If you are still renting because it feels safer or more flexible, you are not alone. Many people assume renting is the lower-risk option. But when you zoom out and look at the bigger financial picture, buying a home often makes more sense than people expect.

Let’s break down the reality of renting versus owning.

Your credit score plays a major role in your financial life — especially when it comes to buying a home or securing a mortgage with a favorable interest rate. At Metcalf Mortgage, we understand that improving your credit score can feel overwhelming, but with consistency and smart financial habits, meaningful progress is absolutely possible.

Here are some practical tips to help you strengthen your credit profile and increase your score over time.