Posts with tag 'credit score'
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What NOT to Do When Getting a Mortgage
Homebuyers make a lot of mistakes that hurt their chances of getting a mortgage pre-approval from their lender. You don't want to join their ranks and sabotage your home purchase.
To find out what those missteps are, we talked to two lending experts: Casey Fleming, a mortgage advisor with C2 Financial Corp. in San Jose, California, and Heather McRae, a senior loan officer with Chicago Financial Services in Chicago.
Here are the six common mistakes they see borrowers make — and tips to avoid them:
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Tips For First Time Homebuyers
Ready to purchase your first home? Though the process may seem overwhelming, knowing where to start is half the battle. Follow these five tips to help ease your stress and prepare for a smooth home buying experience.
Clean Up Your Credit Score
Having good credit is one of the most important factors when qualifying for a loan. Depending on where your score stands, it may take six months to a year to improve your credit. Although scoring requirements vary from lender to lender and there is no magic number that qualifies you to purchase a home, a low score could mean higher interest rates and fewer mortgage options. Check your credit early and make a financial plan to increase your number. A mortgage professional can pull your credit for you and create a plan to improve your score.
Evaluate Your Monthly Cash Flow
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