Features
Building Credit in College for Future Real Estate Deals
Most college students aren’t thinking about mortgages. But the students who buy their first investment property at 25 or 27 started building credit at 19 or 20. The two are directly connected.
Real estate is a game of capital access. Lenders don’t care how motivated you are – they care what your FICO score says. A 760+ score gets you prime mortgage rates. A 620 gets you higher interest and fewer options. The difference in monthly payments over a 30-year mortgage can be tens of thousands of dollars.
The window you have in college to build credit without major financial pressure is one of the most underused advantages Jewish students have.
Credit Foundations: Where To Start
Your credit score is built from five factors. Payment history makes up 35% – the largest single component. Credit utilization (how much of your available credit you’re using) accounts for 30%. Length of credit history, credit mix, and new inquiries cover the rest.
For most students, the first practical step is a secured credit card or a student credit card. Secured cards require a deposit that becomes your credit limit – typically $200-$500. They report to all three major bureaus and build history the same way unsecured cards do.
The rules are simple but require consistency. Pay the full balance every month. Keep utilization below 30% of your limit. Don’t apply for multiple cards in a short period. These habits compound over years – a student who starts at 18 has 7 years of credit history by the time they’re ready for a first mortgage.
One underused option: ask a parent or family member to add you as an authorized user on an older card with a clean payment history. You don’t need to use the card. The account’s age and payment history get added to your credit file immediately.
Researching Investment Options During Studies
Business, economics, and finance students regularly analyze real estate markets as part of their dissertation. That work isn’t just academic – it’s actual market research that doubles as preparation for real investing decisions.
However, balancing dataheavy analysis, market research, and exams often leads to extreme burnout. To survive the final semester, many students look for external support. Some of them use EduBirdie – best dissertation writing services for timely delivery and consistent quality on deliverables when the research load is heavy. Outsourcing the formatting and drafting frees up time to dig deeper into the actual market data that matters for real investment decisions. The analysis you build during college becomes your knowledge base before you ever make an offer.
Smart students treat every finance and real estate assignment as a portfolio of personal research. That perspective shifts the work from obligation to investment preparation.
How Student Loans Affect Your Future Mortgage
This is where many graduates get surprised. Student loan debt directly affects your debt-to-income ratio (DTI) – a key metric lenders use in mortgage approval. Most conventional lenders want your total monthly debt payments to stay below 43% of gross monthly income.
If you graduate with $40,000 in student loans at a standard repayment, your monthly payment is roughly $400. That $400 counts against your DTI before you add a car payment or rent. Managing your loan balance and making consistent payments not only builds credit – it keeps your DTI workable when you’re ready to buy.
Income-driven repayment plans can lower monthly payments but extend the loan period. For mortgage purposes, lenders typically use the actual monthly payment shown on your credit report when calculating DTI.
Practical Steps For Building Credit In College
Keep Utilization Low
Staying under 30% of your credit limit matters more than most students realize. If your card limit is $500, that means keeping your balance below $150 before the billing date. Paying in full each month handles this automatically.
Monitor Your Score Regularly
Free monitoring is available through Credit Karma, Experian, and most major banks. Checking your score doesn’t hurt it. Set up alerts for new inquiries, changes in balance, or any accounts you don’t recognize. Catching errors early prevents damage that takes months to fix.
Build Your Credit Mix Over Time
Lenders like to see that you can handle different types of credit. A student card, a small personal loan, and eventually a car loan create a credit mix in college that strengthens your profile. Don’t open accounts you don’t need, but don’t avoid credit out of fear either.
Here’s a practical credit-building checklist for college students:
- Open one student or secured credit card and use it monthly
- Pay the full balance before the due date every month
- Keep utilization below 30% at all times
- Become an authorized user on a parent’s old card if possible
- Check your credit report annually at AnnualCreditReport.com
- Make all student loan payments on time once they enter repayment
- Don’t close old accounts – account age matters
Understand What Mortgage Pre-Approval Requires
When you eventually apply for a mortgage, lenders will look at your FICO score, DTI, employment history, down payment, and reserves. The credit score threshold for a conventional loan is 620, but most competitive rates start at 740 and above. FHA loans allow scores down to 580 with a 3.5% down payment.
Starting to build credit at 18 or 19 means arriving at your first mortgage application with 6-8 years of credit history. That length alone adds 15% of your score. Combined with responsible utilization and clean payment history, you can realistically hit 740+ before you graduate.
The Long Game
Real estate investing after college isn’t a fantasy – it’s a planning problem. The students who pulled it off didn’t get lucky. They started building credit years before they needed it, kept their DTI manageable, and used their time in school to understand the markets they wanted to invest in.
The credit habits you build now are the credentials lenders will evaluate later. Start with one card, pay it in full, and let the history accumulate. Five years from now, that consistency becomes a mortgage approval and the keys to your first property.
Features
Musings from Dizengoff Street – by Bruce Brown
(August 8, 2026)
Outside Basimta Café in Central Jerusalem. Love the red shirt against a tiny sea of black. Not sure I am shrugging because of the ultra-orthodox uproar over a Jerusalem café operating on Shabbat or the lack of an ultra-orthodox uproar over a Jerusalem café operating on Shabbat. For the last six weeks Israeli headlines shouted about the cafe chaos. With the ultra-religious blocking entrances and storming the café. While shouting ‘Shabbos! Shabbos!’ Upsetting the secular amongst us just wanting to enjoy our Saturday iced matchas. So the wife and I thought we would check it out. And. Yes. Buy something to support the business. Uproar. Not. Blocked entrances. Not. Storming the café. Not. Albeit there were police barriers separating the devout protesters from the coffee drinkers. The protesters being just a few dozen black clad, pious Jews. Mostly teenagers. And yes. Shouting ‘Shabbos! Shabbos!’ Certainly underwhelming in its reported mayhem. Reminds me of the famous saying misattributed to Mark Twain – “If you don’t read the newspaper, you’re uninformed. If you do, you’re misinformed.” But I did enjoy my iced matcha.
(August 6, 2026)
Here we go again. Another round of forever negotiations. As someone who negotiates for a living. The way things are going in the straits. If I had to recommend a book on the subject to a new hire. Between The Art of the Deal, A Presidential Edition by Donald J. Trump or The Real Art of the Deal by the Mullahs of Iran with a special forward by the IRGC. Well. I would choose the latter.
(August 3)
Bravo Yoav Segalovitz, Liberal Yesh Atid MK and Monsour Abbas, United Arab Ra’am MK and party head. For breaking a glass ceiling where a Jewish lawmaker joins an Arab political party. No less a political earthquake in my little shtetl. Which can significantly impact coalition block arithmetic and posturing and strategy in the upcoming elections. Now Ra’am can be considered a legitimate ‘Zionist’ partner when forming coalition blocks and potentially pushing the ‘center left/right’ party over the 60 seat majority threshold. In our crazy parliamentary democracy defined by a multi-party (about fourteen!!), proportional representation system. To paraphrase Winston Churchill, Israel’s proportional representation model of governance is the best parliamentary democracy system except for all other forms of working democracies. Stay tuned for more amateurish political musings as we move towards Israel’s 26th national election – five of them held since 2019.
(August 1)
Although both sides say they are open to diplomacy. Neither really trusts the other. And American military action, or its threat, continues. I read headlines in the middle of the night -it’s a nervous habit lately– that the Dynamic Duo of Trump and Netanyahu may again strike in unison. Possibly this weekend. Yikes! Prompting me, at 2:30 AM, to dash around the house stocking my safe room. Bottled water. Canned food. Medicines. Documents. The beat goes on….
If it’s crazy here. It’s insane in Italy. With a recent online ‘Jew Hunt’ in the Milan area. Before being removed, the digital forms urged reportings of Israelis and Italian Jews staying in local hotels. The infamous Global Sumud Movement -yes, the one coordinating ‘peace and humanitarian’ flotillas to Gaza- was somehow connected. Although they deny involvement?! This deranged decree was looking to identify Zionist tourism and Zionist neo-colonization in Italy. I’ll stick with stocking the saferoom.
Then there’s New York Mayor Mamdani, a Global Sumud Movement supporter, threatening to arrest Prime Minister Netanyahu if he comes to New York. But since discovered he has no legal right for such a grandstanding, antisemitic, anti-Israel, anti-Western, anti-democratic antic. Maybe Mandami should be arrested! Or at least impeached. For being a grandstanding, antisemitic, anti-Israel, anti-Western, anti-democratic mayor.
Here’s a post Bruce sent us Friday, July 31:
WARTIME MUSINGS
Should credible threats against FLOTUS and ‘FSOTUS’ (first son..) not be justification to attack first.
As for yesterday’s summit. Netanyahu really can’t win. Explainer. If Trump now attacks without victory its ’cause of Netanyahu. If Trump now attacks with victory its ’cause of Trump. And, in Israel, if Trump doesn’t attack -victory or not- Netanyahu failed in his eighth meeting with Trump. And if Trump does attack -victory or not- half the country will vilify Bibi anyway. Missing a permutation?
Ya. I know. Kinda’ need a definition of victory for that musing to work.
And here in my little shtetle. We go to sleep unsure if there will be a code red in the middle of the night. And if not. We wake up thinking it will be tonight. How do you define stress?
Seemed like an appropriate way to end this musing.
Bruce Brown is a former Winnipegger who made aliyah to Israel over 35 years ago. Bruce first began writing for us – in his own inimitable style, in 2012, during what was known as “Operation Pillar of Defense.” His occasional musings on aspects of life in Israel that were far from what you’d typically read in other reports from Israel were hugely popular – both in the print Jewish Post & News and on this website.
We’re now glad to report that Bruce is back writing for us – this time on a regular basis. We will post Bruce’s reports as they arrive – with the date of each post at the beginning of that post.
Here’s some information about Bruce – and awards he’s received for his writing:
Bruce Brown. Canadian born. Now living in Israel (for a long time). Bruce works in Israel’s hi-tech sector by day and, in spurts, is a somewhat inspired writer by night. He received the American Jewish Press Association’s award for writing excellence in 2019 and 2025. And wrote the 1998 satire, “An Israeli is….” Bruce’s musings are political, social, economic and personal. With lots of biting, contrarian, sardonic and irreverent insight.
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Features
Israel pavilion ambassadors – then and now
By BERNIE BELLAN Given that Folklorama is on again and the Israel pavilion – Shalom Square, is in full swing, I thought it timely to resurrect an article I first posted to this website in August 2023.
But before reading that article, I wanted you to see who this year’s ambassadors are for Shalom Square:
It was back in 2023, however, that I set out to answer a question that I had asked our readers to help answer: Where was the very first Israel pavilion located? Some readers had thought it was the Golden Age Club, which used to be located on Pritchard and Salter. But others weren’t so sure. Here then is what I wrote back in August 2023 – when, with the help of a librarian at the Winnipeg Public Library, I was able to solve the riddle of where the first Israel pavilion was located:
It was earlier in August 2023 that I had raised a number of questions about the history of the Israel pavilion at Folklorama.
Among those questions were: Where was the first Israel pavilion located and when did the Israel pavilion actually become a permanent fixture in the YMHA on Hargrave (before moving to its current home in the Asper Campus)?
As part of my search for answers to those questions I turned to David Cohen, who had long been the coordinator of the Israel pavilion when it was located on Hargrave, but who didn’t step into that role until 1975.
David thought that the Israel pavilion hadn’t moved to Hargrave until 1974, but he wasn’t sure where the first Israel pavilion had been located.
I tried to find information using the Winnipeg Public Library online digital archive. In case you didn’t know, anyone with a library card can access the library’s online archive. You can also have access to newspaperarchive.com through the library’s digital archive. Newspaperarchive.com is an invaluable reference tool for journalists especially – or anyone wanting to access old newspaper archives, for that matter, but ordinarily you would need a subscription to newspaperarchive.com in order to use it. For some reason, however, the search function in the Winnipeg Public Library’s digital search engine didn’t produce results when I entered the word “Folklorama.”
As a result I called the Winnipeg Public Library for assistance and received great help from someone by the name of Louis-Phillipe. After taking my information, Louis-Phillipe phoned me to say that he had found out that the library had compiled a file of press clippings related to Folklorama going back to the very first year, 1970.
Further, Louis-Phillipe said, he had found a list of the 22 pavilions in that first year of Folklorama, along with where they were located. It turns out that the Israel pavilion was actually located in two different venues that first year: the Rosh Pina and the Shaarey Zedek.
The next day I also heard from reader Phyllis Dana, who confirmed that the Israel Pavilion had been in both synagogues. Phyllis also remembered that the only food served that first year was honey cake.
But the pièce de resistance came when I heard from reader Marilyn Breitman (née Stitz), who now lives in Calgary, when she phoned me on Monday, August 21 (which is when she received the August 16 issue of the paper with my story about Folklorama).
Marilyn told me that, not only did she remember that the first Israel pavilion alternated between the Rosh Pina and the Shaarey Zedek, she had actually been the female representative of the Israel pavilion that first year. Her title, Marilyn said, was simply “Jewish.”
But, as you might also recall, the entire confusion over where the first Israel pavilion was located began with an email I had received from Roz Greenfeld, who had written to correct my mistake when I had written in the August 2 issue that the Israel pavilion had been located in the YMHA from the very beginning.
Roz pointed out that, in 1971, the second year of Folklorama, the Israel pavilion was located in “Council House” or, as it was better known, “The Golden Age Club,” on Pritchard and Salter. How did she remember that? Roz was the female representative of the pavilion that year. Her title, as I found out was “Miss Judea,” she said.
So, if the Israel pavilion was located at both the Rosh Pina and Shaarey Zedek in that first year of Folkorama, and in the Golden Age Club that second year, where was it after that?
It was left to Jewish Heritage Centre of Western Canada archivist Andrew Morrison to come up with the answer to that question. Andrew informed me that the Israel pavilion did indeed move to the YMHA in 1972 and remained there for the next 25 years, until it moved to the Asper Campus in 1997.
There was a further footnote to the story, which is when I decided to try my luck with the Winnipeg Public Library’s online archive one more time. This time, rather than searching for “Folklorama,” I tried searching for old copies of both the Free Press and the Tribune from August 1970. I did manage to get results for the Tribune and when I entered a specific search within the Tribune I found a picture of all the famale representatives of pavilions – in bathing suits.
It turned out – and this was corroborated by both Marilyn Breitman and Roz Greenfeld, the female representatives had to parade in unison – in bathing suits, as part of Folklorama festivities. Each year, as well, a queen of Folklorama was chosen. Neither Marilyn nor Roz was made queen, both of them told me, although Roz was voted “Miss Congeniality.”
In addition to finding out about the early days of the Israel pavilion, I also learned that the Chai dancers were not regular performers at the Israel pavilion in those early years – as they eventually did become. Chai performers would dance only one night in those first years, with other entertainment the other nights.
I did enlist Andrew Morrison’s help once again and did find that Chai performed only one evening during the first few years of Folklorama – from 1970 to 1976. In 1977 Chai began performing every night of Folklorama, but there were other performers on hand as well, including Jerry Maslowsky and Rabbi Yosel Rosenzweig. In 1978 the Chai Folk Ensemble was the featured entertainment every evening; however, a notice that appeared in our paper did say that whistler Harvey Pollock would “be on hand” to entertain – whatever that meant.
While some may wonder of what earth shaking importance all this is, I ask: Isn’t it fun to look back in time – for just a little while, instead of worrying about more immediate problems, such as global warming, inflation, terrorist attacks in Israel, and whether Donald Trump will be president while he’s in jail?
