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Credit Score…. How much power do those two words hold? A LOT… So what makes up our credit scores? Percentage of utilized revolving balances in relation to card limit Late payments Collections/Judgments/Charge offs Bankruptcies Foreclosures Number of credit inquiries Lack of established credit I speak to people daily that need help with their credit score. Whether they … Continue reading Powerful Words
Stress… what does it look like to you? For me, it’s allowing myself to be pulled in 5 different directions and feeling very out of control. Honestly, many times it is my own fault. It is my fault for over committing and not being able to say NO. Saying NO is something I can change. It … Continue reading The Silent Killer
Ok! Be honest.. Who has dealt with a banker or a mortgage loan officer and felt like they were speaking to you in another language? For example: Your DTI (debt to income) is too high You’re over the max LTV (loan to value) Your file has gone to UW (underwriting) We are waiting on your 4506 (tax … Continue reading Are we speaking the same language?
Did you know you can get assistance when preparing to buy a home before you are actually ready to submit a formal loan application? I assist many clients months before they are ready to complete their loan application. The mortgage process can seem a little daunting. Educating my customers on what the guidelines are for credit, income, and/or assets seems … Continue reading Pre-Purchase Planning
It’s always a successful luncheon when images shown during a presentation stirs something in the hearts of those attending. I attended a Food For Kids luncheon a few weeks back; Fully aware of what the luncheon was representing but not fully prepared for the knowledge I would gain that day. The images and videos of the teachers and faculty packing children’s … Continue reading Food For Kids
