts will now all be paid off together through your month...

September 26th, 2018 | Refinance, Credit and Debt, Saving Money, Should I Roll My Student Loans into My Mortgage?

Rebuilding Your Credit and Buying a Home

Have you faced some financial difficulties in recent years but still want to buy a home with a mortgage in Utah? Here are some tips: Order your credit report. Under federal law, you are entitled to one free credit report each year from all three credit-reporting bureaus: Experian, Equifax, and Trans Union. Simply go to Annualcreditreport.com to request your free copy, which you can access within minutes online or elect to have it mailed to you. Your credit report details your payment history – the good and the bad. Be sure to check for any errors and report any inaccuracies....

March 31st, 2015 | Credit and Debt, Home Buying or Selling, First-time Homebuyers, Rebuilding Your Credit and Buying a Home

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