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Mortgage Insights By Tony Tehfe, NMLS #1177864 & Jorge Diaz, NMLS #2693808 | Licensed NJ Realtor® (Ref #2446881) Mortgage rates jumped to 6.4% recently — the highest in five months — and the question we hear from buyers every single day is the same: "Should I wait to buy a house until rates come down?" It's a fair question. Headlines about rate spikes, economic uncertainty, and global tensions make anyone nervous about taking on a mortgage. But after talking to hundreds of bu

You Are Not Your Credit Score By Tony Tehfe, NMLS #1177864 & Jorge Diaz, NMLS #2693808 | Licensed NJ Realtor® (Ref #2446881) What is a Credit Score? A credit score is a three-digit number (typically 300–850) that lenders use to predict repayment likelihood, calculated from your credit report's history of bills, debts, and credit usage. It is the gatekeeper to your financial opportunities. 1. Pay Off High Balances First When improving your score, strategy matters. If you have