UHM Resource Center

  Good credit is an important tool for financial health. Protect yourself from things like fraud, identity theft or bad money habits that could bring it down. If you’re reading this article, you probably know how important healthy credit is to your..


Most Recent Blog Posts

What’s the Best Time of the Month to Close on a House?

There are many options to consider in choosing your closing date, but there are 3 main choices that impact the timing of your first monthly payment and how much you will pay in closing costs on the closing date.

What Do Buyers and Sellers Pay in Closing Costs?

In the end, it is inevitable that buyers and sellers both must pay closing costs.

What is Cash-Out Refinance and How Does It Work?

Cash-out refinancing allows you to take advantage of your home’s equity by paying off your current mortgage and replacing it with a new, higher mortgage balance.

Why Buying a Home at the End of the Year Will Pay Off

If you are looking to score the best deal on your potential home, your best bet is to buy during the colder months.

5 Ways Prequalification Makes You a More Powerful Homebuyer | UHM Blog

Learn why this letter can make or break your home-buying goals — and help your offer stand out.

How to Save for a Down Payment

Follow 4 steps for saving that are so simple — they're automatic.

Where to Start in the Mortgage Process?

What you need to get started!

Understanding Your FICO Score

FICO scores can range from 300 to 850, and the higher the score the better.

Why Owning a Home is a Better Investment than Renting

Owning a home is a great long-term investment.  If it’s time for you to get a place of your own, purchasing a home can be one of...

Buying a New Home vs. Building

If you’re debating whether to buy or build, check out our list of pros and cons below to help make your decision.

Discover Your Mortgage Options

If you’re thinking of buying a home or refinancing, we’re here to help. Start the loan process from right where you are.