Advertiser Disclosure

Home Buyer Creator may earn a commission if you sign up for a service through links on this site, at no extra cost to you.

Specifically: some pages contain affiliate links to credit monitoring services such as SmartCredit. If you click one of those links and sign up, the service pays us a referral commission. The price you pay is the same whether you use our link or go to the service directly.

What this does and doesn't affect

• Every page that contains an affiliate link carries a visible disclosure on that page.
• Affiliate relationships do not change the factual content of our guides. Program rules (FHA minimums, conventional cutoffs, your rights under ECOA and FCRA) are what they are regardless of who sponsors what.
• We do not sell your information to lead buyers, and we do not publish paid rankings.
• We never promise specific credit score outcomes. No legitimate company can.

This site is educational content, not legal, tax, or financial advice. For advice on your specific situation, consult a licensed loan officer, a HUD-approved housing counselor, or an attorney.

Questions: team@mastodonmarketing.com