PageSourceSearch

https://southernpartners.org/financial-fitness-blog/how-credit-utilization-affects-you-and-your-credit-score/

html southernpartners.org collected 2026-09-28 07:41:09 UTC 94,444 bytes, 904 lines download raw bytes

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 you’ve 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…" />
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 you’ve 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…" />
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 you’ve 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…" />
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 you’ve 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…","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 &raquo; 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&#038;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 you’ve 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, we’re going to talk about one of them – credit utilization – and discuss why it’s something you shouldn’t 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.&nbsp;</p>
564
565
566
567<p class="wp-block-paragraph">Your credit utilization is calculated using the total available credit you have. We’re talking about all your credit including credit cards, auto and student loans, mortgages, home equity loans, or other debts. &nbsp;The higher the percentage of credit you’ve 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.&nbsp;</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.&nbsp;</p>
580
581
582
583<p class="wp-block-paragraph">Here’s 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.&nbsp;</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. &nbsp;</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.&nbsp;</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&#160;protected]</span></a>.&nbsp;&nbsp;</p>
624
625
626
627<p class="wp-block-paragraph">Until next week&#8212;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 people’s financial well-being.&nbsp; Housing is a significant part of most family budgets. &nbsp;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 anything…"
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. – Southern Bancorp Community Partners (SBCP), a Community Development Financial Institution (CDFI)…</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 you’ve 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…</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 to…</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 people’s financial well-being.  Housing is a significant part of most family budgets.  Right now, many…</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.