Archive for the ‘First Time Buyers’ Category

Credit Scores & Your Financial Health

Credit Scores & Your Financial Health So we hear a lot about this infamous score and how it can affect our future financial abilities – but what is it really, and how does it come about? First of all, a credit score is an entirely different beast than a credit report. A credit report is Read More »... Read more ›

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Why Does My Lender Need to Document Everything?

Why Does My Lender Need to Document Everything?  “What’s with all the documentation?” or “Aren’t my pay stubs enough? I make plenty of money and have more than enough assets!”   Are common questions I hear from borrowers.  You show us your paystubs, and then you get a mortgage, how great would that be?!  We like Re... Read more ›

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Credit Score Importance

Your Credit Score Wow – credit score. This is a whole world of its own. What does it mean to you? In the Lending world it means everything! A credit score is the numeric analysis of a person’s credit file/report. This score determines whether and how you qualify for lending. As I began looking into Read More »... Read more ›

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What You Don’t Know About Your Credit Can Really Hurt You

Your credit score means everything in the mortgage lending world. Credit Reports show that close to one in four Americans have never checked their credit report. Never? Are you kidding me?  This report contains important information about a person’s credit history and ability to be financially responsible, including credit cards (revolving debt history), mortgages, and auto Read more ›

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Advantages & Disadvantages for Mortgage Terms / Loan Types

WHAT ARE THE ADVANTAGES/DISADVANTAGES FOR EACH MORTGAGE TERM?  30 Year Mortgage:   This term is good for those that want to keep their monthly payment low.  Keep in mind the older we get the longer we’ll need to work to pay this long term loan off.   This can be a disadvantage to those that want to Read More »... Read more ›

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