What is the Opt-Out Pre-Screen and How to Opt-Out

Here at Treadstone, we understand your frustration when it comes to the process of pulling a client’s credit report. It’s disheartening to know that the three major credit bureaus have the legal right to sell your information to other companies. The same applies when you open a credit card or finance a new car. But…

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Why Your Property Taxes Go Up After Buying A Home

What are property taxes? When you own a property, you have the responsibility to pay property taxes based on the assessed value of your land and buildings. Property taxes are specific to each individual property and are not dependent on federal tax brackets or filing status. Real estate listings often provide the previous year’s property…

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Cash Out Home Equity for Debt Consolidation

A lot of folks believe that the main purpose of a mortgage refinance is to reduce your monthly payment. While it’s true that many people choose to refinance when interest rates dip below their current rate, the primary reason behind refinancing is actually to save money by combining your debts. Let me explain further: Imagine…

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Charity Spotlight: Ruff Start Rescue

Ruff Start Rescue strives for a world where every companion animal has a safe and loving home and their family has the knowledge and resources needed to give them the life they deserve. They made it our mission to do whatever they can to make that a reality for animals and their people who are…

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What is a Debt-to-Income Ratio?

The debt-to-income (DTI) ratio is a metric that measures the proportion of your monthly income dedicated to paying off debts. Lenders use this ratio to determine the mortgage amount you can afford. When you’re in the process of purchasing a home, your DTI ratio plays a crucial role in the evaluation of your mortgage application…

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