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Check Your Credit Before You Wreck Yourself
Category Archives: Credit Education
Home Buyers Checklist
As a first time home buyer it can often be overwhelming. Even if you have purchased a home before, the entire process may have changed and the industry can be somewhat different from the last time you purchased a house. Hopefully, with the guidance of a good realtor or real estate agent, and some insight […]
What Affects Your Credit Score?
With mortgage rates starting to rise and prices just about perfect for buying, I’ve had a lot of discussions lately with first-time home buyers about what it takes to get a loan these days at a good rate. Naturally, a good credit score is important. (Typically, we’re seeing the best rates for buyers with scores […]
Budgeting for the costs when buying a home in Jacksonville NC?
After sitting down and looking at your budget, talking over and over again about what you can and can not afford, you are pretty sure that you have arrived at a price range that you as a home buyer feel comfortable with. You have done your homework and talked with several mortgage companies and they […]
Can I Be A Home Buyer Even With Bad Credit?
Let’s face it. In today’s economy many of us have credit issues at some point in our life. It could stem from anything from an unforeseen illness to the loss of a job. The turbulent economy hasn’t helped. Many of may have once had a perfect credit history but now there may be late payments […]
5 Common Foreclosure Myths That Cost Homeowners A Fortune.
WARNING: Don’t even think of doing anything with your home until you read this letter. Which one of these misconceptions do you believe, and how much is it going to hurt you? Some of these may even affect your ability to get a job. Why? Because many employers now require credit checks when hiring. Common Foreclosure […]
The Importance Of Your Credit Score When Looking For A Home Loan
We have all seen the credit score ads that sometimes get stuck in our mind for days. But how important is our credit score when thinking of buying a home? The answer may seem obvious but the truth is you don’t necessarily have to have an outstanding credit score to be approved for a loan. […]
Initial Step in Buying a Home – Getting Pre-Approved
The initial step in buying your first home is determining whether or not you are financially qualified to purchase a home, and establish a comfortable price range that won’t bust the bank or cause problems with other demands on your budget. This step is called mortgage pre-approval. You also need to understand a few things about […]
8 Reasons To Avoid Foreclosure
If you are behind on your mortgage and facing foreclosure on your home, here are 10 reasons why you should consider a short sale or some other option rather than letting the bank foreclose on you: 1. You will always have to disclose that you have had a foreclosure on any mortgage application and many […]
How to Change Your Due Date
No, this isn’t a way for expectant mothers to move up the birth of their child. It’s an article that lets you know you can change the date your credit card payment is due each month, something not everybody knows. There are three dates, however, in each month that can’t be selected. Can you guess […]