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Without a high credit score, you won’t qualify for the best mortgage rates available, which could mean you’ll end up paying more money over the term of your mortgage. Even with rates at historic lows right now, the difference between 3.5% and 3.75% can add up, especially if you’re applying for a 30-year fixed-rate mortgage.
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If the mom-to-be or hostess doesn’t feel comfortable giving a speech to the crowd, she can assign someone else to give a general speech geared toward the baby. What to Include. Since you aren’t necessarily a family member and may be speaking for the group, these are good elements to include: Briefly discuss how you know the new parents-to-be.