---
title: HomeTraq University | Mark Gorman (2)
description: Co-Founder of HomeTraq.  30 years mortgage & real estate experience. (2)
---

[![HomeTraq](https://university.hometraq.io/hs-fs/hubfs/HomeTraqLogoSM-1.png?width=6000&height=1800&name=HomeTraqLogoSM-1.png "HomeTraq")](https://HomeTraq.com)

- [For Home Buyers](https://hometraq.com/how-it-works)
- [For Lenders](https://explore.hometraqbuyers.com/for-lenders)
- [For Agents](https://explore.hometraqbuyers.com/for-agents)
- [Live Video Tours](https://explore.hometraqbuyers.com/live-video-tours)
- Resources 
    - [Blog](https://university.hometraq.io)
    - [Guidebooks](https://explore.hometraqbuyers.com/resources)
- [Contact Us](https://explore.hometraq.io/lets-talk)

## Mark Gorman

Co-Founder of HomeTraq. 30 years mortgage & real estate experience.

## Recent Posts

[![](https://university.hometraq.io/hubfs/person-holding-100-us-dollar-banknotes-2068975.jpg)](https://university.hometraq.io/helpful-links-about-credit-credit-resources-and-credit-counselors)

## [Real Estate Insider - Credit, Credit Resources and Credit Counselors](https://university.hometraq.io/helpful-links-about-credit-credit-resources-and-credit-counselors)

 Feb 5, 2020 11:28:31 AM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [homebuyers](https://university.hometraq.io/topic/homebuyers), [Credit](https://university.hometraq.io/topic/credit), [Credit Score](https://university.hometraq.io/topic/credit-score), [financing](https://university.hometraq.io/topic/financing), [capital](https://university.hometraq.io/topic/capital), [mortgage payments](https://university.hometraq.io/topic/mortgage-payments), [homebuying](https://university.hometraq.io/topic/homebuying), [boosting credit](https://university.hometraq.io/topic/boosting-credit), [credit bureaus](https://university.hometraq.io/topic/credit-bureaus)

[0 Comments](https://university.hometraq.io/helpful-links-about-credit-credit-resources-and-credit-counselors#comments-listing)

**There are three major credit reporting agencies.**

[Read More](https://university.hometraq.io/helpful-links-about-credit-credit-resources-and-credit-counselors)

[![](https://university.hometraq.io/hubfs/close-up-photo-of-man-wearing-black-suit-jacket-doing-thumbs-684385-1.jpg)](https://university.hometraq.io/the-loan-approval-phase)

## [The Loan Approval Phase](https://university.hometraq.io/the-loan-approval-phase)

 Feb 2, 2020 9:26:08 PM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [Home Loan](https://university.hometraq.io/topic/home-loan), [financing](https://university.hometraq.io/topic/financing), [capital](https://university.hometraq.io/topic/capital), [buying a home](https://university.hometraq.io/topic/buying-a-home), [income](https://university.hometraq.io/topic/income), [credit bureaus](https://university.hometraq.io/topic/credit-bureaus)

[0 Comments](https://university.hometraq.io/the-loan-approval-phase#comments-listing)

**Lender Evaluates Mortgage Loan Application:**

[Read More](https://university.hometraq.io/the-loan-approval-phase)

[![](https://university.hometraq.io/hubfs/image-1.png)](https://university.hometraq.io/why-co-signing-on-a-loan-is-probably-a-bad-idea)

## [Why co-signing on a loan is probably a bad idea](https://university.hometraq.io/why-co-signing-on-a-loan-is-probably-a-bad-idea)

 Dec 9, 2019 4:00:12 PM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [Home Loan](https://university.hometraq.io/topic/home-loan), [cosign](https://university.hometraq.io/topic/cosign), [loan](https://university.hometraq.io/topic/loan)

[0 Comments](https://university.hometraq.io/why-co-signing-on-a-loan-is-probably-a-bad-idea#comments-listing)

**Lots of people – even those we love – don’t make good on promises; your credit takes an immediate hit**

[Read More](https://university.hometraq.io/why-co-signing-on-a-loan-is-probably-a-bad-idea)

[![](https://university.hometraq.io/hubfs/Stock%20images/Portrait%20of%20a%20happy%20african%20man%20holding%20US%20dollars.jpeg)](https://university.hometraq.io/why-financing-might-be-a-better-choice-than-paying-cash-for-your-next-home)

## [4 reasons why buying a home with cash may be a mistake...](https://university.hometraq.io/why-financing-might-be-a-better-choice-than-paying-cash-for-your-next-home)

 Oct 8, 2019 4:49:14 PM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [Mortgage](https://university.hometraq.io/topic/mortgage), [Pre-Approval](https://university.hometraq.io/topic/pre-approval), [Pre-Qual](https://university.hometraq.io/topic/pre-qual), [Lending](https://university.hometraq.io/topic/lending), [Home Loan](https://university.hometraq.io/topic/home-loan), [Pre-Qualification](https://university.hometraq.io/topic/pre-qualification), [Approval](https://university.hometraq.io/topic/approval), [professional](https://university.hometraq.io/topic/professional), [home purchase](https://university.hometraq.io/topic/home-purchase), [financing contigency](https://university.hometraq.io/topic/financing-contigency), [FHA](https://university.hometraq.io/topic/fha), [closing costs](https://university.hometraq.io/topic/closing-costs), [homebuyers](https://university.hometraq.io/topic/homebuyers), [home ownership](https://university.hometraq.io/topic/home-ownership), [PITIA](https://university.hometraq.io/topic/pitia), [financing](https://university.hometraq.io/topic/financing), [capital](https://university.hometraq.io/topic/capital), [payments](https://university.hometraq.io/topic/payments), [mortgage payments](https://university.hometraq.io/topic/mortgage-payments), [emergency funds](https://university.hometraq.io/topic/emergency-funds), [boosting credit](https://university.hometraq.io/topic/boosting-credit), [income](https://university.hometraq.io/topic/income), [asset](https://university.hometraq.io/topic/asset), [myths](https://university.hometraq.io/topic/myths), [credit bureaus](https://university.hometraq.io/topic/credit-bureaus)

[0 Comments](https://university.hometraq.io/why-financing-might-be-a-better-choice-than-paying-cash-for-your-next-home#comments-listing)

There’s a common misconception out there that buying a home with cash is always a faster and easier option than financing. If you have the funds to buy a home in cash (congrats on that saving, by the way), [financing might actually be a better option](https://university.hometraq.io/six-features-first-timers-should-know-about-fha). Financing your purchase with a qualified lender offers homebuyers a host of unique advantages that cash buyers just can’t enjoy. If you’re weighing your cash vs. [financing options](https://university.hometraq.io/tag/mortgage), consider the following:

[Read More](https://university.hometraq.io/why-financing-might-be-a-better-choice-than-paying-cash-for-your-next-home)

[![](https://university.hometraq.io/hubfs/rates.jpg)](https://university.hometraq.io/so-mortgage-rates-falling)

## [Rates are falling... What does it mean for your home search?](https://university.hometraq.io/so-mortgage-rates-falling)

 Aug 28, 2019 9:30:52 PM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [Insider](https://university.hometraq.io/topic/insider), [Mortgage](https://university.hometraq.io/topic/mortgage), [Pre-Approval](https://university.hometraq.io/topic/pre-approval), [Home Loan](https://university.hometraq.io/topic/home-loan), [Approval](https://university.hometraq.io/topic/approval), [homebuyers](https://university.hometraq.io/topic/homebuyers), [housing market](https://university.hometraq.io/topic/housing-market), [St. Louis](https://university.hometraq.io/topic/st-louis), [housing demand](https://university.hometraq.io/topic/housing-demand), [financing](https://university.hometraq.io/topic/financing), [loan](https://university.hometraq.io/topic/loan), [rates](https://university.hometraq.io/topic/rates)

[0 Comments](https://university.hometraq.io/so-mortgage-rates-falling#comments-listing)

 

[Read More](https://university.hometraq.io/so-mortgage-rates-falling)

[![](https://university.hometraq.io/hubfs/Open-House.jpg)](https://university.hometraq.io/you-found-your-dream-home-now-call-the-listing-agent-to-view-it)

## [You found it! Should you call the listing agent to view the home?](https://university.hometraq.io/you-found-your-dream-home-now-call-the-listing-agent-to-view-it)

 Aug 21, 2019 8:09:00 PM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [buyer's agent](https://university.hometraq.io/topic/buyers-agent), [commission](https://university.hometraq.io/topic/commission), [listing](https://university.hometraq.io/topic/listing), [home purchase](https://university.hometraq.io/topic/home-purchase), [homebuyers](https://university.hometraq.io/topic/homebuyers), [housing market](https://university.hometraq.io/topic/housing-market), [dual agency](https://university.hometraq.io/topic/dual-agency), [homes for sale](https://university.hometraq.io/topic/homes-for-sale), [real estate tech](https://university.hometraq.io/topic/real-estate-tech), [representation](https://university.hometraq.io/topic/representation), [agency](https://university.hometraq.io/topic/agency), [listing agent](https://university.hometraq.io/topic/listing-agent), [selling agent](https://university.hometraq.io/topic/selling-agent), [St. Louis](https://university.hometraq.io/topic/st-louis), [Zillow](https://university.hometraq.io/topic/zillow)

[0 Comments](https://university.hometraq.io/you-found-your-dream-home-now-call-the-listing-agent-to-view-it#comments-listing)

**You can call the selling agent to setup an appointment to view a home, but not having your own representation could be tricky...**

[Read More](https://university.hometraq.io/you-found-your-dream-home-now-call-the-listing-agent-to-view-it)

[![](https://university.hometraq.io/hubfs/acroynmsBlog.jpg)](https://university.hometraq.io/acronyms-to-know-when-buying-a-home)

## [Confused by all the home buying lingo?](https://university.hometraq.io/acronyms-to-know-when-buying-a-home)

 Aug 17, 2019 9:02:00 PM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [Insider](https://university.hometraq.io/topic/insider), [Mortgage](https://university.hometraq.io/topic/mortgage), [AUS](https://university.hometraq.io/topic/aus), [real estate](https://university.hometraq.io/topic/real-estate), [FHA](https://university.hometraq.io/topic/fha), [closing costs](https://university.hometraq.io/topic/closing-costs), [HOA](https://university.hometraq.io/topic/hoa), [203k](https://university.hometraq.io/topic/203k), [MLS](https://university.hometraq.io/topic/mls), [PITIA](https://university.hometraq.io/topic/pitia), [before you buy](https://university.hometraq.io/topic/before-you-buy), [buying a home](https://university.hometraq.io/topic/buying-a-home)

[0 Comments](https://university.hometraq.io/acronyms-to-know-when-buying-a-home#comments-listing)

Buying a home can be a high stress time and it feels even more stressful when you don’t understand the lingo being tossed around. From abbreviated words in listings to acronyms used by real estate agents and loan officers, sometimes it can feel like everyone is speaking a different language.  Knowing these acronyms will keep you on the same page as everyone you are working with.

 

[Read More](https://university.hometraq.io/acronyms-to-know-when-buying-a-home)

[![](https://university.hometraq.io/hubfs/couple.with.agent.in.background.png)](https://university.hometraq.io/do-i-have-to-use-the-agent-who-shows-me-the-home-update-links)

## [Do I have to use the agent who shows me the home?](https://university.hometraq.io/do-i-have-to-use-the-agent-who-shows-me-the-home-update-links)

 Jul 23, 2019 7:58:00 PM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [touring homes](https://university.hometraq.io/topic/touring-homes), [buyer's agent](https://university.hometraq.io/topic/buyers-agent), [commission](https://university.hometraq.io/topic/commission), [listing](https://university.hometraq.io/topic/listing), [homebuyers](https://university.hometraq.io/topic/homebuyers), [dual agency](https://university.hometraq.io/topic/dual-agency), [homes for sale](https://university.hometraq.io/topic/homes-for-sale), [agency](https://university.hometraq.io/topic/agency), [listing agent](https://university.hometraq.io/topic/listing-agent), [open house](https://university.hometraq.io/topic/open-house)

[0 Comments](https://university.hometraq.io/do-i-have-to-use-the-agent-who-shows-me-the-home-update-links#comments-listing)

Many buyers wonder if the listing agent of a home they are interested in will show the home to them. The answer is "yes", as the listing agent is obligated to show his or her client’s home. A listing agent is hired by the seller to work 100% for the seller’s best interests.  

Additionally some buyers wonder if they can save some money by going directly to that seller's agent to buy the home. On the surface, the thought of cutting out the "middleman (a buyer's agent)" may sound like a way to save time and money. While it may save time, the buyer will NOT save money on that specific purchase transaction.  

[Read More](https://university.hometraq.io/do-i-have-to-use-the-agent-who-shows-me-the-home-update-links)

[![](https://university.hometraq.io/hubfs/Stock%20images/A%20woman%20smiling%20and%20looking%20in%20front%20of%20her%20as%20she%20uses%20her%20credit%20card%20with%20her%20laptop..jpeg)](https://university.hometraq.io/adding-experian-boost-to-your-toolbag)

## [Cellphone & utility payments can now "boost" your credit score](https://university.hometraq.io/adding-experian-boost-to-your-toolbag)

 Jul 12, 2019 8:32:00 PM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [Mortgage](https://university.hometraq.io/topic/mortgage), [Credit](https://university.hometraq.io/topic/credit), [Credit Score](https://university.hometraq.io/topic/credit-score), [home ownership](https://university.hometraq.io/topic/home-ownership), [credit profile](https://university.hometraq.io/topic/credit-profile), [payments](https://university.hometraq.io/topic/payments), [mortgage payments](https://university.hometraq.io/topic/mortgage-payments), [boosting credit](https://university.hometraq.io/topic/boosting-credit), [credit bureaus](https://university.hometraq.io/topic/credit-bureaus), [experian](https://university.hometraq.io/topic/experian), [cell phone](https://university.hometraq.io/topic/cell-phone), [utilities](https://university.hometraq.io/topic/utilities), [bills](https://university.hometraq.io/topic/bills)

[0 Comments](https://university.hometraq.io/adding-experian-boost-to-your-toolbag#comments-listing)

 

[Read More](https://university.hometraq.io/adding-experian-boost-to-your-toolbag)

[![](https://university.hometraq.io/hubfs/bank-banking-close-up-1020313.jpg)](https://university.hometraq.io/the-traditional-mortgage-3-myths-to-bust)

## [3 myths of traditional vs online mortgage lenders](https://university.hometraq.io/the-traditional-mortgage-3-myths-to-bust)

 Jul 10, 2019 7:16:00 AM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [Mortgage](https://university.hometraq.io/topic/mortgage), [buying a home](https://university.hometraq.io/topic/buying-a-home), [myths](https://university.hometraq.io/topic/myths)

[0 Comments](https://university.hometraq.io/the-traditional-mortgage-3-myths-to-bust#comments-listing)

Deciding to buy a new home is one of life’s most important decisions. Once you’ve given yourself the green light—and after the euphoria and surge of adrenaline spikes and subsides—you need to identify your specific financial capabilities and goals, and what you require from your mortgage lender.

 

[Read More](https://university.hometraq.io/the-traditional-mortgage-3-myths-to-bust)

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