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Five Categories that Determine Your Credit Score
Want to buy a house, but you’re not sure if your credit score is high enough? Understanding credit can be confusing, but INHP can help. How credit scores work: If you’ve ever used a credit card or had a car loan, you have a credit history – a borrowing and repayment record that lets businesses…
Read MoreLearn Home Loan Lingo Fast with INHP
Buying a home for the first time – or even the hundredth time – can be intimidating. But once you learn the homebuying lingo, it’s much easier to make decisions that work best for your life and budget. Here are a few terms to get you started: Lender – a bank or other financial institution,…
Read MorePrep Your Home for Colder Months with Easy Fall Maintenance
Fall is in the air! Colder weather will be here before you can say “it’s pretty cold in here.” Preparing your home now for the colder months ahead could save you headaches, money and chattering teeth. Here are a few fall home maintenance tasks to complete: Shut Down Outdoor Faucets – Remove any hoses and…
Read MoreThree Tips for Buying a Home in Fall
While spring might be considered official homebuying season, there are good reasons for home shopping this fall. The first – and most timely – is the recent cut to interest rates by the Federal Reserve (the Fed) for the first time in four years. This is a huge win for homebuyers in terms of making…
Read MoreExploring Homeownership Shouldn’t Be Hard: INHP Switches to Soft Credit Pulls
INHP recently updated its registration process by eliminating the hard credit pull. Now, when you register with INHP, we will run a soft credit check for $35 to evaluate your financial status without negatively impacting your credit score. Why does INHP check your credit? Knowing your credit history will help us assess your financial situation…
Read MoreWhat Homebuyers MUST Know About New Real Estate Rules
“Who pays the agent?!” Starting August 17, 2024, groundbreaking new rules in the real estate industry changed how homebuyers pay and work with their agents. It will take time for homebuyers, sellers and their agents to adjust. In the meantime, it’s never been more important that homebuyers – especially first-time homebuyers – understand how to…
Read MoreBuy Smarter: Recognize and Avoid Predatory Lending
The process of buying a home can feel overwhelming, especially when it’s coupled with today’s high home prices. Before making such a significant purchase, it is essential to find home financing you can trust to be affordable and maintainable by recognizing and avoiding predatory lending. Predatory lending is any deceptive, unfair and fraudulent tactic used…
Read MoreThree Ways to Give Your Home’s Exterior a Summer Spruce-Up
Want to take advantage of the summer weather by tackling exterior home projects? Checking these DIY tasks off your list will help maintain your home’s exterior, while making your property look more inviting. Power Washing – A power washer can easily spray away the dirt, debris, mold and moss that have accumulated on your…
Read MoreUnderwriting Explained
If you’ve ever lent something to a friend, whether it was a hundred dollars or your copy of Harry Potter and the Sorcerer’s Stone, you know there’s always the risk that you won’t get it back. It’s not very different for lenders. Before a bank or other financial institution decides to lend you money…
Read MoreKeeping Up with Spring Home Maintenance
Indianapolis is no stranger to a fake spring or two – or what feels like 35 fake springs. But now that it’s May, regular warm weather should be here to stay for the next few months. If you haven’t started already, spring is the time to check off home-maintenance tasks and prepare your house for…
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