Prequalify for sam

Sep 1, 2023 · The Ann Taylor Mastercard earns 5 rewards points per dollar spent with Ann Inc. stores. For every 2,000 rewards points or $400 spent online or in-store, you’ll get rewarded with a $20 rewards card (5% back). Your first purchase made outside the Ann Inc. family will also trigger a $20 rewards card.

Home Depot Consumer Credit Card. The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside of Home Depot. The card offers six months of special financing on ...Ultimate Support MDS-100 Modular Device Stand. $67.99. Ultimate Support MC05 Round Base Straight Microphone Stand. $40.99. Ultimate Support MC-40B Pro Microphone Stand. $52.99. Ultimate Support MC-40B Pro 3-Pack Mic Stand with Boom, Black. $129.99. Ultimate Support Nucleus-Z Navigator Fully Expanded Workstation Desk. As of June 23, 2023, users can go into their registration in SAM.gov and select from the most recent socio-economic categories. May 26. Changes to the Purpose of Registration (POR) Page in SAM.gov. Effective May 26, 2023, SAM.gov has updated the way you select your purpose of registration. When you start a new entity registration or update an ...Jul 20, 2023 · Benefits of the Sam’s Club Card. Image Credit: Sam’s Club. With the Sam’s Club card, cardholders can earn several benefits: Earn 5% cash-back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1%) Earn 3% cash-back on dining. Earn 3% cash-back on Sam’s Club purchases for Plus members (otherwise 1%) Earn 1% cash ... You get 5% back on the first $6,000 per year on fuel purchases, including those at Sam’s Club locations. After $6,000, the fuel cash back drops to 1%. You get 3% back on qualified travel and dining purchases. You earn 1% back on any other purchase. There are no foreign transaction fees or annual fees for this card.Excellent consumer credit card - 10* for sure... Credit Karma Member. Started with 2K credit when my scores were high 500s and some low 600s some 3+ years ago. Not upgraded to MasterCard yet but contacted Synchrony today 10/02/21 about any possibilities of CLI out of curiosity and boom ... Sams Club ( Synchrony ) instantly tripled it to 6K.

We would like to show you a description here but the site won’t allow us. Updated: August 30, 2023. The quartet of Chase prequalify and preapproval credit cards require you to have good or excellent credit to get one. In fact, JPMorgan Chase is known for its rigorous approval standards, so any opportunity you can take to check your winning odds is valuable. Chase Bank can make a prequalified offer or preapproved ...SAM.gov The System for Award Management (SAM) is the Official U.S. Government system that consolidated the capabilities of CCR/FedReg, ORCA, and EPLSSee if you're pre-approved. Capital One supports 256-bit Transport Layer Security (TLS) technology. This means that when you are on our website, the data transferred between Capital One and you is encrypted and cannot be viewed by any other party. If you’ve submitted this form within the last 2 days, we may provide you with your most recent ...Jan 10, 2023 · These are the steps to take when you are prequalifying for a personal loan: 1. Check your credit score. Check your credit score before applying to determine which lenders are likely to consider ... Start with research. When eyeing government trucking contracts, the first thing you have to do is to start with research. At any given time, government agencies may procure anything from town cars to paper towels. The key is to make sure that you are able to move what the government is looking for so that you can successfully bid on the contract.

Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center. Online: You can apply online through the Sam's Club application web page. Next, fill out the application and review the information and the card’s terms and conditions. Then, click submit. In person: Visit one of your local Clubs, fill out an application, and hand it over to a customer service representative for processing.SYNCHRONY PREFERRED MASTERCARD®. Spending Power. Enjoy the extraordinary reward of earning 2% cash back on every purchase*. Your cash back is unlimited and gets credited to your statement every month, automatically. Enjoy Mastercard World Benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless® Experiences, and ... Jul 20, 2023 · Benefits of the Sam’s Club Card. Image Credit: Sam’s Club. With the Sam’s Club card, cardholders can earn several benefits: Earn 5% cash-back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1%) Earn 3% cash-back on dining. Earn 3% cash-back on Sam’s Club purchases for Plus members (otherwise 1%) Earn 1% cash ... Unlimited Cashback Match. Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. 1 There is no limit to how much we'll match. 0% Intro APR † for 6 months on purchases. Then 18.24% - 27.24% Standard Variable Purchase APR will apply.Sam's Club Master Card Soft Pull Prequalify Credit Card! Stated Income Only! (GAME CHANGER!) - YouTube. Soft Pull Pre-Qualify - https://www.samsclub.com/content/creditApply for BlockFI - https ...

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Visit the Home Depot® Credit Card pre-qualification page. Enter your name, email address, phone number, and the last 4 digits of your Social Security number. Click the “Continue’ button and see if you are pre-qualified. To respond to a pre-approved offer in the mail, visit the issuer’s pre-approval page and enter the invitation code ...At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ...Sam’s Club Business MasterCard (paper application via PDF on card page) ScoreCard Store Card ( Dick’s Sporting Goods, Golf Galaxy, Field & Stream) Stein Mart MasterCard. Synchrony Car Care Credit Card. Synchrony Premier World Mastercard ®. TJX Rewards ® Platinum Mastercard ®. Verizon Visa Rewards Card.These are the steps to take when you are prequalifying for a personal loan: 1. Check your credit score. Check your credit score before applying to determine which lenders are likely to consider ...Apr 9, 2023 · At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ...

In terms of standard ongoing rewards, the Sam’s Club Mastercard offers a stellar 5 percent cash back on gas (up to $6,000 per year, then 1 percent), as well as 3 percent back on dining ($5,000 ...SHOP NOW. 0% APR for 48 months on eligible TVs ⊕. SHOP NOW. 12 months financing on home appliances †. SHOP NOW. 6, 12 or 24 month financing terms on orders over $50 or more ±. SHOP NOW. ⊕ 0% APR for 24, 36, 40 or 48 Months with Equal Payments: Available on purchases of select products charged to a Samsung Financing account. Show More.Updated: August 30, 2023. The quartet of Chase prequalify and preapproval credit cards require you to have good or excellent credit to get one. In fact, JPMorgan Chase is known for its rigorous approval standards, so any opportunity you can take to check your winning odds is valuable. Chase Bank can make a prequalified offer or preapproved ...January 2, 2023 • Credit Cards. If you currently have a store credit card or have thought about getting one, there’s a good chance that it’s from Synchrony Bank. With more than 85 years of experience in the financial services industry, Synchrony partners with well-known retail brands across the country.The Sam Ash Card makes it easy to get the gear you want today and then pay over time with convenient, monthly payments! Choose from thousands of products from your favorite brands. Applying for the card is quick, easy and safe. Just select the "Apply For The Sam Ash Credit Card" option as your method of payment during checkout or you can apply ... Jan 20, 2023 · 3. Go directly to issuer sites. You can also go directly to an issuer’s site to see if you prequalify for a card. More credit card issuers have started offering prequalification tools, where, typically, the issuer will ask you to provide some basic personal information. Pre-approval offers can be delivered by physical mail or email, or provided verbally through a phone call. A pre-approval offer suggests you've passed the first step in the screening process. But remember — you can't actually be approved for the card unless you apply. You may seem like a promising candidate, but the lender will likely want ...Apr 9, 2023 · At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ... See if you prequalify for a Sam's Club credit card. Get a decision in seconds with no impact to your credit bureau score. See if You Pre-Qualify Shop more, earn more Sam’s Cash™ with a Sam’s Club® Mastercard®. 5% back on gas.** (on the first $6,000 per year, then 1% after) 3% back on dining** 1% back on other purchases.** Pre-approval offers can be delivered by physical mail or email, or provided verbally through a phone call. A pre-approval offer suggests you've passed the first step in the screening process. But remember — you can't actually be approved for the card unless you apply. You may seem like a promising candidate, but the lender will likely want ...Pay Online. Pay your Discount Tire credit card online at Synchrony's website. visit website. Mail To. Synchrony Bank. P.O. Box 960061. Orlando, FL 32896-0061. Our Mobile App. You can access your statement and make a payment via our app.

Mar 1, 2020 · Hello all, last week I went to Sam's Club to buy some things and was not expecting to be prequalified for thier mastercard at the register. I decided to pass and look up the benefits and found it's a 5% cash back on gas! I was surprised and tempted since my highest gas cash back card is the BankAmericard with 3% (Excluding Chase and Discover's ...

Sep 1, 2023 · The Ann Taylor Mastercard earns 5 rewards points per dollar spent with Ann Inc. stores. For every 2,000 rewards points or $400 spent online or in-store, you’ll get rewarded with a $20 rewards card (5% back). Your first purchase made outside the Ann Inc. family will also trigger a $20 rewards card. SHOP NOW. 0% APR for 48 months on eligible TVs ⊕. SHOP NOW. 12 months financing on home appliances †. SHOP NOW. 6, 12 or 24 month financing terms on orders over $50 or more ±. SHOP NOW. ⊕ 0% APR for 24, 36, 40 or 48 Months with Equal Payments: Available on purchases of select products charged to a Samsung Financing account. Show More.Select ‘My Account’. Select ‘Macy’s Credit Card’. Select the ‘Statements & Recent Activity’ button. In the ‘Download Statements’ section, choose the date and format of the statement you want to view or print, then select the ‘Download’ button. Select the PDF option if you are looking for an image that resembles a ...So this Sam’s Club credit card is best when used only for those bonus categories. After all, 1% is just the market average for a cash back card. No annual fee & no financing appeal. Neither Sam’s Club credit card charges an annual fee, which saves you $21.5 per year relative to the average credit card.SHOP NOW. 0% APR for 48 months on eligible TVs ⊕. SHOP NOW. 12 months financing on home appliances †. SHOP NOW. 6, 12 or 24 month financing terms on orders over $50 or more ±. SHOP NOW. ⊕ 0% APR for 24, 36, 40 or 48 Months with Equal Payments: Available on purchases of select products charged to a Samsung Financing account. Show More. Excellent consumer credit card - 10* for sure... Credit Karma Member. Started with 2K credit when my scores were high 500s and some low 600s some 3+ years ago. Not upgraded to MasterCard yet but contacted Synchrony today 10/02/21 about any possibilities of CLI out of curiosity and boom ... Sams Club ( Synchrony ) instantly tripled it to 6K.Mortgage pre-qualification is a review of your self-reported income, debts and assets by a lender to determine how you may be able to afford, the loan amount they may be willing to let you borrow based on their requirements and the loan programs available to you. Getting pre-qualified for a mortgage is optional and often considered the first ... Nov 28, 2022 · The AvantCard Credit Card offers a chance to build credit without a security deposit. You can determine your odds of approval through the card's pre-qualification process. The card offers a credit ...

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Mortgage pre-qualification is a review of your self-reported income, debts and assets by a lender to determine how you may be able to afford, the loan amount they may be willing to let you borrow based on their requirements and the loan programs available to you. Getting pre-qualified for a mortgage is optional and often considered the first ...No Interest if paid in full within 12 Months††. No minimum purchase required for Ashley Advantage™ Synchrony purchases. $1200 minimum purchase required for Ashley Advantage™ Great American Finance purchases. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months.Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center.Select ‘My Account’. Select ‘Macy’s Credit Card’. Select the ‘Statements & Recent Activity’ button. In the ‘Download Statements’ section, choose the date and format of the statement you want to view or print, then select the ‘Download’ button. Select the PDF option if you are looking for an image that resembles a ...Sam’s Club Plus membership costs $100 per year (although Sam’s sometimes offers a one-time price of $40 to join), with up to 16 additional accounts addable for $40 each. With BJ’s, the costs are very similar.Sam’s Club ® Credit Card. Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).*. Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1%.*. Earn 3% back in Sam’s Cash on dining and takeout.*. Earn 1% back in Sam’s Cash on other purchases.*. Nov 13, 2019 · You get 5% back on the first $6,000 per year on fuel purchases, including those at Sam’s Club locations. After $6,000, the fuel cash back drops to 1%. You get 3% back on qualified travel and dining purchases. You earn 1% back on any other purchase. There are no foreign transaction fees or annual fees for this card. Jan 10, 2023 · These are the steps to take when you are prequalifying for a personal loan: 1. Check your credit score. Check your credit score before applying to determine which lenders are likely to consider ... ….

Rewards expire 4 years after they are earned, as long as the account is open. As of 09/01/2023, n Rewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.24% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with ...See which personal loans you pre-qualify for with Bankrate. Quick & easy process that won't affect your credit score and will get you accurate personal loan ratesApplying made easy: The Sam’s Club Mastercard is now available to apply for in all in-Club and digital channels including: at member services, at the point of sale – including through Scan & Go; on Sam’s Club Mobile App, SamsClub.com, Text-to-Apply, and Self-Checkout enabled with Synchrony’s patent-pending dApply technology, API’s, and the Synch... Sam's Club preapproval. I know I have asked the preapproval question already but this is a little different. I got a $300 preapproval from Sam's Club/GE Money Bank yesterday. I'm considering applying for this card because I regularly shop there. I've recently disputed a few things on my Equifax and Experian reports.Feb 17, 2023 · The steps to prequalify for a personal loan may vary by lender, but here is what you can generally expect: 1. Complete the prequalification form. The lender will ask for some basic information ... What's required to apply for the Sam's Credit Card? Must be a current Sam’s Club Member. Must be a U.S. Citizen. Apply in the club or at https://www.samsclub.syf.com . Where can I use my Sam’s Club Credit Card? Use your Sam's Club Mastercard anywhere that Mastercard is accepted. How do I pay my credit card bill?Nov 13, 2019 · You get 5% back on the first $6,000 per year on fuel purchases, including those at Sam’s Club locations. After $6,000, the fuel cash back drops to 1%. You get 3% back on qualified travel and dining purchases. You earn 1% back on any other purchase. There are no foreign transaction fees or annual fees for this card. SYNCHRONY PREFERRED MASTERCARD®. Spending Power. Enjoy the extraordinary reward of earning 2% cash back on every purchase*. Your cash back is unlimited and gets credited to your statement every month, automatically. Enjoy Mastercard World Benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless® Experiences, and ...If you're able to get the Sam's Club MasterCard, it's a very sweet card... 5% cash back on gas, 3% for restaurants and travel, and that's in addition to the benefits of the 'regular' Sam's Club Credit account, also known as the PLCC (private label credit card). Prequalify for sam, Evelyn Boros, Credit Cards Moderator. You can check on your Sam's Club® Credit Card application status over the phone, or by dialing (800) 964-1917. You'll need to provide either your social security number or your application reference number. If the issuer denied your application, there's still some hope left., Sep 4, 2023 · Written by: Eric Bank. Edited by: Lillian Guevara-Castro. Reviewed by: Ashley Fricker. Updated: August 30, 2023. In this review of pre-approved credit cards by issuer, we describe how to get a credit card with a minimum of fuss. We look at the pre-approval processes of five major card issuers: Capital One, Chase, Discover, American Express, and ... , No annual fee. Sam’s Cash. No. 2% cash back for qualifying purchases; members can redeem cash rewards for store credit or cash. All members (Club, Plus, and Sam’s Club Mastercard cardholders – not a regular credit card) earn Sam’s Cash on gas, dining, and other purchases. Cashback. 1% at Sam’s Club. 3% at Sam’s Club., Feb 17, 2023 · The steps to prequalify for a personal loan may vary by lender, but here is what you can generally expect: 1. Complete the prequalification form. The lender will ask for some basic information ... , SYNCHRONY PREFERRED MASTERCARD®. Spending Power. Enjoy the extraordinary reward of earning 2% cash back on every purchase*. Your cash back is unlimited and gets credited to your statement every month, automatically. Enjoy Mastercard World Benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless® Experiences, and ..., Sam’s Club Plus Members Get Rewarded Twice When They Shop In-Club. Sam’s Club, (NYSE: WMT), a leading membership warehouse club, Synchrony, (NYSE: SYF), a premier consumer financial services company, and Mastercard, (NYSE: MA) a global technology company in the payments industry, announced today a new Sam’s Club Mastercard rewards program that provides additional value for cardholders ..., Chip Lupo, Credit Card Writer. @CLoop • 01/05/23. No, the Costco Credit Card doesn’t have pre-approval. However, you may be pre-selected for an application. Getting pre-selected for a Costco Credit Card indicates that your chances of being approved for an account are high ( 70% ), should you decide to apply. To respond to a Costco Credit ..., SHOP NOW. 0% APR for 48 months on eligible TVs ⊕. SHOP NOW. 12 months financing on home appliances †. SHOP NOW. 6, 12 or 24 month financing terms on orders over $50 or more ±. SHOP NOW. ⊕ 0% APR for 24, 36, 40 or 48 Months with Equal Payments: Available on purchases of select products charged to a Samsung Financing account. Show More. , Evelyn Boros, Credit Cards Moderator. You can check on your Sam's Club® Credit Card application status over the phone, or by dialing (800) 964-1917. You'll need to provide either your social security number or your application reference number. If the issuer denied your application, there's still some hope left., Email addresses provided through the pre-qualification tool may be used to provide reminders of the coupon for the 30 days after submission. *35% COUPON IS VALID FOR ONE TRANSACTION IN STORE OR ONLINE WHEN YOU USE YOUR NEW KOHL'S CARD WITHIN 14 DAYS OF CREDIT APPROVAL. Surrender coupon with ID for in-store purchase before your card arrives or ..., SAM.gov The System for Award Management (SAM) is the Official U.S. Government system that consolidated the capabilities of CCR/FedReg, ORCA, and EPLS, , The Capital One® Walmart Rewards™ Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted. The Walmart Rewards™ Card can only be used for Walmart purchases (Walmart.com, in the Walmart App (s), in stores, and at Walmart and Murphy USA Gas Stations)., Excellent consumer credit card - 10* for sure... Credit Karma Member. Started with 2K credit when my scores were high 500s and some low 600s some 3+ years ago. Not upgraded to MasterCard yet but contacted Synchrony today 10/02/21 about any possibilities of CLI out of curiosity and boom ... Sams Club ( Synchrony ) instantly tripled it to 6K., January 2, 2023 • Credit Cards. If you currently have a store credit card or have thought about getting one, there’s a good chance that it’s from Synchrony Bank. With more than 85 years of experience in the financial services industry, Synchrony partners with well-known retail brands across the country., Helping people access everyday needs. Sunbit technology is used by thousands of people every day to pay-over-time for unexpected expenses. It’s designed to approve 90% of people who apply with fair, transparent rates and no late fees, origination fees, or penalties. Sunbit is the kind, kind of payment. Find Sunbit Near You., Nov 28, 2022 · The AvantCard Credit Card offers a chance to build credit without a security deposit. You can determine your odds of approval through the card's pre-qualification process. The card offers a credit ... , See if you're pre-approved. Capital One supports 256-bit Transport Layer Security (TLS) technology. This means that when you are on our website, the data transferred between Capital One and you is encrypted and cannot be viewed by any other party. If you’ve submitted this form within the last 2 days, we may provide you with your most recent ..., Visit the Home Depot® Credit Card pre-qualification page. Enter your name, email address, phone number, and the last 4 digits of your Social Security number. Click the “Continue’ button and see if you are pre-qualified. To respond to a pre-approved offer in the mail, visit the issuer’s pre-approval page and enter the invitation code ..., Credit Card. 5 POINTS per $1 at the Camping World and Good Sam family of brands 1. 3 POINTS per $1 at private campgrounds & gas stations 2. 1 POINT per $1 everywhere else Visa® is accepted 2. 6 MONTHS SPECIAL FINANCING on in-store purchases over $299 at the Camping World and Good Sam family of brands 3. 2,000 BONUS POINTS the first time you ..., January 2, 2023 • Credit Cards. If you currently have a store credit card or have thought about getting one, there’s a good chance that it’s from Synchrony Bank. With more than 85 years of experience in the financial services industry, Synchrony partners with well-known retail brands across the country., What's required to apply for the Sam's Credit Card? Must be a current Sam’s Club Member. Must be a U.S. Citizen. Apply in the club or at https://www.samsclub.syf.com . Where can I use my Sam’s Club Credit Card? Use your Sam's Club Mastercard anywhere that Mastercard is accepted. How do I pay my credit card bill? , Oct 26, 2016 · Sam’s Club cards. These earn an impressive 5% on gas station purchases and 3% on dining and travel. If you already have a Sam’s Club membership then there is no annual fee and 5% is basically as good as it gets for gas station purchases. You can read our full review here. eBates card. This card earns 3% cash back on purchases made through ... , May 25, 2022 · Sam’s Club Plus membership costs $100 per year (although Sam’s sometimes offers a one-time price of $40 to join), with up to 16 additional accounts addable for $40 each. With BJ’s, the costs are very similar. , Select ‘My Account’. Select ‘Macy’s Credit Card’. Select the ‘Statements & Recent Activity’ button. In the ‘Download Statements’ section, choose the date and format of the statement you want to view or print, then select the ‘Download’ button. Select the PDF option if you are looking for an image that resembles a ... , Credit Card. 5 POINTS per $1 at the Camping World and Good Sam family of brands 1. 3 POINTS per $1 at private campgrounds & gas stations 2. 1 POINT per $1 everywhere else Visa® is accepted 2. 6 MONTHS SPECIAL FINANCING on in-store purchases over $299 at the Camping World and Good Sam family of brands 3. 2,000 BONUS POINTS the first time you ... , Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center. , At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ..., Nov 13, 2019 · You get 5% back on the first $6,000 per year on fuel purchases, including those at Sam’s Club locations. After $6,000, the fuel cash back drops to 1%. You get 3% back on qualified travel and dining purchases. You earn 1% back on any other purchase. There are no foreign transaction fees or annual fees for this card. , Jun 7, 2021 · Sydney Garth, Credit Cards Moderator. You might get a TJX Store Card pre-approval letter if you fit the issuer’s criteria for offering you one. Unfortunately, there’s no other way to check if you pre-qualify for this card. Getting pre-approved is only a soft pull on your credit, but it doesn’t guarantee your actual approval for the TJX ... , For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods. , Aug 4, 2023 · You can check for Synchrony Bank pre-approval online for certain credit cards by visiting the affiliated brand’s website before applying and filling out the required information. Generally, checking for pre-approval will help you assess your approval odds before submitting a credit card application. Just keep in mind that not all Synchrony ... , Mortgage pre-qualification is a review of your self-reported income, debts and assets by a lender to determine how you may be able to afford, the loan amount they may be willing to let you borrow based on their requirements and the loan programs available to you. Getting pre-qualified for a mortgage is optional and often considered the first ...