Top 5 Ways to Position Yourself if You Want to Buy a Home in 2019

Top 5 Ways to Position Yourself if You Want to Buy a Home in 2019

• Get a copy of your credit report through www.MyFico.com. This will give us your true mortgage scores without a hard inquiry on your credit. You can also get a free copy of your report through someone like www.freecreditreport.com but it won’t give you the scores we use. There are 48 different FICO scoring models but only one that mortgage lenders use. No surprise, that this model is more conservative than most.

• Through an educational process, we can assist with ...

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Credit Repair Companies

Credit Repair Companies

If you have had credit challenges in the past, beware of unscrupulous companies that promise they can solve all your problems. Far too many take advantage of you. They typically will charge you an upfront setup fee and then a monthly charge for as long as you remain a client. Most of them just take the “shotgun” approach and dispute every negative item on your report, every month. The credit reporting agency is then required to ...

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Child Identity Theft

Child Identity Theft

So, you’re concerned about identity theft for yourself, but have you ever thought about your child being a victim? Last year alone, more than 1 million children under the age of 18 were targets. Unfortunately, 60% of the time, child victims new their perpetrators whether that be a parent or guardian, other family member or a friend of the family. In these cases, it’s almost impossible to stop because they have access to their personal information. ...

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Home Down Payment Options

If you believe that you need a good chunk of change to purchase a home, your not alone. The vast majority of first time home buyers have little money to work with and consequently do not believe they are in a position to buy a home. Either that, or credit issues prevent you from investigating the possibilities. But times have changed.

A standard conventional loan will always require that the buyer contribute a ...

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Buying Vs. Renting | What You Need To Know

Most people buy homes for very emotional reasons. But how do you know if it is time for you to purchase?

Most people who rent can actually afford to buy their own home. So what is stopping them? 

A lot of people believe that owning a home in requires a big down payment, which is difficult to save while paying all their regular monthly bills. Others are convinced they wouldn’t qualify for a mortgage, and that the payment would be too much ...

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