1<!DOCTYPE html> 2<html lang="en-US"> 3<head> 4 <meta charset="UTF-8"> 5 <meta name="viewport" content="width=device-width, initial-scale=1"> 6 <title>How Credit Utilization Affects You and Your Credit Score</title>
7<script>window.dataLayer=window.dataLayer||[];</script>
7 8 9<!-- The SEO Framework by Sybre Waaijer --> 10<meta name="robots" content="max-snippet:-1,max-image-preview:large,max-video-preview:-1" /> 11<link rel="canonical" href="https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/" /> 12<meta name="description" content="If youâve been reading my column for any time now, you know how important your credit score can be. You also might know that there are several factors thatâ¦" /> 13<meta property="og:type" content="article" /> 14<meta property="og:locale" content="en_US" /> 15<meta property="og:site_name" content="Southern Bancorp Community Partners" /> 16<meta property="og:title" content="How Credit Utilization Affects You and Your Credit Score" /> 17<meta property="og:description" content="If youâve been reading my column for any time now, you know how important your credit score can be. You also might know that there are several factors that affect how your score is formulated. Todayâ¦" /> 18<meta property="og:url" content="https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/" /> 19<meta property="og:image" content="https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png" /> 20<meta property="og:image:width" content="2100" /> 21<meta property="og:image:height" content="1051" /> 22<meta property="article:published_time" content="2021-10-08T22:21:53+00:00" /> 23<meta property="article:modified_time" content="2021-10-08T22:21:55+00:00" /> 24<meta name="twitter:card" content="summary_large_image" /> 25<meta name="twitter:title" content="How Credit Utilization Affects You and Your Credit Score" /> 26<meta name="twitter:description" content="If youâve been reading my column for any time now, you know how important your credit score can be. You also might know that there are several factors that affect how your score is formulated. Todayâ¦" /> 27<meta name="twitter:image" content="https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png" />
28<script type="application/ld+json">{"@context":"https://schema.org","@graph":[{"@type":"WebSite","@id":"https://southernpartners.org/#/schema/WebSite","url":"https://southernpartners.org/","name":"Southern Bancorp Community Partners","description":"Lifting Communities. Changing Lives.","inLanguage":"en-US","potentialAction":{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://southernpartners.org/search/{search_term_string}/"},"query-input":"required name=search_term_string"},"publisher":{"@type":"Organization","@id":"https://southernpartners.org/#/schema/Organization","name":"Southern Bancorp Community Partners","url":"https://southernpartners.org/","logo":{"@type":"ImageObject","url":"https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png","contentUrl":"https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png","width":2100,"height":1051,"contentSize":"30887"}}},{"@type":"WebPage","@id":"https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/","url":"https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/","name":"How Credit Utilization Affects You and Your Credit Score","description":"If youâve been reading my column for any time now, you know how important your credit score can be. You also might know that there are several factors thatâ¦","inLanguage":"en-US","isPartOf":{"@id":"https://southernpartners.org/#/schema/WebSite"},"breadcrumb":{"@type":"BreadcrumbList","@id":"https://southernpartners.org/#/schema/BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":"https://southernpartners.org/","name":"Southern Bancorp Community Partners"},{"@type":"ListItem","position":2,"item":"https://southernpartners.org/topics/financial-fitness-blog/","name":"Category: Financial Fitness Blog"},{"@type":"ListItem","position":3,"name":"How Credit Utilization Affects You and Your Credit Score"}]},"potentialAction":{"@type":"ReadAction","target":"https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/"},"datePublished":"2021-10-08T22:21:53+00:00","dateModified":"2021-10-08T22:21:55+00:00","author":{"@type":"Person","@id":"https://southernpartners.org/#/schema/Person/4f0cce5b7acf8d3dffa53f0509971754","name":"Dakota Felder"}}]}</script>
28 29<!-- / The SEO Framework by Sybre Waaijer | 11.12ms meta | 7.60ms boot --> 30 31<link rel='dns-prefetch' href='//www.googletagmanager.com' /> 32<link rel="alternate" type="application/rss+xml" title="Southern Bancorp Community Partners » Feed" href="https://southernpartners.org/feed/" /> 33<link rel="alternate" title="oEmbed (JSON)" type="application/json+oembed" href="https://southernpartners.org/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fsouthernpartners.org%2Ffinancial-fitness-blog%2Fhow-credit-utilization-affects-you-and-your-credit-score%2F" /> 34<link rel="alternate" title="oEmbed (XML)" type="text/xml+oembed" href="https://southernpartners.org/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fsouthernpartners.org%2Ffinancial-fitness-blog%2Fhow-credit-utilization-affects-you-and-your-credit-score%2F&format=xml" /> 35<style id="wp-img-auto-sizes-contain-inline-css"> 36img:is([sizes=auto i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px} 37/*# sourceURL=wp-img-auto-sizes-contain-inline-css */ 38</style> 39<link rel='stylesheet' id='sbcp-cookieconsent-css' href='https://southernpartners.org/wp-content/mu-plugins/sbcp-cookie-consent/assets/cookieconsent.css?ver=3.0.3' media='all' /> 40<style id="sbcp-cookieconsent-inline-css"> 41 42:root { 43 --cc-font-family: var(--sp-type-family-sans, "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif); 44 45 --cc-btn-primary-bg: var(--sp-color-section-brand-action-bg, #66c9f5); 46 --cc-btn-primary-color: var(--sp-color-section-brand-action-text, #0a3254); 47 --cc-btn-primary-border-color: var(--sp-color-section-brand-action-bg, #66c9f5); 48 --cc-btn-primary-hover-bg: var(--sp-color-section-brand-action-hover-bg, #eaf8ff); 49 --cc-btn-primary-hover-color: var(--sp-color-section-brand-action-text, #0a3254); 50 --cc-btn-primary-hover-border-color: var(--sp-color-section-brand-action-hover-bg, #eaf8ff); 51 52 --cc-btn-secondary-bg: transparent; 53 --cc-btn-secondary-color: var(--sp-component-footer-text, #f4f4f4); 54 --cc-btn-secondary-border-color: var(--sp-component-footer-action-border, rgb(255 255 255 / 0.3)); 55 --cc-btn-secondary-hover-bg: var(--sp-component-footer-action-hover-bg, rgb(255 255 255 / 0.08)); 56 --cc-btn-secondary-hover-color: var(--sp-component-footer-link-hover, #ffffff); 57 --cc-btn-secondary-hover-border-color: var(--sp-color-border-inverse-strong, rgb(255 255 255 / 0.24)); 58 59 --cc-primary-color: var(--sp-color-text-strong, #161616); 60 --cc-secondary-color: var(--sp-color-text-muted, #525252); 61 --cc-toggle-on-bg: var(--sp-color-action-primary-bg, #005a8b); 62 --cc-toggle-off-bg: var(--sp-color-border-strong, #8d8d8d); 63 --cc-link-color: var(--sp-color-link-default, #005a8b); 64 --cc-separator-border-color: var(--sp-color-border-subtle, #e0e0e0); 65 --cc-cookie-category-block-bg: var(--sp-color-layer-1, #f4f4f4); 66 --cc-cookie-category-block-border: var(--sp-color-border-subtle, #e0e0e0); 67 --cc-btn-border-radius: var(--sp-layout-radius-sm, 0.375rem); 68 --cc-modal-border-radius: var(--sp-layout-radius-md, 0.75rem); 69} 70 71#cc-main .cm { 72 --cc-bg: color-mix(in srgb, var(--sp-component-footer-bg, #0a3254) 72%, #000000 28%); 73 --cc-primary-color: var(--sp-component-footer-text, #f4f4f4); 74 --cc-secondary-color: var(--sp-component-footer-muted, rgb(244 244 244 / 0.72)); 75} 76 77.cc--darkmode #cc-main .cm, 78#cc-main.cc--darkmode .cm { 79 --cc-bg: color-mix(in srgb, var(--sp-component-footer-bg, #0a3254) 62%, #000000 38%); 80} 81 82#cc-main .cm__title { 83 color: var(--sp-component-footer-text, #f4f4f4); 84 font-size: var(--sp-type-size-meta, 0.85rem); 85 font-weight: var(--sp-type-weight-semibold, 600); 86 line-height: var(--sp-type-line-height-copy, 1.3); 87} 88 89#cc-main .cm__desc { 90 font-size: var(--sp-type-size-label, 0.8rem); 91 line-height: var(--sp-type-line-height-copy, 1.3); 92} 93 94#cc-main .cm__title + .cm__desc { 95 margin-top: var(--sp-ref-space-2, 0.5rem); 96} 97 98#cc-main .cm__btn { 99 font-size: var(--sp-type-size-label, 0.8rem); 100 font-weight: var(--sp-type-weight-medium, 500); 101 padding: var(--sp-ref-space-2, 0.5rem) var(--sp-space-2, 1rem); 102 transition: 103 background-color var(--sp-motion-duration-fast, 120ms) var(--sp-motion-ease-standard, cubic-bezier(0.2, 0, 0, 1)), 104 border-color var(--sp-motion-duration-fast, 120ms) var(--sp-motion-ease-standard, cubic-bezier(0.2, 0, 0, 1)), 105 color var(--sp-motion-duration-fast, 120ms) var(--sp-motion-ease-standard, cubic-bezier(0.2, 0, 0, 1)); 106} 107 108#cc-main .cm__btn:focus-visible, 109#cc-main .pm__btn:focus-visible { 110 outline: var(--sp-state-focus-ring-width, 2px) solid var(--sp-state-focus-ring-color, #005a8b); 111 outline-offset: var(--sp-state-focus-ring-offset, 2px); 112} 113 114#cc-main .cm__texts { 115 min-width: 400px; 116 padding-top: var(--sp-space-2, 1rem); 117} 118 119#cc-main .cm--bar .cm__body { 120 padding: var(--sp-ref-space-2, 0.5rem) 0 var(--sp-ref-space-3, 0.75rem); 121} 122 123#cc-main .cm__btns { 124 border-top: none !important; 125} 126 127#cc-main .cm .cm__btn-group { 128 display: contents !important; 129} 130 131#cc-main .cm .cm__btns { 132 display: flex !important; 133 align-items: center; 134 flex-direction: row !important;
135 gap: var(--sp-ref-space-3, 0.75rem); 136 max-width: none !important; 137} 138 139#cc-main .cm__btn[data-role="show"] { order: 1 !important; } 140#cc-main .cm__btn[data-role="all"] { order: 2 !important; } 141 142#cc-main .cm .cm__btns::before, 143#cc-main .cm .cm__btns::after { 144 display: none !important; 145} 146 147#cc-main .cm--flip .cm__btn + .cm__btn, 148#cc-main .cm--flip .cm__btn-group + .cm__btn-group { 149 margin-bottom: 0 !important; 150 margin-top: 0 !important; 151} 152 153@media (max-width: 980px) { 154 #cc-main .cm__texts { 155 min-width: 0; 156 } 157 158 #cc-main .cm--bar.cm--inline .cm__body { 159 flex-direction: column !important; 160 } 161 162 #cc-main .cm .cm__btns { 163 gap: var(--sp-ref-space-3, 0.75rem) !important; 164 width: 100%; 165 } 166 167 #cc-main .cm__btn { 168 white-space: nowrap; 169 } 170} 171 172@media (max-width: 580px) { 173 #cc-main .cm .cm__btns { 174 flex-wrap: wrap !important; 175 gap: var(--sp-ref-space-2, 0.5rem) !important; 176 } 177 178 #cc-main .cm__btn[data-role="show"] { order: 1 !important; min-width: 0 !important; } 179 #cc-main .cm__btn[data-role="all"] { order: 2 !important; flex: 1 1 40% !important; min-width: 0 !important; } 180 181 #cc-main .cm__btn { 182 width: auto !important; 183 } 184 185 #cc-main .cm--bar .cm__body { 186 padding: var(--sp-ref-space-2, 0.5rem) 0 var(--sp-ref-space-1, 0.25rem); 187 } 188} 189 190#cc-main .pm, 191.cc--darkmode #cc-main .pm, 192#cc-main.cc--darkmode .pm { 193 --cc-bg: var(--sp-color-layer-2, #ffffff); 194 --cc-primary-color: var(--sp-color-text-strong, #161616); 195 --cc-secondary-color: var(--sp-color-text-muted, #525252); 196 --cc-btn-primary-bg: var(--sp-color-action-primary-bg, #005a8b); 197 --cc-btn-primary-color: var(--sp-color-action-primary-text, #ffffff); 198 --cc-btn-primary-border-color: var(--sp-color-action-primary-bg, #005a8b); 199 --cc-btn-primary-hover-bg: var(--sp-color-action-primary-hover-bg, #0a3254); 200 --cc-btn-primary-hover-color: var(--sp-color-action-primary-text, #ffffff); 201 --cc-btn-primary-hover-border-color: var(--sp-color-action-primary-hover-bg, #0a3254); 202 --cc-btn-secondary-bg: transparent; 203 --cc-btn-secondary-color: var(--sp-color-text-strong, #161616); 204 --cc-btn-secondary-border-color: var(--sp-color-border-subtle, #e0e0e0); 205 --cc-btn-secondary-hover-bg: var(--sp-color-layer-hover, #f4f4f4); 206 --cc-btn-secondary-hover-color: var(--sp-color-text-strong, #161616); 207 --cc-btn-secondary-hover-border-color: var(--sp-color-border-selected, #005a8b); 208 --cc-separator-border-color: var(--sp-color-border-subtle, #e0e0e0); 209 --cc-section-category-border: var(--sp-color-border-subtle, #e0e0e0); 210 --cc-cookie-category-block-bg: var(--sp-color-layer-1, #f4f4f4); 211 --cc-cookie-category-block-border: var(--sp-color-border-subtle, #e0e0e0); 212 --cc-cookie-category-block-hover-bg: var(--sp-color-layer-hover, #f4f4f4); 213 --cc-cookie-category-block-hover-border: var(--sp-color-border-selected, #005a8b); 214 --cc-cookie-category-expanded-block-bg: var(--sp-color-layer-1, #f4f4f4); 215 --cc-cookie-category-expanded-block-hover-bg: var(--sp-color-border-subtle, #e0e0e0); 216 --cc-footer-bg: var(--sp-color-layer-1, #f4f4f4); 217 --cc-footer-color: var(--sp-color-text-muted, #525252); 218 --cc-footer-border-color: var(--sp-color-border-subtle, #e0e0e0); 219 --cc-toggle-on-bg: var(--sp-color-action-primary-bg, #005a8b); 220 --cc-toggle-off-bg: var(--sp-color-border-strong, #8d8d8d); 221 --cc-toggle-on-knob-bg: var(--sp-color-layer-2, #ffffff); 222 --cc-toggle-off-knob-bg: var(--sp-color-layer-2, #ffffff); 223 --cc-toggle-enabled-icon-color: var(--sp-color-action-primary-bg, #005a8b); 224 --cc-toggle-disabled-icon-color: var(--sp-color-border-strong, #8d8d8d); 225 --cc-toggle-readonly-bg: var(--sp-color-border-subtle, #e0e0e0); 226 --cc-toggle-readonly-knob-bg: var(--sp-color-layer-2, #ffffff); 227 --cc-toggle-readonly-knob-icon-color: var(--sp-color-border-strong, #8d8d8d); 228 color-scheme: light; 229} 230 231#cc-main .pm__section--toggle .pm__section-title { 232 color: var(--cc-primary-color); 233} 234 235#cc-main .pm__section--toggle .pm__section-desc-wrapper { 236 background: var(--cc-bg); 237 color: var(--cc-secondary-color); 238} 239 240#cc-main .pm__section--expandable .pm__section-arrow svg { 241 stroke: var(--cc-secondary-color); 242} 243 244#cc-main .pm__btn[data-role="necessary"] { 245 background: transparent; 246 border-color: var(--sp-color-border-subtle, #e0e0e0); 247 color: var(--sp-color-text-strong, #161616); 248} 249 250#cc-main .pm__btn[data-role="necessary"]:hover {
251 background: var(--sp-color-layer-hover, #f4f4f4); 252 border-color: var(--sp-color-border-selected, #005a8b); 253} 254 255/*# sourceURL=sbcp-cookieconsent-inline-css */ 256</style> 257<style id="wp-emoji-styles-inline-css"> 258 259 img.wp-smiley, img.emoji { 260 display: inline !important; 261 border: none !important; 262 box-shadow: none !important; 263 height: 1em !important; 264 width: 1em !important; 265 margin: 0 0.07em !important; 266 vertical-align: -0.1em !important; 267 background: none !important; 268 padding: 0 !important; 269 } 270/*# sourceURL=wp-emoji-styles-inline-css */ 271</style> 272<style id="wp-block-library-inline-css"> 273:root{--wp-block-synced-color:#7a00df;--wp-block-synced-color--rgb:122,0,223;--wp-bound-block-color:var(--wp-block-synced-color);--wp-editor-canvas-background:#ddd;--wp-admin-theme-color:#007cba;--wp-admin-theme-color--rgb:0,124,186;--wp-admin-theme-color-darker-10:#006ba1;--wp-admin-theme-color-darker-10--rgb:0,107,160.5;--wp-admin-theme-color-darker-20:#005a87;--wp-admin-theme-color-darker-20--rgb:0,90,135;--wp-admin-border-width-focus:2px}@media (min-resolution:192dpi){:root{--wp-admin-border-width-focus:1.5px}}.wp-element-button{cursor:pointer}:root .has-very-light-gray-background-color{background-color:#eee}:root .has-very-dark-gray-background-color{background-color:#313131}:root .has-very-light-gray-color{color:#eee}:root .has-very-dark-gray-color{color:#313131}:root .has-vivid-green-cyan-to-vivid-cyan-blue-gradient-background{background:linear-gradient(135deg,#00d084,#0693e3)}:root .has-purple-crush-gradient-background{background:linear-gradient(135deg,#34e2e4,#4721fb 50%,#ab1dfe)}:root .has-hazy-dawn-gradient-background{background:linear-gradient(135deg,#faaca8,#dad0ec)}:root .has-subdued-olive-gradient-background{background:linear-gradient(135deg,#fafae1,#67a671)}:root .has-atomic-cream-gradient-background{background:linear-gradient(135deg,#fdd79a,#004a59)}:root .has-nightshade-gradient-background{background:linear-gradient(135deg,#330968,#31cdcf)}:root .has-midnight-gradient-background{background:linear-gradient(135deg,#020381,#2874fc)}:root{--wp--preset--font-size--normal:16px;
273--wp--preset--font-size--huge:42px}.has-regular-font-size{font-size:1em}.has-larger-font-size{font-size:2.625em}.has-normal-font-size{font-size:var(--wp--preset--font-size--normal)}.has-huge-font-size{font-size:var(--wp--preset--font-size--huge)}:root .has-text-align-center{text-align:center}:root .has-text-align-left{text-align:left}:root .has-text-align-right{text-align:right}.has-fit-text{white-space:nowrap!important}#end-resizable-editor-section{display:none}.aligncenter{clear:both}.items-justified-left{justify-content:flex-start}.items-justified-center{justify-content:center}.items-justified-right{justify-content:flex-end}.items-justified-space-between{justify-content:space-between}.screen-reader-text{word-wrap:normal!important;border:0;clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px;word-break:normal!important}.screen-reader-text:focus{background-color:#ddd;clip-path:none;color:#444;display:block;font-size:1em;height:auto;left:5px;line-height:normal;padding:15px 23px 14px;text-decoration:none;top:5px;width:auto;z-index:100000}html :where(.has-border-color){border-style:solid}html :where([style^=border-color],[style*=";border-color"],[style*="; border-color"]){border-style:solid}html :where([style^=border-top-color],[style*=";border-top-color"],[style*="; border-top-color"]){border-top-style:solid}html :where([style^=border-right-color],[style*=";border-right-color"],[style*="; border-right-color"]){border-right-style:solid}html :where([style^=border-bottom-color],[style*=";border-bottom-color"],[style*="; border-bottom-color"]){border-bottom-style:solid}html :where([style^=border-left-color],[style*=";border-left-color"],[style*="; border-left-color"]){border-left-style:solid}html :where([style^=border-width],[style*=";border-width"],[style*="; border-width"]){border-style:solid}html :where([style^=border-top-width],[style*=";border-top-width"],[style*="; border-top-width"]){border-top-style:solid}html :where([style^=border-right-width],[style*=";border-right-width"],[style*="; border-right-width"]){border-right-style:solid}html :where([style^=border-bottom-width],[style*=";border-bottom-width"],[style*="; border-bottom-width"]){border-bottom-style:solid}html :where([style^=border-left-width],[style*=";border-left-width"],[style*="; border-left-width"]){border-left-style:solid}html :where(img[class*=wp-image-]){height:auto;max-width:100%}:where(figure){margin:0 0 1em}html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:var(--wp-admin--admin-bar--height,0px)}@media screen and (max-width:600px){html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:0px}} 274 275/*# sourceURL=/wp-includes/css/dist/block-library/common.min.css */ 276</style> 277<style id="wp-block-paragraph-inline-css"> 278.is-small-text{font-size:.875em}.is-regular-text{font-size:1em}.is-large-text{font-size:2.25em}.is-larger-text{font-size:3em}.has-drop-cap:not(:focus):first-letter{float:left;font-size:8.4em;font-style:normal;font-weight:100;line-height:.68;margin:.05em .1em 0 0;text-transform:uppercase}body.rtl .has-drop-cap:not(:focus):first-letter{float:none;margin-left:.1em}p.has-drop-cap.has-background{overflow:hidden}:root :where(p.has-background){padding:1.25em 2.375em}:where(p.has-text-color:not(.has-link-color)) a{color:inherit}p.has-text-align-left[style*="writing-mode:vertical-lr"],p.has-text-align-right[style*="writing-mode:vertical-rl"]{rotate:180deg} 279/*# sourceURL=https://southernpartners.org/wp-includes/blocks/paragraph/style.min.css */ 280</style> 281 282 283<style id="global-styles-inline-css"> 284:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--color--text-primary: #393939;--wp--preset--color--text-strong: #161616;--wp--preset--color--text-muted: #525252;--wp--preset--color--text-inverse: #ffffff;--wp--preset--color--gray-50: #fafafa;--wp--preset--color--gray-100: #f4f4f4;--wp--preset--color--gray-200: #e0e0e0;--wp--preset--color--gray-300: #c6c6c6;--wp--preset--color--gray-400: #a8a8a8;--wp--preset--color--gray-500: #8d8d8d;--wp--preset--color--gray-600: #6f6f6f;--wp--preset--color--gray-700: #525252;--wp--preset--color--gray-800: #393939;--wp--preset--color--gray-900: #262626;--wp--preset--color--gray-950: #161616;--wp--preset--color--primary-50: #eaf8ff;--wp--preset--color--primary-300: #66c9f5;--wp--preset--color--primary-500: #008bd1;--wp--preset--color--primary-700: #005a8b;--wp--preset--color--primary-900: #0a3254;--wp--preset--color--accent: #005a8b;--wp--preset--color--layer-canvas: #ffffff;--wp--preset--color--layer-1: #f4f4f4;--wp--preset--color--layer-2: #ffffff;--wp--preset--color--layer-3: #e0e0e0;--wp--preset--color--border-subtle: #e0e0e0;--wp--preset--color--border-strong: #8d8d8d;--wp--preset--color--action-primary: #005a8b;--wp--preset--color--action-primary-text: #ffffff;--wp--preset--color--action-secondary: #0a3254;--wp--preset--color--action-secondary-text: #ffffff;--wp--preset--color--header-start: #008bd1;--wp--preset--color--header-end: #0a3254;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgb(6,147,227) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgb(252,185,
2840) 0%,rgb(255,105,0) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgb(255,105,0) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--font-size--sm: 0.875rem;--wp--preset--font-size--base: 1rem;--wp--preset--font-size--lg: 1.1rem;--wp--preset--font-size--xl: 1.5rem;--wp--preset--font-size--heading-6: 1rem;--wp--preset--font-size--heading-5: 1.1rem;--wp--preset--font-size--heading-4: 1.25rem;--wp--preset--font-size--heading-3: clamp(1.375rem, 1.25rem + 0.4vw, 1.5rem);--wp--preset--font-size--heading-2: clamp(1.625rem, 1.35rem + 0.9vw, 2rem);--wp--preset--font-size--heading-1: clamp(2rem, 1.55rem + 1.45vw, 2.5rem);--wp--preset--font-size--display: clamp(2.25rem, 1.55rem + 2.25vw, 3rem);--wp--preset--font-family--heading: "Glober-Bold", "Glober-Regular", "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--wp--preset--font-family--display: "GloberExtraBold", "Glober-Bold", "Glober-Regular", "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--wp--preset--font-family--sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--spacing--2: 0.5rem;--wp--preset--spacing--4: 1rem;--wp--preset--spacing--6: 1.5rem;--wp--preset--spacing--8: 2rem;--wp--preset--spacing--12: 3rem;--wp--preset--spacing--16: 4rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgb(255, 255, 255), 6px 6px rgb(0, 0, 0);--wp--preset--shadow--crisp: 6px 6px 0px rgb(0, 0, 0);}.wp-block-button{--wp--preset--dimension--25: 25%;--wp--preset--dimension--50: 50%;--wp--preset--dimension--75: 75%;--wp--preset--dimension--100: 100%;}:root { --wp--style--global--content-size: 75rem;--wp--style--global--wide-size: 75rem; }:where(body) { margin: 0; }.wp-site-blocks > .alignleft { float: left; margin-right: 2em; }.wp-site-blocks > .alignright { float: right; margin-left: 2em; }.wp-site-blocks > .aligncenter { justify-content: center; margin-left: auto; margin-right: auto; }:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}.is-layout-flow > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-flow > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-flow > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-constrained > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-constrained > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained >
284 :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width: var(--wp--style--global--content-size);margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignwide{max-width: var(--wp--style--global--wide-size);}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}body{background-color: var(--wp--preset--color--layer-canvas);color: var(--wp--preset--color--text-primary);font-family: var(--wp--preset--font-family--sans);font-size: var(--wp--preset--font-size--base);line-height: 1.6;padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}a:where(:not(.wp-element-button)){color: var(--wp--preset--color--action-primary);}h1, h2, h3, h4, h5, h6{color: var(--wp--preset--color--text-strong);font-family: var(--wp--preset--font-family--heading);line-height: 1.1;}h1{font-family: var(--wp--preset--font-family--display);font-size: var(--wp--preset--font-size--heading-1);}h2{font-size: var(--wp--preset--font-size--heading-2);}h3{font-size: var(--wp--preset--font-size--heading-3);}h4{font-size: var(--wp--preset--font-size--heading-4);}h5{font-size: var(--wp--preset--font-size--heading-5);}h6{font-size: var(--wp--preset--font-size--heading-6);}:root :where(.wp-element-button, .wp-block-button__link){background-color: var(--wp--preset--color--action-primary);border-radius: 0.375rem;border-width: 0;color: var(--wp--preset--color--action-primary-text);font-family: inherit;font-size: inherit;font-style: inherit;font-weight: 500;letter-spacing: inherit;line-height: inherit;padding-top: 0.75rem;padding-right: 1rem;padding-bottom: 0.75rem;padding-left: 1rem;text-decoration: none;text-transform: inherit;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-text-primary-color{color: var(--wp--preset--color--text-primary) !important;}.has-text-strong-color{color: var(--wp--preset--color--text-strong) !important;}.has-text-muted-color{color: var(--wp--preset--color--text-muted) !important;}.has-text-inverse-color{color: var(--wp--preset--color--text-inverse) !important;}.has-gray-50-color{color: var(--wp--preset--color--gray-50) !important;}.has-gray-100-color{color: var(--wp--preset--color--gray-100) !important;}.has-gray-200-color{color: var(--wp--preset--color--gray-200) !important;}.has-gray-300-color{color: var(--wp--preset--color--gray-300) !important;}.has-gray-400-color{color: var(--wp--preset--color--gray-400) !important;}.has-gray-500-color{color: var(--wp--preset--color--gray-500) !important;}.has-gray-600-color{color: var(--wp--preset--color--gray-600) !important;}.has-gray-700-color{color: var(--wp--preset--color--gray-700) !important;}.has-gray-800-color{color: var(--wp--preset--color--gray-800) !important;}.has-gray-900-color{color: var(--wp--preset--color--gray-900) !important;}.has-gray-950-color{color: var(--wp--preset--color--gray-950) !important;}.has-primary-50-color{color: var(--wp--preset--color--primary-50) !important;}.has-primary-300-color{color: var(--wp--preset--color--primary-300) !important;}.has-primary-500-color{color: var(--wp--preset--color--primary-500) !important;}.has-primary-700-color{color: var(--wp--preset--color--primary-700) !important;}.has-primary-900-color{color: var(--wp--preset--color--primary-900) !important;}.has-accent-color{color: var(--wp--preset--color--accent) !important;}.has-layer-canvas-color{color: var(--wp--preset--color--layer-canvas) !important;}.has-layer-1-color{color: var(--wp--preset--color--layer-1) !important;}.has-layer-2-color{color: var(--wp--preset--color--layer-2) !important;}.has-layer-3-color{color: var(--wp--preset--color--layer-3) !important;}.has-border-subtle-color{color: var(--wp--preset--color--border-subtle) !important;}.has-border-strong-color{color: var(--wp--preset--color--border-strong) !important;}.has-action-primary-color{color: var(--wp--preset--color--action-primary) !important;}.has-action-primary-text-color{color: var(--wp--preset--color--action-primary-text) !important;}.has-action-secondary-color{color: var(--wp--preset--color--action-secondary) !important;}.has-action-secondary-text-color{color: var(--wp--preset--color--action-secondary-text) !important;}.has-header-start-color{color: var(--wp--preset--color--header-start) !important;}.has-header-end-color{color: var(--wp--preset--color--header-end) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-text-primary-background-color{background-color: var(--wp--preset--color--text-primary) !important;}.has-text-strong-background-color{background-color: var(--wp--preset--color--text-strong) !important;}.has-text-muted-background-color{background-color: var(--wp--preset--color--text-muted) !important;}.has-text-inverse-background-color{background-color: var(--wp--preset--color--text-inverse) !important;}.has-gray-50-background-color{background-color: var(--wp--preset--color--gray-50) !important;}.has-gray-100-background-color{background-color: var(--wp--preset--color--gray-100) !important;}.has-gray-200-background-color{background-color: var(--wp--preset--color--gray-200) !important;}.has-gray-300-background-color{background-color: var(--wp--preset--color--gray-300) !important;}.has-gray-400-background-color{background-color: var(--wp--preset--color--gray-400) !important;}.has-gray-500-background-color{background-color: var(--wp--preset--color--gray-500) !important;}.has-gray-600-background-color{background-color: var(--wp--preset--color--gray-600) !important;}.has-gray-700-background-color{background-color: var(--wp--preset--color--gray-700) !important;}.has-gray-800-background-color{background-color: var(--wp--preset--color--gray-800) !important;}.has-gray-900-background-color{background-color: var(--wp--preset--color--gray-900) !important;}.has-gray-950-background-color{background-color: var(--wp--preset--color--gray-950) !important;}.has-primary-50-background-color{background-color: var(--wp--preset--color--primary-50) !important;}.has-primary-300-background-color{background-color: var(--wp--preset--color--primary-300) !important;}.has-primary-500-background-color{background-color: var(--wp--preset--color--primary-500) !important;}.has-primary-700-background-color{background-color: var(--wp--preset--color--primary-700) !important;}.has-primary-900-background-color{background-color: var(--wp--preset--color--primary-900) !important;}.has-accent-background-color{background-color: var(--wp--preset--color--accent) !important;}.has-layer-canvas-background-color{background-color: var(--wp--preset--color--layer-canvas) !important;}.has-layer-1-background-color{background-color: var(--wp--preset--color--layer-1) !important;}.has-layer-2-background-color{background-color: var(--wp--preset--color--layer-2) !important;}.has-layer-3-background-color{background-color: var(--wp--preset--color--layer-3) !important;}.has-border-subtle-background-color{background-color: var(--wp--preset--color--border-subtle) !important;}.has-border-strong-background-color{background-color: var(--wp--preset--color--border-strong) !important;}.has-action-primary-background-color{background-color: var(--wp--preset--color--action-primary) !important;}.has-action-primary-text-background-color{background-color: var(--wp--preset--color--action-primary-text) !important;}.has-action-secondary-background-color{background-color: var(--wp--preset--color--action-secondary) !important;}.has-action-secondary-text-background-color{background-color: var(--wp--preset--color--action-secondary-text) !important;}.has-header-start-background-color{background-color: var(--wp--preset--color--header-start) !important;}.has-header-end-background-color{background-color: var(--wp--preset--color--header-end) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-text-primary-border-color{border-color: var(--wp--preset--color--text-primary) !important;}.has-text-strong-border-color{border-color: var(--wp--preset--color--text-strong) !important;}.has-text-muted-border-color{border-color: var(--wp--preset--color--text-muted) !important;}.has-text-inverse-border-color{border-color: var(--wp--preset--color--text-inverse) !important;}.has-gray-50-border-color{border-color: var(--wp--preset--color--gray-50) !important;}.has-gray-100-border-color{border-color: var(--wp--preset--color--gray-100) !important;}.has-gray-200-border-color{border-color: var(--wp--preset--color--gray-200) !important;}.has-gray-300-border-color{border-color: var(--wp--preset--color--gray-300) !important;}.has-gray-400-border-color{border-color: var(--wp--preset--color--gray-400) !important;}.has-gray-500-border-color{border-color: var(--wp--preset--color--gray-500) !important;}.has-gray-600-border-color{border-color: var(--wp--preset--color--gray-600) !important;}.has-gray-700-border-color{border-color: var(--wp--preset--color--gray-700) !important;}.has-gray-800-border-color{border-color: var(--wp--preset--color--gray-800) !important;}.has-gray-900-border-color{border-color: var(--wp--preset--color--gray-900) !important;}.has-gray-950-border-color{border-color: var(--wp--preset--color--gray-950) !important;}.has-primary-50-border-color{border-color: var(--wp--preset--color--primary-50) !important;}.has-primary-300-border-color{border-color: var(--wp--preset--color--primary-300) !important;}.has-primary-500-border-color{border-color: var(--wp--preset--color--primary-500) !important;}.has-primary-700-border-color{border-color: var(--wp--preset--color--primary-700) !important;}.has-primary-900-border-color{border-color: var(--wp--preset--color--primary-900) !important;}.has-accent-border-color{border-color: var(--wp--preset--color--accent) !important;}.has-layer-canvas-border-color{border-color: var(--wp--preset--color--layer-canvas) !important;}.has-layer-1-border-color{border-color: var(--wp--preset--color--layer-1) !important;}.has-layer-2-border-color{border-color: var(--wp--preset--color--layer-2) !important;}.has-layer-3-border-color{border-color: var(--wp--preset--color--layer-3) !important;}.has-border-subtle-border-color{border-color: var(--wp--preset--color--border-subtle) !important;}.has-border-strong-border-color{border-color: var(--wp--preset--color--border-strong) !important;}.has-action-primary-border-color{border-color: var(--wp--preset--color--action-primary) !important;}.has-action-primary-text-border-color{border-color: var(--wp--preset--color--action-primary-text) !important;}.has-action-secondary-border-color{border-color: var(--wp--preset--color--action-secondary) !important;}.has-action-secondary-text-border-color{border-color: var(--wp--preset--color--action-secondary-text) !important;}.has-header-start-border-color{border-color: var(--wp--preset--color--header-start) !important;}.has-header-end-border-color{border-color: var(--wp--preset--color--header-end) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}
284.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}.has-sm-font-size{font-size: var(--wp--preset--font-size--sm) !important;}.has-base-font-size{font-size: var(--wp--preset--font-size--base) !important;}.has-lg-font-size{font-size: var(--wp--preset--font-size--lg) !important;}.has-xl-font-size{font-size: var(--wp--preset--font-size--xl) !important;}.has-heading-6-font-size{font-size: var(--wp--preset--font-size--heading-6) !important;}.has-heading-5-font-size{font-size: var(--wp--preset--font-size--heading-5) !important;}.has-heading-4-font-size{font-size: var(--wp--preset--font-size--heading-4) !important;}.has-heading-3-font-size{font-size: var(--wp--preset--font-size--heading-3) !important;}.has-heading-2-font-size{font-size: var(--wp--preset--font-size--heading-2) !important;}.has-heading-1-font-size{font-size: var(--wp--preset--font-size--heading-1) !important;}.has-display-font-size{font-size: var(--wp--preset--font-size--display) !important;}.has-heading-font-family{font-family: var(--wp--preset--font-family--heading) !important;}.has-display-font-family{font-family: var(--wp--preset--font-family--display) !important;}.has-sans-font-family{font-family: var(--wp--preset--font-family--sans) !important;} 285/*# sourceURL=global-styles-inline-css */ 286</style> 287 288<link rel='stylesheet' id='southernpartners-fonts-css' href='https://southernpartners.org/wp-content/themes/southernpartners-theme/assets/css/fonts.css?ver=0.2.18.1785786945' media='all' /> 289<link rel='stylesheet' id='southernpartners-tokens-css' href='https://southernpartners.org/wp-content/themes/southernpartners-theme/assets/css/tokens.css?ver=0.2.18.1785786945' media='all' /> 290<link rel='stylesheet' id='southernpartners-base-css' href='https://southernpartners.org/wp-content/themes/southernpartners-theme/assets/css/base.css?ver=0.2.18.1785786945' media='all' /> 291<link rel='stylesheet' id='southernpartners-blocks-css' href='https://southernpartners.org/wp-content/themes/southernpartners-theme/assets/css/blocks.css?ver=0.2.18.1785786945' media='all' /> 292<link rel='stylesheet' id='southernpartners-patterns-css' href='https://southernpartners.org/wp-content/themes/southernpartners-theme/assets/css/patterns.css?ver=0.2.18.1785786945' media='all' /> 293<link rel='stylesheet' id='southernpartners-utilities-css' href='https://southernpartners.org/wp-content/themes/southernpartners-theme/assets/css/utilities.css?ver=0.2.18.1785786945' media='all' /> 294<link rel='stylesheet' id='southernpartners-news-css' href='https://southernpartners.org/wp-content/themes/southernpartners-theme/assets/css/news.css?ver=0.2.18.1785786945' media='all' /> 295<link rel='stylesheet' id='trp-language-switcher-v2-css' href='https://southernpartners.org/wp-content/plugins/translatepress-multilingual/assets/css/trp-language-switcher-v2.css?ver=3.3.6' media='all' /> 296<link rel='stylesheet' id='sb-pdf-viewer-css' href='https://southernpartners.org/wp-content/plugins/pdf-viewer/assets/css/sb-pdf-viewer.css?ver=1783974333' media='all' /> 297<link rel='stylesheet' id='sb-site-search-css' href='https://southernpartners.org/wp-content/plugins/site-search/assets/site-search.css?ver=0.1.10' media='all' />
298<script id="trp-language-switcher-js-v2-js" src="https://southernpartners.org/wp-content/plugins/translatepress-multilingual/assets/js/trp-frontend-language-switcher.js?ver=3.3.6"></script>
298 299 300<!-- Google tag (gtag.js) snippet added by Site Kit --> 301<!-- Google Analytics snippet added by Site Kit -->
vendor: 80 bytes, lines 301-302
301 302<script id="google_gtagjs-js" src="https://www.googletagmanager.com/gtag/js?id=
302GT-NNV7WX7
vendor: 18 bytes, line 302
302" async></script>
303<script id="google_gtagjs-js-after"> 304window.dataLayer = window.dataLayer || [];function gtag(){dataLayer.push(arguments);} 305gtag("set","linker",{"domains":["southernpartners.org"]}); 306gtag("js", new Date()); 307gtag("set", "developer_id.dZTNiMT", true); 308gtag("config", "GT-NNV7WX7"); 309 window._googlesitekit = window._googlesitekit || {}; window._googlesitekit.throttledEvents = []; window._googlesitekit.gtagEvent = (name, data) => { var key = JSON.stringify( { name, data } ); if ( !! window._googlesitekit.throttledEvents[ key ] ) { return; } window._googlesitekit.throttledEvents[ key ] = true; setTimeout( () => { delete window._googlesitekit.throttledEvents[ key ]; }, 5 ); gtag( "event", name, { ...data, event_source: "site-kit" } ); }; 310//# sourceURL=google_gtagjs-js-after 311</script>
311 312<link rel="https://api.w.org/" href="https://southernpartners.org/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://southernpartners.org/wp-json/wp/v2/posts/20774" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://southernpartners.org/xmlrpc.php?rsd" /> 313<meta name="generator" content="Site Kit by Google 1.188.0" /><link rel="alternate" hreflang="en-US" href="https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/"/> 314<link rel="alternate" hreflang="es-MX" href="https://southernpartners.org/es/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/"/> 315<link rel="alternate" hreflang="en" href="https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/"/> 316<link rel="alternate" hreflang="es" href="https://southernpartners.org/es/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/"/> 317<link rel="icon" href="https://southernpartners.org/wp-content/uploads/2026/05/cropped-Icon-32x32.jpg" sizes="32x32" /> 318<link rel="icon" href="https://southernpartners.org/wp-content/uploads/2026/05/cropped-Icon-192x192.jpg" sizes="192x192" /> 319<link rel="apple-touch-icon" href="https://southernpartners.org/wp-content/uploads/2026/05/cropped-Icon-180x180.jpg" /> 320<meta name="msapplication-TileImage" content="https://southernpartners.org/wp-content/uploads/2026/05/cropped-Icon-270x270.jpg" /> 321</head> 322<body class="wp-singular post-template-default single single-post postid-20774 single-format-standard wp-custom-logo wp-embed-responsive wp-theme-southernpartners-theme translatepress-en_US"> 323<a class="sp-skip-link screen-reader-text" href="#sp-main-content">Skip to content</a> 324<div class="wp-site-blocks"> 325 <header class="wp-block-group alignfull sp-site-header"> 326 <div class="wp-block-group alignwide sp-site-header__bar"> 327 <div class="wp-block-group sp-site-header__brand is-nowrap is-layout-flex"> 328 <a href="https://southernpartners.org/" class="custom-logo-link" rel="home"><img width="2100" height="1051" src="https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png" class="custom-logo" alt="Southern Bancorp Community Partners" decoding="async" srcset="https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png 2100w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-300x150.png 300w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1024x512.png 1024w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-768x384.png 768w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1536x769.png 1536w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-2048x1025.png 2048w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-610x305.png 610w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1080x541.png 1080w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1280x641.png 1280w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-980x490.png 980w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-480x240.png 480w" sizes="(max-width: 2100px) 100vw, 2100px" /></a> </div> 329 330 <div class="wp-block-group sp-site-header__nav is-content-justification-right is-nowrap is-layout-flex"> 331 <nav class="sp-mega-menu sp-primary-navigation" aria-label="Primary navigation" data-sp-mega-menu> 332 <div class="sp-mega-menu__desktop"> 333 <ul class="sp-mega-menu__top-level" role="list"> 334 <li class="sp-mega-menu__item" data-sp-mega-item> 335 <a class="sp-mega-menu__link" href="https://southernpartners.org/lending/"> 336 Lending </a> 337 </li> 338 <li class="sp-mega-menu__item" data-sp-mega-item> 339 <a class="sp-mega-menu__link" href="https://southernpartners.org/counseling-services/"> 340 Counseling </a> 341 </li> 342 <li class="sp-mega-menu__item" data-sp-mega-item> 343 <a class="sp-mega-menu__link" href="https://mbempowerment.com/" target="_blank" rel="noopener"> 344 Small Businesses </a> 345 </li> 346 <li class="sp-mega-menu__item" data-sp-mega-item> 347 <a class="sp-mega-menu__link" href="https://southernpartners.org/about/"> 348 About </a> 349 </li> 350 <li class="sp-mega-menu__item" data-sp-mega-item> 351 <a class="sp-mega-menu__link" href="https://southernpartners.org/contact/"> 352 Contact </a> 353 </li> 354 </ul> 355 </div> 356 357 <div class="sp-mega-menu__mobile"> 358 <button 359 type="button" 360 class="sp-mega-menu__mobile-toggle" 361 aria-expanded="false" 362 aria-controls="sp-mega-menu-mobile-drawer" 363 data-sp-mega-toggle 364 > 365 <span class="screen-reader-text">
365Open menu</span> 366 <svg 367 xmlns="http://www.w3.org/2000/svg" 368 369 370 viewBox="0 0 24 24" 371 fill="none" 372 stroke="currentColor" 373 stroke-width="2" 374 stroke-linecap="round" 375 stroke-linejoin="round" 376 class="sp-icon sp-icon--menu" width="24" height="24" aria-hidden="true" focusable="false"> 377 <path d="M4 5h16" /> 378 <path d="M4 12h16" /> 379 <path d="M4 19h16" /> 380</svg> 381 </button> 382 383 <div class="sp-mega-menu__mobile-drawer" id="sp-mega-menu-mobile-drawer" hidden data-sp-mega-drawer> 384 <div class="sp-mega-menu__mobile-scrim" data-sp-mega-close></div> 385 <div class="sp-mega-menu__mobile-panel" role="dialog" aria-modal="true" aria-label="Primary navigation"> 386 <div class="sp-mega-menu__mobile-header"> 387 <button type="button" class="sp-mega-menu__mobile-back" hidden data-sp-mega-back> 388 <svg 389 xmlns="http://www.w3.org/2000/svg" 390 391 392 viewBox="0 0 24 24" 393 fill="none" 394 stroke="currentColor" 395 stroke-width="2" 396 stroke-linecap="round" 397 stroke-linejoin="round" 398 class="sp-icon sp-icon--arrow-left" width="24" height="24" aria-hidden="true" focusable="false"> 399 <path d="m12 19-7-7 7-7" /> 400 <path d="M19 12H5" /> 401</svg> 402 <span>Back</span> 403 </button> 404 <div class="sp-mega-menu__mobile-brand" data-sp-mega-mobile-brand> 405 <a href="https://southernpartners.org/" class="custom-logo-link" rel="home"><img width="2100" height="1051" src="https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png" class="custom-logo" alt="Southern Bancorp Community Partners" decoding="async" srcset="https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png 2100w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-300x150.png 300w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1024x512.png 1024w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-768x384.png 768w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1536x769.png 1536w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-2048x1025.png 2048w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-610x305.png 610w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1080x541.png 1080w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1280x641.png 1280w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-980x490.png 980w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-480x240.png 480w" sizes="(max-width: 2100px) 100vw, 2100px" /></a> </div> 406 <button type="button" class="sp-mega-menu__mobile-close" data-sp-mega-close> 407 <span class="screen-reader-text">Close menu</span> 408 <svg 409 xmlns="http://www.w3.org/2000/svg" 410 411 412 viewBox="0 0 24 24" 413 fill="none" 414 stroke="currentColor" 415 stroke-width="2" 416 stroke-linecap="round" 417 stroke-linejoin="round" 418 class="sp-icon sp-icon--x" width="24" height="24" aria-hidden="true" focusable="false"> 419 <path d="M18 6 6 18" /> 420 <path d="m6 6 12 12" /> 421</svg> 422 </button> 423 </div> 424 <div class="sp-mega-menu__mobile-body" data-sp-mega-mobile-root> 425 <div class="sp-mega-menu__mobile-level is-active sp-mega-menu__mobile-level--root" data-sp-mega-level="root"> 426 <ul class="sp-mega-menu__mobile-list" role="list"> 427 <li class="sp-mega-menu__mobile-item"> 428 <a class="sp-mega-menu__mobile-link" href="https://southernpartners.org/lending/"> 429 <span class="sp-mega-menu__mobile-link-copy"> 430 <strong>Lending</strong> 431 </span> 432 </a> 433 </li> 434 <li class="sp-mega-menu__mobile-item"> 435 <a class="sp-mega-menu__mobile-link" href="https://southernpartners.org/counseling-services/"> 436 <span class="sp-mega-menu__mobile-link-copy"> 437 <strong>Counseling</strong> 438 </span> 439 </a> 440 </li> 441 <li class="sp-mega-menu__mobile-item"> 442 <a class="sp-mega-menu__mobile-link" href="https://mbempowerment.com/" target="_blank" rel="noopener"> 443 <span class="sp-mega-menu__mobile-link-copy"> 444 <strong>Small Businesses</strong> 445 </span> 446 </a> 447 </li> 448 <li class="sp-mega-menu__mobile-item"> 449 <a class="sp-mega-menu__mobile-link" href="https://southernpartners.org/about/"> 450 <span class="sp-mega-menu__mobile-link-copy"> 451 <strong>About</strong> 452 </span> 453 </a> 454 </li> 455 <li class="sp-mega-menu__mobile-item"> 456 <a class="sp-mega-menu__mobile-link" href="https://southernpartners.org/contact/"> 457 <span class="sp-mega-menu__mobile-link-copy"> 458 <strong>Contact</strong> 459 </span> 460 </a> 461 </li> 462 </ul> 463 </div> 464 </div> 465 </div> 466 </div> 467 </div> 468 </nav> 469 <button class="sp-search-toggle search-toggle" type="button" aria-label="Search" aria-expanded="false" aria-controls="site-search-overlay"><span class="sp-search-toggle__icon" aria-hidden="true"><svg 470 xmlns="http://www.w3.org/2000/svg" 471 472 473 viewBox="0 0 24 24" 474 fill="none" 475 stroke="currentColor" 476 stroke-width="2" 477 stroke-linecap="round" 478 stroke-linejoin="round" 479 class="sp-icon sp-icon--search" width="24" height="24" aria-hidden="true" focusable="false"> 480 <path d="m21 21-4.34-4.34" /> 481 <circle cx="11" cy="11" r="8" /> 482</svg> 483</span><span>Search</span></button> </div> 484 </div> 485 486 <div class="wp-block-group sp-site-header__utility"> 487 <div class="wp-block-group alignwide sp-site-header__utility-inner is-content-justification-space-between is-layout-flex"> 488 <p class="sp-site-header__utility-copy">Lifting Communities. Changing Lives.</p> 489 <div 490 class="sp-language-segmented-control" 491 role="tablist" 492 aria-label="Select language" 493 data-sp-language-control 494 data-current-lang="en_US" 495 > 496 <button 497 class="sp-language-segment is-active" 498 type="button" 499 role="tab" 500 aria-selected="true" 501 data-lang="en_US" 502 data-href="https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affe
502cts-you-and-your-credit-score/" 503 > 504 <span>English</span> 505 </button> 506 <button 507 class="sp-language-segment" 508 type="button" 509 role="tab" 510 aria-selected="false" 511 data-lang="es_MX" 512 data-href="https://southernpartners.org/es/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/" 513 > 514 <span>Spanish</span> 515 </button> 516 </div> 517 </div> 518 </div> 519 520 <div class="wp-block-group sp-site-header__breadcrumbs"> 521 <div class="wp-block-group alignwide sp-site-header__breadcrumbs-inner"> 522 <nav class="sp-breadcrumbs" aria-label="Breadcrumb"> 523 <ol class="sp-breadcrumbs__list"> 524 <li class="sp-breadcrumbs__item"> 525 <a class="sp-breadcrumbs__link" href="https://southernpartners.org/news/">News</a> 526 </li> 527 <li class="sp-breadcrumbs__item"> 528 <span class="sp-breadcrumbs__separator" aria-hidden="true"><svg 529 xmlns="http://www.w3.org/2000/svg" 530 531 532 viewBox="0 0 24 24" 533 fill="none" 534 stroke="currentColor" 535 stroke-width="2" 536 stroke-linecap="round" 537 stroke-linejoin="round" 538 class="sp-icon sp-icon--chevron-right" width="14" height="14" aria-hidden="true" focusable="false"> 539 <path d="m9 18 6-6-6-6" /> 540</svg> 541</span> 542 <span class="sp-breadcrumbs__current" aria-current="page">How Credit Utilization Affects You and Your Credit Score</span> 543 </li> 544 </ol> 545 </nav> 546 </div> 547 </div> 548
548<script type="application/ld+json">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"News","item":"https://southernpartners.org/news/"},{"@type":"ListItem","position":2,"name":"How Credit Utilization Affects You and Your Credit Score","item":"https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/"}]}</script>
548 </header> 549 <main id="sp-main-content" class="sp-site-main"> 550 <article class="wp-block-group alignwide sp-entry-shell sp-news-single-shell post-20774 post type-post status-publish format-standard hentry category-financial-fitness-blog"> 551 <div class="wp-block-group sp-entry-shell__inner sp-content-flow"> 552 553 <div class="wp-block-group sp-entry-shell__header sp-news-single-hero"> 554 <h1>How Credit Utilization Affects You and Your Credit Score</h1> 555 </div> 556 557 <div class="wp-block-group sp-news-single__content sp-content-flow"> 558 559<p class="wp-block-paragraph">If youâve been reading my column for any time now, you know how important your credit score can be. You also might know that there are several factors that affect how your score is formulated. Today, weâre going to talk about one of them â credit utilization â and discuss why itâs something you shouldnât ignore.</p> 560 561 562 563<p class="wp-block-paragraph">Credit utilization refers to the amount of credit you have used compared with how much credit you have been extended by a creditor. Lenders can use this ratio in part to determine your creditworthiness. </p> 564 565 566 567<p class="wp-block-paragraph">Your credit utilization is calculated using the total available credit you have. Weâre talking about all your credit including credit cards, auto and student loans, mortgages, home equity loans, or other debts. The higher the percentage of credit youâve used in relation to your available credit, the lower your credit score can be.</p> 568 569 570 571<p class="wp-block-paragraph">The total dollar amount of your credit used is not as important as the <em>total percentage</em> of the credit used. The suggested percentage for an acceptable use of credit available is around <strong>25 to 30 percent.</strong></p> 572 573 574 575<p class="wp-block-paragraph">Credit scoring models often consider your credit utilization rate when calculating a credit score for you, and it can impact up to 30% of a credit score (which makes it one of the more influential factors), depending on the scoring model being used. </p> 576 577 578 579<p class="wp-block-paragraph">A very easy way to calculate your credit usage for any account on your credit report with a credit limit listed is to calculate 10 percent of the credit limit then multiply that number by three. </p> 580 581 582 583<p class="wp-block-paragraph">Hereâs an example: if your credit limit is $500, take 10 percent of $500 which is $50. Then multiply that by 3 which would be $150, which is the maximum amount you should have charged on that particular account if you want to maintain a good usage ratio. Use the same formula for any credit account you have.</p> 584 585 586 587<p class="wp-block-paragraph"><strong><em>Multiply your credit limit by 0.10 and then multiply by 3 to get your max credit amount</em></strong></p> 588 589 590 591<p class="wp-block-paragraph">When you see yourself getting close to your credit utilization number you should begin to pay down the amount before you charge additional credit to that same account. This calculation works for any account on your report. </p> 592 593 594 595<p class="wp-block-paragraph">You can also estimate your overall credit utilization by totaling all your outstanding debt and dividing it by the total amount of credit available then converting it to a percentage number by multiplying that number by 100.</p> 596 597 598 599<p class="wp-block-paragraph">An example would be if you had a total of $56,000 of debt and you had $100,000 of total credit available.</p> 600 601 602 603<p class="wp-block-paragraph"><strong>56,000 divided by 100,000 = 0.560, then multiply by 100 = 56%.</strong></p> 604 605 606 607<p class="wp-block-paragraph">As you can see this is well above the suggested 25 to 30 percent usage amount, which means you should focus on reducing your debt versus adding to it.</p> 608 609 610 611<p class="wp-block-paragraph">Now, you may have heard credit counselors or even a friend say that it can actually hurt your credit to cancel a credit card. The truth in this is related to your credit utilization ratio.</p> 612 613 614 615<p class="wp-block-paragraph">When you close out credit cards, you lower the amount of credit you have available, and if you have any balances on your cards, you will increase your credit utilization percentage and simultaneously hurt your credit score. The lower your credit utilization percentage the better. </p> 616 617 618 619<p class="wp-block-paragraph">Though most financial counselors recommend that you use less than 10 percent of your available credit, using some credit is better than not using any, because it shows lenders that you know how to use credit. And understanding how credit utilization effects your credit score can help you manage your credit balances and maintain a good credit rating. </p> 620 621 622 623<p class="wp-block-paragraph">If you need assistance calculating your credit utilization rate, a HUD Certified Housing counselor can help with that process. For additional information on this and other financial topics you can always email me at <a href="/cdn-cgi/l/email-protection#87c4efe6f5ebe2f4f3eee2e9a9efe6f5f5eef4c7f4f3e6e0eee9e0a9f4e8f2f3efe2f5e9f7e6f5f3e9e2f5f4a9e8f5e0"><span class="__cf_email__" data-cfemail="296a41485b454c5a5d404c470741485b5b405a695a5d484e40474e075a465c5d414c5b4759485b5d474c5b5a07465b4e">[email protected]</span></a>. </p> 624 625 626 627<p class="wp-block-paragraph">Until next week—Stay financially fit!</p> 628 629 630 631<p class="wp-block-paragraph">Charlestien Harris AFC/AFCPE</p> 632 633 634 635<p class="wp-block-paragraph">Credit/HUD Certified Housing Counselor</p> 636 637 638 639<p class="wp-block-paragraph">Southern Bancorp Community Partners</p> 640 </div> 641 642 <section class="sp-news-related" aria-labelledby="sp-news-related-heading"> 643 <div class="sp-news-related__header"> 644 <h2 id="sp-news-related-heading">Related news</h2> 645 </div> 646 <div class="sp-news-related__grid"> 647 <article class="sp-news-grid-card post-20771 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-fitness-blog">
648 <a class="sp-news-grid-card__media" href="https://southernpartners.org/financial-fitness-blog/top-ten/" aria-label="Read Top Ten"> 649 <img width="768" height="448" src="https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-768x448.png" class="attachment-medium_large size-medium_large" alt="" loading="lazy" decoding="async" srcset="https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-768x448.png 768w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-300x175.png 300w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-1024x597.png 1024w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-610x356.png 610w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-980x572.png 980w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-480x280.png 480w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1.png 1080w" sizes="auto, (max-width: 768px) 100vw, 768px" /> </a> 650 <div class="sp-news-grid-card__body"> 651 <h2 class="sp-news-grid-card__title"><a href="https://southernpartners.org/financial-fitness-blog/top-ten/">Top Ten</a></h2> 652 <p class="sp-news-grid-card__summary">In all areas of life, there are warning signs that tell us when something is wrong, and the same can be said for our financial life. According to...</p> 653 </div> 654 </article> 655 <article class="sp-news-grid-card post-20709 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-fitness-blog category-housing"> 656 <a class="sp-news-grid-card__media" href="https://southernpartners.org/financial-fitness-blog/the-facts-about-the-emergency-rental-assistance-program/" aria-label="Read The Facts about the Emergency Rental Assistance Program"> 657 <img width="768" height="448" src="https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-768x448.png" class="attachment-medium_large size-medium_large" alt="" loading="lazy" decoding="async" srcset="https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-768x448.png 768w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-300x175.png 300w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-1024x597.png 1024w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-610x356.png 610w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-980x572.png 980w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-480x280.png 480w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1.png 1080w" sizes="auto, (max-width: 768px) 100vw, 768px" /> </a> 658 <div class="sp-news-grid-card__body"> 659 <h2 class="sp-news-grid-card__title"><a href="https://southernpartners.org/financial-fitness-blog/the-facts-about-the-emergency-rental-assistance-program/">The Facts about the Emergency Rental Assistance Program</a></h2> 660 <p class="sp-news-grid-card__summary">By Charlestien Harris The pandemic has caused major issues to happen especially with peopleâs financial well-being. Housing is a significant part of most family budgets. Right now, many...</p> 661 </div> 662 </article> 663 <article class="sp-news-grid-card post-20691 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-fitness-blog category-housing"> 664 <a class="sp-news-grid-card__media" href="https://southernpartners.org/financial-fitness-blog/breaking-down-your-mortgage-payment/" aria-label="Read Breaking Down Your Mortgage Payment"> 665 <img width="768" height="448" src="https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-768x448.png" class="attachment-medium_large size-medium_large" alt="" loading="lazy" decoding="async" srcset="https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-768x448.png 768w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-300x175.png 300w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-1024x597.png 1024w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-610x356.png 610w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-980x572.png 980w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-480x280.png 480w, https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1.png 1080w" sizes="auto, (max-width: 768px) 100vw, 768px" /> </a> 666 <div class="sp-news-grid-card__body"> 667 <h2 class="sp-news-grid-card__title"><a href="https://southernpartners.org/financial-fitness-blog/breaking-down-your-mortgage-payment/">Breaking Down Your Mortgage Payment</a></h2> 668 <p class="sp-news-grid-card__summary">By Charlestien Harris There are so many industry terms used in the home buying process that can be unfamiliar to the average consumer. One example commonly used by...</p> 669 </div> 670 </article> 671 </div> 672 </section> 673 </div> 674 </article> 675 </main> 676 <footer class="wp-block-group alignfull sp-site-footer">
677 <div class="wp-block-group alignwide sp-site-footer__content"> 678 <div class="wp-block-group sp-site-footer__main"> 679 <div class="wp-block-group sp-site-footer__summary"> 680 <div class="sp-site-footer__brand"> 681 <a href="https://southernpartners.org/" class="custom-logo-link" rel="home"><img width="2100" height="1051" src="https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png" class="custom-logo" alt="Southern Bancorp Community Partners" decoding="async" srcset="https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1.png 2100w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-300x150.png 300w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1024x512.png 1024w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-768x384.png 768w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1536x769.png 1536w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-2048x1025.png 2048w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-610x305.png 610w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1080x541.png 1080w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-1280x641.png 1280w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-980x490.png 980w, https://southernpartners.org/wp-content/uploads/2024/09/SBCP-Logo-1-480x240.png 480w" sizes="(max-width: 2100px) 100vw, 2100px" /></a> </div> 682 <p class="sp-site-footer__copy">A certified Community Development Financial Institution dedicated to wealth-building and economic mobility in underserved communities.</p> 683 </div> 684 685 <div class="sp-footer-menu sp-site-footer__link-grid"> 686 <nav class="sp-site-footer__column" aria-label="Footer Services links"> 687 <p class="sp-site-footer__heading">Services</p> 688 <ul class="sp-site-footer__list" role="list"> 689 <li class="sp-footer-menu__item"><a class="sp-site-footer__link sp-footer-menu__link" href="https://southernpartners.org/lending/">Flexible Lending</a></li> <li class="sp-footer-menu__item"><a class="sp-site-footer__link sp-footer-menu__link" href="https://southernpartners.org/counseling-services/">Financial Counseling</a></li> <li class="sp-footer-menu__item"><a class="sp-site-footer__link sp-footer-menu__link" href="https://mbempowerment.com/">Small Business Development</a></li> </ul> 690 </nav> 691 <nav class="sp-site-footer__column" aria-label="Footer Explore links"> 692 <p class="sp-site-footer__heading">Explore</p> 693 <ul class="sp-site-footer__list" role="list"> 694 <li class="sp-footer-menu__item"><a class="sp-site-footer__link sp-footer-menu__link" href="/resources">Resources</a></li> <li class="sp-footer-menu__item"><a class="sp-site-footer__link sp-footer-menu__link" href="/stories">Stories</a></li> <li class="sp-footer-menu__item"><a class="sp-site-footer__link sp-footer-menu__link" href="https://southernpartners.org/news/">News</a></li> <li class="sp-footer-menu__item"><a class="sp-site-footer__link sp-footer-menu__link" href="https://banksouthern.com/careers/">Careers</a></li> </ul> 695 </nav> 696 <nav class="sp-site-footer__column" aria-label="Footer Next Steps links"> 697 <p class="sp-site-footer__heading">Next Steps</p> 698 <ul class="sp-site-footer__list" role="list"> 699 <li class="sp-footer-menu__item"><a class="sp-site-footer__link sp-footer-menu__link" href="https://southernpartners.org/contact/">Contact Us</a></li> <li class="sp-footer-menu__item"><a class="sp-site-footer__link sp-footer-menu__link" href="tel:18007893428">1-800-789-3428</a></li> </ul> 700 </nav> 701 </div> 702 </div> 703 704 <div class="wp-block-group sp-site-footer__bottom"> 705 <p class="sp-site-footer__legal"> 706 Copyright © 2017-2026, Southern Bancorp Community Partners </p> 707 <p class="sp-site-footer__legal"> 708 <a class="sp-site-footer__link sp-site-footer__legal-link" href="#" onclick="if (window.CookieConsent) { CookieConsent.showPreferences(); } return false;"> 709 Manage Cookie Preferences </a> 710 </p> 711 <p class="sp-site-footer__legal">Equal Housing Lender</p> 712 </div> 713 </div> 714 </footer> 715 </div> 716<template id="tp-language" data-tp-language="en_US"></template>
vendor: 108 bytes, line 716
716<script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script>
vendor: 106 bytes, line 716
716<script type="text/plain" data-category="marketing" data-src="https://www.googletagmanager.com/gtag/js?id=
716AW-951585462
vendor: 18 bytes, line 716
716" async></script>
717<script type="text/plain" data-category="marketing">
vendor: 118 bytes, line 717
717window.dataLayer=window.dataLayer||[];function gtag(){dataLayer.push(arguments);}gtag('js',new Date());gtag('config','
717AW-951585462
vendor: 3 bytes, line 717
717');
717</script>
vendor: 1 bytes, line 717
717
718<script type="speculationrules"> 719{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"/*"},{"not":{"href_matches":["/wp-*.php","/wp-admin/*","/wp-content/uploads/*","/wp-content/*","/wp-content/plugins/*","/wp-content/themes/southernpartners-theme/*","/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} 720</script>
vendor: 1 bytes, line 720
720
721<script id="sbcp-cookieconsent-js" src="https://southernpartners.org/wp-content/mu-plugins/sbcp-cookie-consent/assets/cookieconsent.umd.js?ver=3.0.3"></script>
vendor: 1 bytes, line 721
721
722<script id="sbcp-cookieconsent-config-js" src="https://southernpartners.org/wp-content/mu-plugins/sbcp-cookie-consent/assets/cookieconsent-config.js?ver=3.0.3"></script>
vendor: 1 bytes, line 722
722
723<script id="southernpartners-theme-js" src="https://southernpartners.org/wp-content/themes/southernpartners-theme/assets/js/site.js?ver=0.2.18.1785786945"></script>
vendor: 1 bytes, line 723
723
724<script id="southernpartners-header-menu-js" src="https://southernpartners.org/wp-content/themes/southernpartners-theme/assets/js/header-menu.js?ver=0.2.18.1785786945"></script>
vendor: 1 bytes, line 724
724
725<script id="sb-pdf-viewer-js-extra"> 726var SBPDFViewerSettings = {"genericViewerUrl":"https://southernpartners.org/wp-content/plugins/pdf-viewer/assets/pdfjs/pdf-viewer.html?v=97a965d5cd9e1ec85acbef5598770112","homeUrl":"https://southernpartners.org/","loadTimeout":"90000","strings":{"loading":"Loading PDF\u2026","loadError":"We could not load this PDF right now. Please try again in a moment.","loadTimeout":"The reader is taking longer than expected. You can retry or open the PDF directly.","errorTitle":"Reader unavailable","viewerTitle":"PDF viewer","retry":"Retry","openDirect":"Open PDF directly"}}; 727//# sourceURL=sb-pdf-viewer-js-extra 728</script>
vendor: 1 bytes, line 728
728
729<script id="sb-pdf-viewer-js" src="https://southernpartners.org/wp-content/plugins/pdf-viewer/assets/js/sb-pdf-viewer.js?ver=1783974333"></script>
vendor: 1 bytes, line 729
729
730<script id="sb-site-search-js-extra"> 731var sbSiteSearchConfig = {"ajaxUrl":"https://southernpartners.org/wp-admin/admin-ajax.php","nonce":"0fa2ba9171","action":"sb_site_search","debounce":"300","minChars":"1","perPage":"20","maxLength":"100","placeholderIcon":"https://southernpartners.org/wp-content/plugins/site-search/assets/image-01.svg","labels":{"search":"Search","placeholder":"Search anything\u2026","close":"Close search","popular":"Popular Pages","latest":"New Posts","results":"results","no_results":"No matching results found.","searching":"Searching\u2026","error":"Search is temporarily unavailable.","query_too_long":"Please use 100 characters or fewer.","results_list":"Search results","empty_result_title":"Untitled"}}; 732//# sourceURL=sb-site-search-js-extra 733</script>
vendor: 1 bytes, line 733
733
734<script id="sb-site-search-js" src="https://southernpartners.org/wp-content/plugins/site-search/assets/site-search.js?ver=0.1.10"></script>
vendor: 1 bytes, line 734
734
735<script id="googlesitekit-events-provider-content-events-js-before"> 736window._googlesitekit = window._googlesitekit || {}; 737window._googlesitekit.contentEvents = {"postID":20774,"isSinglePost":true,"hasVimeoEmbed":false}; 738//# sourceURL=googlesitekit-events-provider-content-events-js-before 739</script>
vendor: 1 bytes, line 739
739
740<script id="googlesitekit-events-provider-content-events-js" src="https://southernpartners.org/wp-content/plugins/google-site-kit/dist/assets/js/googlesitekit-events-provider-content-events-c7172f3fd0e4d5ad62ef.js" defer></script>
vendor: 1 bytes, line 740
740
741<script id="wp-emoji-settings" type="application/json"> 742{"baseUrl":"https://s.w.org/images/core/emoji/17.0.2/72x72/","ext":".png","svgUrl":"https://s.w.org/images/core/emoji/17.0.2/svg/","svgExt":".svg","source":{"concatemoji":"https://southernpartners.org/wp-includes/js/wp-emoji-release.min.js?ver=7.1.2"}} 743</script>
vendor: 1 bytes, line 743
743
744<script type="module"> 745/*! This file is auto-generated */ 746var e="script#wp-emoji-settings",t=document.querySelector(e);if(!(t instanceof HTMLScriptElement))throw new Error("Element missing: "+e);const r=JSON.parse(t.text),s=(window._wpemojiSettings=r,"wpEmojiSettingsSupports"),o=["flag","emoji"];function i(e){try{var t={supportTests:e,timestamp:(new Date).valueOf()};sessionStorage.setItem(s,JSON.stringify(t))}catch(e){}}function c(e,t,n){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);t=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data);e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(n,0,0);const r=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data);return t.every((e,t)=>e===r[t])}function p(e,t){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);var n=e.getImageData(16,16,1,1);for(let e=0;e<n.data.length;e++)if(0!==n.data[e])return!1;return!0}function u(e,t,n,r){switch(t){case"flag":return n(e,"\ud83c\udff3\ufe0f\u200d\u26a7\ufe0f","\ud83c\udff3\ufe0f\u200b\u26a7\ufe0f")?!1:!n(e,"\ud83c\udde8\ud83c\uddf6","\ud83c\udde8\u200b\ud83c\uddf6")&&!n(e,"\ud83c\udff4\udb40\udc67\udb40\udc62\udb40\udc65\udb40\udc6e\udb40\udc67\udb40\udc7f","\ud83c\udff4\u200b\udb40\udc67\u200b\udb40\udc62\u200b\udb40\udc65\u200b\udb40\udc6e\u200b\udb40\udc67\u200b\udb40\udc7f");case"emoji":return!r(e,"\ud83e\u1fac8")}return!1}function f(e,t,n,r){let a;const s=(a="undefined"!=typeof WorkerGlobalScope&&self instanceof WorkerGlobalScope?new OffscreenCanvas(300,150):document.createElement("canvas")).getContext("2d",{willReadFrequently:!0}),o=(s.textBaseline="top",s.font="600 32px Arial",{});return e.forEach(e=>{o[e]=t(s,e,n,r)}),o}function a(e){var t=document.createElement("script");t.src=e,t.defer=!0,document.head.appendChild(t)}r.supports={everything:!0,everythingExceptFlag:!0},new Promise(t=>{let n=function(){try{var e=JSON.parse(sessionStorage.getItem(s));if("object"==typeof e&&"number"==typeof e.timestamp&&(new Date).valueOf()<e.timestamp+604800&&"object"==typeof e.supportTests)return e.supportTests}catch(e){}return null}();if(!n){if("undefined"!=typeof Worker&&"undefined"!=typeof OffscreenCanvas&&"undefined"!=typeof URL&&URL.createObjectURL&&"undefined"!=typeof Blob)try{var e="postMessage("+f.toString()+"("+[JSON.stringify(o),u.toString(),c.toString(),p.toString()].join(",")+"));",r=new Blob([e],{type:"text/javascript"});const a=new Worker(URL.createObjectURL(r),{name:"wpTestEmojiSupports"});return void(a.onmessage=e=>{i(n=e.data),a.terminate(),t(n)})}catch(e){}i(n=f(o,u,c,p))}t(n)}).then(e=>{for(const n in e)r.supports[n]=e[n],r.supports.everything=r.supports.everything&&r.supports[n],"flag"!==n&&(r.supports.everythingExceptFlag=r.supports.everythingExceptFlag&&r.supports[n]);var t;r.supports.everythingExceptFlag=r.supports.everythingExceptFlag&&!r.supports.flag,r.supports.everything||((t=r.source||{}).concatemoji?a(t.concatemoji):t.wpemoji&&t.twemoji&&(a(t.twemoji),a(t.wpemoji)))}); 747//# sourceURL=https://southernpartners.org/wp-includes/js/wp-emoji-loader.min.js 748</script>
748 749<div class="search-overlay" id="site-search-overlay" aria-hidden="true" data-site-search-overlay> 750 <div class="search-overlay__backdrop" data-site-search-dismiss></div> 751 752 <div class="search-overlay__dialog" role="dialog" aria-modal="true" aria-labelledby="site-search-title" tabindex="-1"> 753 <h2 class="screen-reader-text" id="site-search-title">Search</h2> 754 755 <form class="search-overlay__top" action="https://southernpartners.org/" method="get" role="search"> 756 <div class="search-overlay__input-wrapper"> 757 <span class="search-overlay__icon" aria-hidden="true"> 758 <svg class="search-overlay__icon-svg" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true" focusable="false"><circle cx="11" cy="11" r="7"></circle><path d="m20 20-4-4"></path></svg> </span> 759 <label class="screen-reader-text" for="site-search-input">Search</label> 760 <input 761 id="site-search-input" 762 class="search-overlay__input" 763 type="search" 764 name="s" 765 placeholder="Search anythingâ¦" 766 autocomplete="off" 767 spellcheck="false" 768 inputmode="search" 769 aria-controls="site-search-results" 770 data-site-search-input 771 > 772 <div class="search-overlay__meta"> 773 <div class="search-overlay__status" role="status" aria-live="polite" data-site-search-status></div> 774 <span class="search-overlay__spinner" aria-hidden="true" hidden data-site-search-spinner></span> 775 </div> 776 </div> 777 <button class="search-overlay__close" type="button" data-site-search-dismiss aria-label="Close search"> 778 <svg class="search-overlay__close-icon" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true" focusable="false"><path d="M18 6 6 18M6 6l12 12"></path></svg> </button> 779 </form> 780 781 <div class="search-overlay__body"> 782 <div class="search-overlay__results" role="presentation"> 783 <div class="search-overlay__empty" data-site-search-empty> 784 <div class="search-overlay__empty-content"> 785 <div class="search-overlay__empty-section" aria-labelledby="site-search-popular-title"> 786 <h3 class="search-overlay__empty-heading" id="site-search-popular-title">Popular Pages</h3> 787 <ul class="search-overlay__popular-links" role="list"> 788 <li class="search-overlay__popular-link-item"> 789 <a class="search-overlay__popular-link" href="https://southernpartners.org/lending/"> 790 <span class="search-overlay__popular-link-icon" aria-hidden="true"> 791 <svg class="search-overlay__popular-link-icon-svg" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true" focusable="false"><path d="M11 15h2a2 2 0 1 0 0-4h-3c-.6 0-1.2.2-1.6.7L3 17"></path><path d="m7 21 1.6-1.4c.4-.4 1-.6 1.6-.6H15c1.1 0 2.1-.4 2.8-1.2L22 14"></path><path d="M2 16l6 6"></path><circle cx="16" cy="5" r="3"></circle></svg> </span> 792 <span>Flexible Lending</span> 793 </a> 794 </li> 795 <li class="search-overlay__popular-link-item"> 796 <a class="search-overlay__popular-link" href="https://southernpartners.org/counseling-services/"> 797 <span class="search-overlay__popular-link-icon" aria-hidden="true"> 798 <svg class="search-overlay__popular-link-icon-svg" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true" focusable="false"><path d="M19 14c1.5-1.5 3-3.2 3-5.5A5.5 5.5 0 0 0 12 5a5.5 5.5 0 0 0-10 3.5C2 11 4 13 6 15l6 6Z"></path><path d="m12 5-3 3 2 2 3-3 5 5"></path></svg> </span> 799 <span>Financial Counseling</span> 800 </a> 801 </li> 802 <li class="search-overlay__popular-link-item"> 803 <a class="search-overlay__popular-link" href="https://southernpartners.org/small-business-development/"> 804 <span class="search-overlay__popular-link-icon" aria-hidden="true"> 805 <svg class="search-overlay__popular-link-icon-svg" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true" focusable="false"><rect width="20" height="14" x="2" y="7" rx="2"></rect><path d="M8 7V5a2 2 0 0 1 2-2h4a2 2 0 0 1 2 2v2M2 12h20"></path></svg> </span> 806 <span>Small Business Development</span> 807 </a> 808 </li> 809 <li class="search-overlay__popular-link-item"> 810 <a class="search-overlay__popular-link" href="https://southernpartners.org/about/"> 811 <span class="search-overlay__popular-link-icon" aria-hidden="true"> 812 <svg class="search-overlay__popular-link-icon-svg" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true" focusable="false"><rect width="16" height="20" x="4" y="2" rx="2"></rect><path d="M9 22v-4h6v4M8 6h.01M16 6h.01M8 10h.01M16 10h.01M8 14h.01M16 14h.01"></path></svg> </span> 813 <span>About</span> 814 </a> 815 </li> 816 <li class="search-overlay__popular-link-item"> 817 <a class="search-overlay__popular-link" href="https://southernpartners.org/contact/"> 818 <span class="search-overlay__popular-link-icon" aria-hidden="true"> 819 <svg class="search-overlay__popular-link-icon-svg" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true" focusable="false"><rect width="20" height="16" x="2" y="4" rx="2"></rect><path d="m22 7-10 6L2 7"></path></svg> </span> 820 <span>Contact</span> 821 </a> 822 </li> 823 <li class="search-overlay__popular-link-item"> 824 <a class="search-overlay__popular-link" href="https://southernpartners.org/resources/"> 825 <span class="search-overlay__popular-link-icon" aria-hidden="true"> 826 <svg class="search-overlay__popular-link-icon-svg" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round" aria-hidden="true" focusable="false">
826<path d="M4 19.5A2.5 2.5 0 0 1 6.5 17H20"></path><path d="M6.5 2H20v20H6.5A2.5 2.5 0 0 1 4 19.5v-15A2.5 2.5 0 0 1 6.5 2Z"></path></svg> </span> 827 <span>Resources</span> 828 </a> 829 </li> 830 </ul> 831 </div> 832 833 <div class="search-overlay__empty-section" aria-labelledby="site-search-latest-title"> 834 <h3 class="search-overlay__empty-heading" id="site-search-latest-title">New Posts</h3> 835 <ul class="search-overlay__latest-posts" role="list"> 836 <li class="search-overlay__empty-post"> 837 <a class="search-overlay__empty-post-link" href="https://southernpartners.org/press-releases/southern-bancorp-unveils-down-payment-assistance-program-to-bridge-homeownership-gap/"> 838 <div class="search-overlay__empty-post-thumbnail" aria-hidden="true"> 839 <img src="https://southernpartners.org/wp-content/uploads/2024/01/DPA-Release-768x403.jpg" alt="" loading="lazy"> 840 </div> 841 <div class="search-overlay__empty-post-content"> 842 <h4 class="search-overlay__empty-post-title">Southern Bancorp Unveils Down Payment Assistance Program to Bridge Homeownership Gap</h4> 843 <span class="search-overlay__empty-post-date">Jan 23, 2024</span> <p class="search-overlay__empty-post-excerpt">Program provides up to $12,000 for minority and low-to-moderate income home buyers  Little Rock, Ark. â Southern Bancorp Community Partners (SBCP), a Community Development Financial Institution (CDFI)â¦</p> </div> 844 </a> 845 </li> 846 <li class="search-overlay__empty-post"> 847 <a class="search-overlay__empty-post-link" href="https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/"> 848 <div class="search-overlay__empty-post-thumbnail" aria-hidden="true" data-placeholder="true"> 849 <img src="https://southernpartners.org/wp-content/plugins/site-search/assets/image-01.svg" alt=""> 850 </div> 851 <div class="search-overlay__empty-post-content"> 852 <h4 class="search-overlay__empty-post-title">How Credit Utilization Affects You and Your Credit Score</h4> 853 <span class="search-overlay__empty-post-date">Oct 8, 2021</span> <p class="search-overlay__empty-post-excerpt">If youâve been reading my column for any time now, you know how important your credit score can be. You also might know that there are several factorsâ¦</p> </div> 854 </a> 855 </li> 856 <li class="search-overlay__empty-post"> 857 <a class="search-overlay__empty-post-link" href="https://southernpartners.org/financial-fitness-blog/top-ten/"> 858 <div class="search-overlay__empty-post-thumbnail" aria-hidden="true"> 859 <img src="https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-768x448.png" alt="" loading="lazy"> 860 </div> 861 <div class="search-overlay__empty-post-content"> 862 <h4 class="search-overlay__empty-post-title">Top Ten</h4> 863 <span class="search-overlay__empty-post-date">Sep 22, 2021</span> <p class="search-overlay__empty-post-excerpt">In all areas of life, there are warning signs that tell us when something is wrong, and the same can be said for our financial life. According toâ¦</p> </div> 864 </a> 865 </li> 866 <li class="search-overlay__empty-post"> 867 <a class="search-overlay__empty-post-link" href="https://southernpartners.org/financial-fitness-blog/the-facts-about-the-emergency-rental-assistance-program/"> 868 <div class="search-overlay__empty-post-thumbnail" aria-hidden="true"> 869 <img src="https://southernpartners.org/wp-content/uploads/2020/04/financial-fitness-1080x630-1-768x448.png" alt="" loading="lazy"> 870 </div> 871 <div class="search-overlay__empty-post-content"> 872 <h4 class="search-overlay__empty-post-title">The Facts about the Emergency Rental Assistance Program</h4> 873 <span class="search-overlay__empty-post-date">Aug 19, 2021</span> <p class="search-overlay__empty-post-excerpt">By Charlestien Harris The pandemic has caused major issues to happen especially with peopleâs financial well-being. Housing is a significant part of most family budgets.  Right now, manyâ¦</p> </div> 874 </a> 875 </li> 876 </ul> 877 </div> 878 </div>
879 </div> 880 881 <ul class="search-overlay__results-list" id="site-search-results" aria-label="Search results" role="list" hidden data-site-search-results data-site-search-results-list></ul> 882 </div> 883 </div> 884 </div> 885</div> 886 887<template id="site-search-result-template"> 888 <li class="search-result" data-site-search-result> 889 <a class="search-result__link" data-site-search-result-link> 890 <div class="search-result__thumbnail" aria-hidden="true" data-site-search-result-thumbnail></div> 891 <div class="search-result__content"> 892 <header class="search-result__header"> 893 <h3 class="search-result__title" data-site-search-result-title></h3> 894 <span class="search-result__date" data-site-search-result-date></span> 895 </header> 896 <p class="search-result__address" data-site-search-result-address></p> 897 <p class="search-result__excerpt" data-site-search-result-excerpt></p> 898 <div class="search-result__metadata" hidden data-site-search-result-metadata></div> 899 </div> 900 </a> 901 </li> 902</template> 903</body> 904</html>
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.