Question 1

What credit score do I need for a mortgage?

Accepted Answer

Minimum credit scores vary by loan type: FHA loans accept 580+, VA and USDA loans typically require 620+, and conventional loans usually need 620-640+. However, higher scores (740+) secure the best interest rates. Lenders also consider your income, debt-to-income ratio, employment history, and down payment size when evaluating your application.

Question 2

How do I read a credit card statement?

Accepted Answer

To read your credit card statement: check your statement balance (total owed), note the payment due date and minimum payment, review all transactions for accuracy, look at fees and interest charges, check your credit limit and available credit, and verify your rewards or points earned. Pay attention to the grace period to avoid interest.

Question 3

What is a Health Savings Account (HSA)?

Accepted Answer

An HSA is a tax-advantaged account for medical expenses, available with high-deductible health plans. Contributions are tax-deductible, earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free. Funds roll over annually.

Question 4

What is the difference between ACH and recurring card payments?

Accepted Answer

ACH pulls funds directly from your bank account with lower fees, used for mortgages and utilities. Recurring card payments charge your credit/debit card, offering more protection and easier disputes but higher merchant fees.

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Frequently Asked Questions

What credit score do I need for a mortgage?

How do I read a credit card statement?

What is a Health Savings Account (HSA)?

What is the difference between ACH and recurring card payments?

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