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Don'tderailmortgageborrowing withnew'easypayment'option Thepanelizedbuild- ingsystemisveryflex- ibleandcanworkwith manydifferentdesigns. Thesystemcanbe usedwithanewhome, anADU/grannyunit, adetachedgarageof anysize,townhomeor apartmentbuilding, vacationproperty,cabin chalet,someadditions, andsomebarns. Thefoundationcan beaslaborraisedwood floor.Thebuildingsite canbeflat,slopedor onahillside.Allthese itemsarecontrolledby theclientinthelocal market.Thatgivesthe clienttheoptiontoin- stallstandardorhigh- endfinishingitems. Whendone,thebuild- ingwillbeatraditional custom-builtproject builttolocalbuilding codes. CaliforniaPre-Cut Homeshasworkedwith andsuppliedpanelized buildingsystemstoall typesofowner-builders includinghomeowners, contractors,developers, countryclubs,church organizations,YMCA groupsandyouthreha- bilitationorganizations. Thecompanyisproud ofitsrepeatbusiness includingmanypast clients,secondgenera- tions,andthosemov- ingtoanewareaand overseas. Clientshavesaved significantlyintheir overallbuildingcost whenusingtheCali- forniaPre-CutHomes panelizedbuilding systemandincluding homeownerinvolve- mentintheirbuilding project. Findoutmoreby contactingMattFoster atMfoster@caprecut. comorcalling(925) 838-2859.California Pre-CutHomesisat425 ElPintadoRoad,Suite 190,inDanvilleorgoto www.caprecut.com. Contentprovided byCaliforniaPre-Cut Homes California frompage1 By Marilyn Kennedy Melia CTW FEATURES Ahomeisthebig- gestpurchasemost peoplemake.Tomake ithappen,though,buy- ershavetobemindful oftheirlittlepurchases forweeksandmonths ahead,allthewayto closingday. Runningupcredit cardchargescansinka creditscore,akeyde- terminantofmortgage eligibility. "Wewarnthemtobe careful"anytimebor- rowersareteetering nearlimits,saysReed BrunzellofCardinal FinancialinGlenview, Illinois. Now,anewpayment option—neithercredit card,debitcardor cash—hasexplodedin popularity. KnownasBuyNow PayLater,orBNPL, anyonewhohasbeen shoppingonlinehas probablyseentheseof- fersfor"foureasypay- ments,withnofeesand zerointerest." A recent survey by Ascent by Motley Fool found one-third of consumers have tried BNPL, but 22 percent indicated they were unsure of all the terms. Areleasefrommy- FICO.com,acompany thatprovidescredit scoreinformation,ex- plainsthatmanyofthe BNPLservicesinstantly approveconsumers withoutperforminga so-calledhardcredit checkthatcouldnega- tivelyimpactacredit score. ButmanyBNPL services"requireyouto provideyourcreditor debitcardinformation," andtheinstallment paymentsareautomati- callydrawnonthese accounts. Whenpayments arelinkedtocheck- ingthroughyourdebit card,"youcouldde- faultifyourpaymentis declinedduetoinsuf- ficientfunds,"witha resultinghittoyour score,myFICO.com warns. Whenacreditcardis used,consumersmust besuretopaytheBNPL balanceinfulland ontimeeachmonth. "Otherwise,carrying abalancewillleadto interest,andlatepay- mentswillincurafee andpotentiallydamage yourFICOscore." BNPLisafast- growingtrend,butit's stillonethatconsumers maynotrealizecould havecreditscoreimpli- cations. "So far, only one borrower has asked me about it," Brunzell says. Butitmeritsex- ploring,especiallyif aborrower'sscoreor debt-to-incomeratios aren'twellabovethe limits,Brunzellnotes. "Ifyouareanim- pulsebuyerandyou enterintothreeorfour ofthese,itcouldmess thingsup,"heconcludes. BayAreaNewsGroup'snextBeyondtheBay UPCOMING PUBLISHING DATES: Foradvertising infocontact Sandy Lek at (925) 847-2135 or slek@bayareanewsgroup.com For more info, visit www.NewHomeFinder.news 16 th Sunday BANG Readership 662,400* 662,400* *Source: 2020 R1 Scarborough Research DON'T MISSTHE NEXT May 23 & September 26 TheMercuryNews|EastBayTimes|MarinIndependentJournal May 21 & September 24 27 Community Weeklies AND H6 BAYAREANEWSGROUP 111 Homes | Advertising Section