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Monthly Archives: April 2020

    How Owning a Home Affects Your Net Worth

    By The Gardner Group | April 27, 2020

    Many people plan to build their net worth by buying CDs or stocks, or just having a savings account. Recently, however, Economist Jonathan Eggleston and Survey Statistician Donald Hays, both of the U.S. Census Bureau, shared the biggest determinants of wealth, “The biggest determinants of household wealth [are] owning a home and having a retirement account.” (Shown in the graph below): This does... Read More

    What Credit Score Do You Really Need to Qualify for a Mortgage?

    By The Gardner Group | April 20, 2020

    While a recent announcement from CNBC shares that the average national FICO® score has reached an all-time high of 706, the good news for potential buyers is that you don’t need a score that high to qualify for a mortgage. Let’s unpack the credit score myth so you can to become a homeowner sooner than you may think.... Read More

    How Your Daily Starbucks Latte Adds Up to the Down Payment on a Home

    By The Gardner Group | April 13, 2020

    Some Highlights: The summertime latte is launching soon, so you may be tempted to spend your extra cash on a daily caffeine fix, but that small expense can add up to a big number – fast! Saving for a down payment takes a little discipline, so limiting your extra purchases (like a latte a day... Read More

    When to Hire a Pro for Home Improvement Projects

    By The Gardner Group | April 7, 2020

    Guest article written by Ray Flynn from It’s tempting to save money on home improvement by doing the work yourself. However, in many cases, you waste time and money if you don’t know exactly what you’re doing. Some projects require little skill, but others can be deceptively challenging — and even dangerous — if... Read More

    The Cost of Renting vs. Buying a Home

    By The Gardner Group | April 6, 2020

    Some Highlights: Historically, the choice between renting and buying a home has been a tough decision. Looking at the percentage of income needed to rent a median-priced home today (27.7%) vs. the percentage needed to buy a median-priced home (17.5%), the choice is clear. Every market is different. Before you renew your lease, find out if you... Read More