---
title: HomeTraq University | income
description: income |
---

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

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[![](https://university.hometraq.io/hubfs/CARES-ACT.png)](https://university.hometraq.io/cares-act-forbearance-covid-mortgage-relief-details)

## [CARES Act Forbearance (COVID mortgage relief) details](https://university.hometraq.io/cares-act-forbearance-covid-mortgage-relief-details)

 May 10, 2020 10:20:58 AM / by [Mark Gorman](https://university.hometraq.io/author/mark-gorman) posted in [housing market](https://university.hometraq.io/topic/housing-market), [buying a home](https://university.hometraq.io/topic/buying-a-home), [misconceptions](https://university.hometraq.io/topic/misconceptions), [rent](https://university.hometraq.io/topic/rent), [income](https://university.hometraq.io/topic/income), [asset](https://university.hometraq.io/topic/asset), [myths](https://university.hometraq.io/topic/myths), [loan](https://university.hometraq.io/topic/loan), [rates](https://university.hometraq.io/topic/rates)

[0 Comments](https://university.hometraq.io/cares-act-forbearance-covid-mortgage-relief-details#comments-listing)

 

There’s little doubt that COVID-19 has changed our lives significantly over the last days and weeks. There has been so much information released as a result of these unprecedented times that it’s been hard to keep up. To keep things clear, and to help you sift through all the information you’re getting, we wanted to provide a resource so you can better understand recent legislation enacted to help homeowners impacted by the COVID-19 pandemic.

[Read More](https://university.hometraq.io/cares-act-forbearance-covid-mortgage-relief-details)

[![](https://university.hometraq.io/hubfs/solar-panel-on-rocky-mountain-during-day-3312555.jpg)](https://university.hometraq.io/the-2020-guide-to-an-energy-efficient-home)

## [The 2020 Guide to an Energy Efficient Home](https://university.hometraq.io/the-2020-guide-to-an-energy-efficient-home)

 Mar 12, 2020 7:20:08 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [maintenance](https://university.hometraq.io/topic/maintenance), [summer](https://university.hometraq.io/topic/summer), [income](https://university.hometraq.io/topic/income), [utilities](https://university.hometraq.io/topic/utilities)

[0 Comments](https://university.hometraq.io/the-2020-guide-to-an-energy-efficient-home#comments-listing)

**Energy Efficiency**

**energystar.gov:** Use this site for information on clothes washers, refrigerators, dishwashers, room air-conditioners and other appliances with the Energy Star® label. There is also a search tool for locating stores that sell EnergyStar in your area of the country.

**homeenergysaver.lbl.gov:** The Home Energy SaverTM is an Internet-based tool for calculating energy use in homes. It is designed to help you identify how best to save energy and find the resources to do so. It is sponsored by the U.S. Department of Energy (DOE) and the Environmental Protection Agency.

**eren.doe.gov:** The Office of Energy Efficiency and Renewable Energy within DOE developed a very helpful “Energy Saver Guide” outlining basic steps on how to make your entire home as energy efficient as possible — from top to bottom.

**What we do?**

[HomeTraq provides you with the superior home-hunting experience.](https://hometraq.com/) Create a free account and tour any home within 3-5 minutes. A realtor will meet you there. No commitment. No payment. No obligation.

[![See It Now](https://no-cache.hubspot.com/cta/default/5556799/8e7d7afa-3ad2-430e-85a4-f0ab48d78ab2.png)](https://cta-redirect.hubspot.com/cta/redirect/5556799/8e7d7afa-3ad2-430e-85a4-f0ab48d78ab2)

 

[Read More](https://university.hometraq.io/the-2020-guide-to-an-energy-efficient-home)

[![](https://university.hometraq.io/hubfs/Stock%20images/Excited%20couple%20jumping%20after%20buying%20a%20house-1.jpeg)](https://university.hometraq.io/home-buyer-loan-strategies-options-revealed)

## [Home-Buyer Loan Strategies \[OPTIONS REVEALED\]](https://university.hometraq.io/home-buyer-loan-strategies-options-revealed)

 Feb 17, 2020 1:20:53 PM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [home ownership](https://university.hometraq.io/topic/home-ownership), [financing](https://university.hometraq.io/topic/financing), [buying a home](https://university.hometraq.io/topic/buying-a-home), [income](https://university.hometraq.io/topic/income), [loan](https://university.hometraq.io/topic/loan), [rates](https://university.hometraq.io/topic/rates)

[0 Comments](https://university.hometraq.io/home-buyer-loan-strategies-options-revealed#comments-listing)

   

[Read More](https://university.hometraq.io/home-buyer-loan-strategies-options-revealed)

[![](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/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/Stock%20images/View%20of%20long%20chairs%20set%20by%20swimming%20pool-1.jpeg)](https://university.hometraq.io/the-advantages-of-purchasing-a-vacation-home)

## [The advantages of purchasing a vacation home](https://university.hometraq.io/the-advantages-of-purchasing-a-vacation-home)

 Jul 14, 2019 7:49:00 AM / by [Brett O'Daniell](https://university.hometraq.io/author/brett-odaniell) posted in [vacation home](https://university.hometraq.io/topic/vacation-home), [rent](https://university.hometraq.io/topic/rent), [income](https://university.hometraq.io/topic/income), [asset](https://university.hometraq.io/topic/asset)

[0 Comments](https://university.hometraq.io/the-advantages-of-purchasing-a-vacation-home#comments-listing)

Invest in a vacation home and enjoy the benefits all year round! Discover the advantages to purchasing a vacation rental property:

 

 

[Read More](https://university.hometraq.io/the-advantages-of-purchasing-a-vacation-home)

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