I messed up my credit. How do I fix it?

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It’s something no one talks about. It’s right up there on the list of taboo items you don’t mention to other people, like your annual income and amount of debt you have or your credit score. The lower it is, the less likely you are to share that number with people. But you’d probably be surprised at how many people have made mistakes and witnessed the swan dive of their credit score. The important thing is to get it fixed as quickly as possible. Continue reading “I messed up my credit. How do I fix it?”

Your Credit Score – Why you should be checking it often before applying for credit

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If you are like most people, you typically don’t think about your credit score until you are getting ready to apply for credit. But more and more places are using your credit background to determine if you are an ideal and responsible candidate. Employers, landlords, and even insurance companies are now using your credit score to qualify you. On many levels, you are defined by your credit score – like it or not! Continue reading “Your Credit Score – Why you should be checking it often before applying for credit”

Mortgages 101 – Let’s get started!

If you are considering buying a house, especially if it is your first time, you will want to follow these basic guidelines to save yourself headaches, confusion, and perhaps a good deal of money:

  1. Know Your Credit Rating

How much money you can borrow and how much it will cost you will depend heavenly on your credit score.  Contact one of the three major credit agencies, Experian, TransUnion or Equifax to get a complete credit report.  A print out of this, especially if it is good, will be a useful document to have.  If there are mistakes in your credit record each of these agencies have ways for you to dispute or amend that info.  You may also use one of the many online services that provide your credit info to you, but often this is a simple score without much detail.

Continue reading “Mortgages 101 – Let’s get started!”

5 tips for getting your first mortgage

You’re ready to realize your dream of homeownership. You spotted the perfect neighborhood, the one with the tree-lined streets, tidy houses, and well-manicured lawns. The next step is to get a mortgage.  It can become overwhelming very quickly!  Take a deep breath and relax – although there is a fair amount to do – we can get you through the process fairly pain free!

Here are 5 tips to help you secure your first mortgage and make the process easier.   

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