Tools, Tips, and Treats

Aren't sure if you are financially ready to buy a house? Have a few things on your credit that need addressed to get a mortgage? Want to learn about how to prepare for the future? Not sure how to handle you student loan debt? GreenPath Financial Wellness is a nationally recognized non-profit housing and credit counseling agency based in Farmington Hills, MI. They have been helping people get out of debt and onto a path to financial freedom since 1961. There counselors and staff can help you put together a plan to be financially ready for your next home.

Have you found that perfect house, but are not sure how much to add per month for your taxes? Are you considering moving somewhere because you want lower taxes? If you have had either of these questions, or are simply curious about what the taxes are like in a different town, check out this property tax estimator provided by the Michigan Department of the Treasury. It is a helpful tool to get you prepared for you next step in home ownership.

NOTE: Your home's State Equalized Value (SEV) is approximately half of the current market value of property.

Check out this article about how to pay down your mortgage and other debts faster, and how to potentially save thousands in interest payments.

Want $7500 in down payment assistance? Take a look at this website run by the state of Michigan to see if you are eligible.

Are you afraid that your past credit is going to affect your ability to get a mortgage? Are you concerned that someone has stolen your identity, but you don't know how to find out? Are you simply curious as to what the credit bureaus might be reporting? If you said yes to any of these, check out AnnualCreditReport.com. At this website you can pull a copy of your credit report from all three of the main credit bureaus (TransUnion, Equifax, and Experian) for FREE once a year. You are able to see who has looked at your credit, what creditors are reporting to the credit bureaus, and even dispute items that should not be on your report.

If you are looking for the right mortgage for you, but are not ready to apply for one just yet, check out Bankrate.com. At this site, you can compare different companies to see what would be the best mortgage or loan for you without risking lowering your credit score. You can compare interest rates, closing costs, and other costs with a few simple search options. Not every mortgage company is on Bankrate.com (most credit unions are not), but it can be a great place to start when determining what will be best for you.