You hear that, folks? A bank is going to give you advice about home mortgages. Hahahaha. The federal reserve that isn't federal is going to tell you about mortgages. What a joke. Cash is not the new king. They way the us treasury is printing money like it grows on trees our "cash" is going to be worth about as much as the moldy bananas that I just threw in the garbage. Clean up your credit score? Pulease. Banks should be required to be honest with their customers. They should be required to inform their customers that if they plan to make their payments ahead of time and not use that much of their available credit that their credit rating will actually decrease because the bank is not making money. USA = poop.