Todd Grey

Buy Now Pay Later services have become a popular way to spread out small purchases, and for many buyers, these plans feel harmless. The payment amounts are usually small, the approval process is quick, and the apps are easy to use. What many future homebuyers do not realize is that Buy Now Pay Later activity can affect a mortgage application in ways that may not be obvious. Understanding how this type of debt shows up in your financial profile can help you prepare before you apply for a mortgage.

The Consumer Price Index was scheduled to be released this week but has once again been delayed, with no explanation provided. This left the unemployment data as the only notable economic release from last week. The data showed that unemployment numbers came in higher than expected; however, this result is somewhat tempered by the fact that the figures are supported by a more limited data set.

Welcoming a new baby is an exciting milestone, but it often comes with financial changes, especially when a household shifts to one primary income. Managing a mortgage during this transition can feel overwhelming at first, but many families successfully navigate it every day. With thoughtful planning and a few smart adjustments, it is possible to maintain stability while focusing on what matters most.