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Credit Score is Holding Back Many Millennials

first_img Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Credit Score is Holding Back Many Millennials The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Credit Score is Holding Back Many Millennials Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago Tagged with: Credit Scores First-Time Homebuyers Homeownership Millennials The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, News Previous: Counsel’s Corner: Here is What Smaller Title Companies are Up Against Next: DS News Webcast: Tuesday 4/26/2016center_img A common belief about millennials is that they continue to either rent or live with their parents because they are not interested in owning a home.A recent survey conducted by TransUnion, however, indicates that a lack of desire to become a homeowner may not be what is holding back millennials from the housing market. TransUnion found in a survey of 1,843 consumers conducted in March that 32 percent of millennials polled plan to buy a home in the next 12 months—but 43 percent of them have what would be considered a “subprime” credit score (between 300 and 600, according to VantageScore).“Credit scores are a crucial component of the home-buying process, impacting everything from the size of a mortgage payment to the interest rate on a home loan,” said Ken Chaplin, SVP for TransUnion. “People with subprime credit may face financial barriers to homeownership, making it difficult for their dream home to become a reality.”With credit scores that low, those who want to buy a home may not be able to qualify for a mortgage. Credit.com reported last September that borrowers whose mortgages closed in September had an average score of 723, and that was actually down from 732 the previous February. In September, some lenders were rejecting borrowers with scores as high as 694.Out of millennials surveyed by TransUnion, 47 percent of them said they were worried about having a low credit score, 59 percent said they were worried about not having enough money for a down payment, and 56 percent of them said they were concerned about not being able to qualify for a low interest rate.“People with subprime credit may face financial barriers to homeownership, making it difficult for their dream home to become a reality.”Ken Chaplin, SVP, TransUnionAmong other age groups surveyed, 17 percent of consumers ages 35 to 54 said they plan to buy a home within the next 12 months. The same share of that age category, 17 percent, had a super prime credit score, according to TransUnion. Only 6 percent of consumers aged 55 or older said they plan to buy a home in the next 12 months, but a much higher percentage (34 percent) had a super prime credit score.Homeowners of all ages should prepare well for the homebuying process by taking steps such as checking their credit reports at least three months before the process begins, planning early and keeping an eye on their credit score over time, and researching mortgage and interest rates to find a competitive offer.”The homebuying process begins well before you start looking for real estate,” said Chaplin. “A credit score, which significantly impacts the home financing process, is built on good spending habits and a pattern of responsible borrowing established over a lifetime.”  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago April 25, 2016 1,316 Views About Author: Brian Honea Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Credit Scores First-Time Homebuyers Homeownership Millennials 2016-04-25 Brian Honea Data Provider Black Knight to Acquire Top of Mind 2 days ago Subscribelast_img read more

HMS Iron Duke Expected in Jersey Today

first_imgBack to overview,Home naval-today HMS Iron Duke Expected in Jersey Today View post tag: JERSEY View post tag: Navy Authorities View post tag: HMS Iron Duke View post tag: News by topic May 8, 2015center_img Type 23 Frigate HMS Iron Duke will arrive in Jersey on Friday, May 8 for a five-day visit to commemorate the 70th Anniversary of the liberation of the Island from the German occupation forces of World War II.Arriving late on Friday, she will be berthed at RoRo Ferry Jetty, Elizabeth Harbour for the duration of her stay.On Saturday, May 9, members of the ship’s company will take part in a Liberation Grand Parade which will converge in Liberation Square and then proceed to People’s Park.HMS Iron Duke will be open to visitors on Sunday and Monday. The vessel will leave the Island on Tuesday, May 12.[mappress mapid=”15910″]Image: Royal Navy View post tag: Naval HMS Iron Duke Expected in Jersey Today View post tag: europe Share this articlelast_img read more

Afghanistan: Army Grows Stronger

first_imgBy Dialogo October 01, 2010 Just six months after activating the NATO Training Mission Afghanistan, a deputy commander announced that changes to the training program have produced marked improvements in the quality of troops entering the Afghan National Army. During the June 2010 U.S. Department of Defense Live Bloggers Roundtable, Army Brig. Gen. Gary Patton of the NATO Training Mission–Afghanistan discussed the results of the first 180-day assessment. Patton, who is also Deputy Commander for the Army Combined Security Transition Command–Afghanistan, highlighted remaining challenges, along with some significant achievements. “We now see an Army that is meeting its growth objectives and lowering its attrition rate,” Patton said. He said aggressive training plans are in place for 2011 to develop leaders, including up to 4,500 officers and 15,000 noncommissioned officers. For instance, he said, the NATO Training Mission is taking the top 150 recruits from every basic warrior training class and sending them directly into the noncommissioned officer training course. Patton also pledged that 2011 will be “the year of the enabler.” He said training programs will turn out specialists in military intelligence, military police, route clearance and engineering. All of these specialties will be critical to building a self-sustaining military.last_img read more