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We all have a FICO score, or at least anyone who has ever used credit does. Although you may be familiar with the concept of a credit score, do you really know what goes into coming up with a FICO score?

Your ability to get a mortgage depends on four primary factors: your credit history, financial capacity, available capital, and collateral.

Does buying a home seem like a far-off dream to you? If so, you’re not alone. In Oregon, a shortage of homes for sale has caused prices to climb and fueled intense competition in many areas, dissuading would-be buyers from entering the market. But

Rising home values have dropped a nice chunk of equity into many homeowners’ laps. Tapping into it with a home equity loan is easy. Deciding what to do with it? Not so much.