Andrew: OK. Well, that makes it a little easier to think that. I guess I always thought it would be better just to have 20% down.
Sean: When you’re serious about home buying, you’ll be able to do all this research. We have tons of articles for you at NerdWallet.
Liz: And calculators and everything else you need. And yeah, 20% is great if you can swing it; 3.5%, 5%, maybe 10% at the max is probably more realistic for most people.
Sean: And you’re also interested in utilizing credit cards more in 2022. Is that right?
Andrew: Yeah. I would like to maybe get a new credit card or at least utilize the points, the different credit cards to my greatest advantage. Whether it be for business purchases or just for leisure, trying to get the most out of what I can. And I know NerdWallet’s great with that type of stuff. I mean, I think looking way back in 2016, when I was first looking up different kinds of credit cards, NerdWallet was the first thing that popped up.
Sean: We work hard to be at the top of Google. So, we’re doing our job. Yeah.
Liz: Well, and as you probably know, the biggest payoff is actually with the sign-up bonuses. When you get a new card, you can get a hundred thousand points or a hundred thousand miles or something like that. And you typically have to spend a certain amount in the first few months — you might have to spend $5,000 in the first three months or whatever.