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Have you made some mistakes with your credit? Paying bills late, charging up your credit cards, and applying for too much credit can all negatively affect your credit history. Unfortunately, since your credit report is one of the main things lenders look at to determine whether you can afford a house, bad credit can hinder … Continue reading Need To Repair Your Credit? Try These Simple Steps
If you’re thinking about buying a home within the next two years, it’s time to start working on your credit. Lenders use credit scores as big indicators of whether borrowers are ready to handle a mortgage loan. Your credit heavily weighs into the mortgage decision. If affects the interest rate you pay and the type … Continue reading How To Improve Your Credit Score for a Better Mortgage Offer
If you want to buy a house, having a solid, positive credit history and high credit score paves your way toward the best loan terms. It takes time to build a good credit history, so the sooner you start making it a priority, the better. Many hopeful first-time homebuyers don’t know where to start when … Continue reading How to Use Your Credit Cards to Build Credit
Medical debt can derail a person’s budget, drain their savings, and ruin their credit. If you’re one of the millions of Americans whose credit report suffers because of paid or unpaid medical debt, we have some good news for you. Starting July 1, 2022, medical debt may no longer be a negative factor on your … Continue reading Changes to Medical Debt Reporting by Credit Bureaus
Your credit history and credit score are big factors in your ability to secure a mortgage loan and purchase a home. If your spending and payment habits, and other past financial missteps, have left you with a less-than-satisfactory credit score, you can still purchase a home. You’ll just need to do some work first. Start … Continue reading Repairing Your Credit Is Possible With This Sound Advice
Credit scores impact many of your purchases. Your ability to get a credit card, buy a car, and yes, purchase a home, may hinge on that three-digit score. In addition, people with high credit scores get the best interest rates, which can add up to tens of thousands of dollars in savings over a lifetime. … Continue reading How to Improve Your Credit Score
Credit scores are an important part of your homebuying process. Unfortunately, there are lots of myths and misconceptions about them. Here are some of the most-asked questions about them and why they matter. What Goes Into My Credit Score? Your score is made up of five factors. The most important one is your payment history, … Continue reading Understanding Your Credit Score and Why it Matters
You may be yearning to start down the homebuying path, but you think your credit stands in the way of your plans. While credit is an important part of getting approved for a mortgage loan, it’s not the only factor. You can still qualify for a loan without a high credit score. Read on for tips … Continue reading Don’t Let Bad Credit Keep You from Your Dream Home
If you’re considering buying a home, good credit is key. Although buying a home with bad credit is not impossible, the right credit scores will make things easier. How is credit determined? Credit scores are determined based on late payments, the amount owed, and how often you miss payments. It also considers how many credit … Continue reading Buying a New Home? Here’s the Best (and Fastest!) Way to Build Credit
If you think your bad credit situation is stopping you from buying a home, think again. The possibilities of getting into a home have increased over the last few years, and there are several ways to achieve homeownership without having stellar credit. Start With Your Most Current Credit Score Without knowing your current credit score, … Continue reading Ways to Buy a Home With Bad Credit
Did you know that March is National Credit Education Month? What better time to become familiar with the intricacies of your credit score and re-commit to keeping it as high as possible. Here are five things you should do in March to foster your credit-score health. Check Your Credit Do you plant flowers then never … Continue reading Happy National Credit Education Month!
You probably know you need good credit to buy a home but may not understand exactly what that means. How good does it need to be? And are there options if your credit is low? Your credit scores drive your ability to get approved for all types of loans, including mortgage loans. People with great … Continue reading How Your Credit Scores Impact Mortgage Rates
