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Vibrant Living – December 2025

ICE Mortgage Technology
Oct 27, 2025
0 min read

Updated: Nov 21, 2025

Vibrant Living

FINANCE
How to Prep Your Home and Finances for the New Year
As the year winds down, it’s easy to focus on holiday plans and let bigger priorities slide. But a little planning now can pay off big in 2026 and beyond. It may just be the best gift you give yourself!
Click here to read more

KNOWLEDGE CHECK
Which holiday habit is most likely to hurt your chances of qualifying for a mortgage?

A) Opening a store credit card for a one-time discount
B) Charging holiday expenses to a high-interest card without a plan to pay them off
C) Shopping local for decorations
D) Redeeming credit card points for gift purchases
Keep scrolling for the answer.

RECIPE
Garlic-Parmesan Stuffed Mushrooms
A holiday feast isn’t complete without a savory starter. These stuffed mushrooms bring bold flavor and festive cheer to any gathering.
Click here to read the recipe.

Answer:
B. Carrying a balance increases your debt-to-income (DTI) ratio and can lower your credit score. High-interest balances make it harder to recover and can increase your DTI more quickly. While opening new credit (option A) may cause a small dip in your score, it has less impact if managed responsibly.

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