Tips on How to Improve Your Credit Score

Hey folks, it's time to get real about your credit score. If you're anything like me, you probably don't pay much attention to it until it's time to apply for a loan or credit card. But did you know that your credit score can make or break your ability to obtain a mortgage loan?

When you apply for a mortgage loan, lenders take a close look at your credit score and credit history. They want to know if you're a responsible borrower who will pay back the loan on time and in full. A good credit score can help you qualify for a mortgage loan with a lower interest rate and better terms, while a poor credit score can make it more difficult to get approved and result in higher interest rates and less favorable terms.

In short, your credit score is one of the most important factors that lenders consider when deciding whether to approve you for a mortgage loan. By taking steps to improve your credit score, you can increase your chances of getting approved for a loan with better terms and save yourself thousands of dollars in the process.

1. Check your credit report regularly

This is a no-brainer, but it's worth repeating. Make sure to check your credit report for any errors or fraudulent activity. You can get a free credit report from each of the three major credit bureaus every year, so take advantage of it.

2. Pay your bills on time

This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.

3. Lower your credit utilization ratio

Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.

1. Check your credit report regularly

2. Pay your bills

on time

This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.

3. Lower your credit utilization ratio

Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.

4. Increase your credit limit

If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.

5. Diversify your credit

Having a mix of credit types (like a credit card, auto loan, and mortgage) can improve your credit score. But don't open new accounts just to add diversity - only take on credit that you actually need and can handle responsibly.

4. Increase your

credit limit

If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.

5. Diversify your credit

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🏢 Commercial Real Estate in 2026: More Buyers, Smarter Leverage, Better Deals

📈 2026 CRE Buying Activity Is Back — Why Disciplined Investors Are Re-Entering the Market

Bill Rapp, Commercial Mortgage Broker

January 31, 2026•3 min read

📈 2026 CRE Buying Activity Is Back — Why Disciplined Investors Are Re-Entering the Market

🏢 Commercial Real Estate in 2026: More Buyers, Smarter Leverage, Better Deals

2026 to See Increased CRE Buying Activity: A Disciplined Reset, Not a Speculative Boom

Commercial real estate is entering a new phase in 2026—and the signal is clear: investors are buying again. But this cycle looks very different from the excess-driven expansion of the past decade. Today’s activity is defined by pricing discipline, conservative leverage, and durable cash flow, not aggressive assumptions.

For borrowers, developers, and investors, this environment creates opportunity—but only if capital is structured correctly.

Investor Confidence Is Rebuilding

After several years of rate volatility and stalled transactions, confidence is returning. Nearly 95% of investors plan to acquire the same or more assets in 2026, while 55% are increasing capital allocations to real estate, a meaningful jump from last year.

What’s driving the shift?

·Stabilizing interest rates

·Narrowing bid-ask spreads

·Underwriting assumptions that finally pencil again

In short, the math is working again—but only for deals with sound fundamentals.

Capital Is Moving—Selectively

This is not a “buy everything” market. Capital is flowing to well-located, income-producing assets where pricing has adjusted and downside risk is understood.

From a financing standpoint, this favors borrowers who:

·Present realistic rent growth assumptions

·Structure conservative leverage

·Focus on long-term hold strategies

Lenders are active—but they are rewarding preparation and discipline.

Where Investors Are Buying in 2026

Geographically, investor demand remains concentrated in high-growth, liquid markets.

·Dallas–Fort Worth remains the top U.S. market for the fifth straight year

·Atlanta continues to attract capital due to population and job growth

·San Francisco is re-emerging as a selective recovery play

·Charlotte and Tampa reinforce the strength of Sun Belt fundamentals

These markets offer liquidity, demographic tailwinds, and lender comfort—critical factors in today’s credit environment.

Sector Preferences: Back to Fundamentals

Investor interest in 2026 is anchored in traditional property types with clear cash-flow visibility:

·Multifamily remains the top sector

·Industrial continues to benefit from reshoring and logistics demand

·Retail attracts capital where tenant mix and pricing are right

·Office is still limited—but selectively returning for Class A assets in prime locations

Alternative assets remain niche, as most investors prefer repriced core sectors with proven demand.

Risk Appetite Is Measured, Not Aggressive

Roughly two-thirds of investors are targeting value-add and core-plus strategies—seeking stable income with controlled upside.

Opportunistic and distressed strategies are fading as:

·Widespread fire-sale pricing fails to materialize

·Lenders avoid forced liquidations

·Owners with strong balance sheets hold assets longer

This favors borrowers who can execute business plans without relying on heroic assumptions.

Conservative Leverage Is the New Normal

From a capital markets perspective, leverage discipline defines 2026:

·Most investors are holding debt ratios steady

·Nearly half are willing to accept short-term negative leverage

·The bet is on rent growth and refinancing—not yield compression

This creates strong demand for structured debt, flexible terms, and lender diversification—areas where mortgage brokers add significant value.

Bottom Line

2026 marks a return to buying—not a return to excess.

Commercial real estate investors are re-entering the market with confidence grounded in:

·Improved pricing

·Disciplined leverage

·Long-term fundamentals

For borrowers and investors, success in this cycle depends less on timing the market—and more on structuring capital correctly from day one.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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Refinancing youe loan and when to do it

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Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014

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Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/

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281-222-0433

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Tips on How to Improve Your Credit Score

1. Check your credit report regularly

2. Pay your bills on time

3. Lower your credit utilization ratio

1. Check your credit report regularly

2. Pay your bills

on time

3. Lower your credit utilization ratio

4. Increase your credit limit

5. Diversify your credit

4. Increase your

credit limit

5. Diversify your credit

Blogs

The Top 5 Mortgage Mistakes to Avoid

Mortgage Do and

Do not list