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‘Tis the season to be merry – except sometimes, it’s not.

While it’s not a pleasant topic or a reality anyone enjoys, the fact is that issues like cyber fraud and online scams are highly common in today’s world. The financial realm is one of the most frequently-targeted areas here, with scammers looking to rip off both organizations and individuals using a variety of technological means.

If you’re thinking about applying for a mortgage loan in the near future, a major topic to consider is your debt. Lenders will consider your entire financial and credit picture when determining the types of loans and rates you qualify for, and the debt you carry and your history repaying it will be key among the factors they look at.