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How To Buy Again After

How to buy again after a short sale, foreclosure, bankruptcy or any other crisis.

When applying for a Mortgage, Keep these Tips in Mind

July 22, 2016 By Justin McHood

If you are ready to submit your mortgage application, you are likely wondering which personal financial factors are going to be taken into consideration. In addition to a variety of financial documentation required to substantiate portions of your mortgage application, lenders will review your personal credit report carefully and evaluate your eligibility based on several factors.. Should You Get Pre-Qualified or Pre-Approved? Getting pre-qualified or pre-approved says a … [Read more...]

Should You Be a Homeowner?

July 13, 2016 By Justin McHood

Before you become a first time homebuyer, it’s a good idea to stop and ask yourself a few questions. Depending on your circumstances, renting for a few more years may be the sound financial move to make. How Long Do You Plan to Stay in the Home? If you’re taking out a 30-year purchase mortgage but you only plan on staying in the home two or three years, you’re probably better off not purchasing. Why? Because originating a mortgage involves a down payment and closing costs. … [Read more...]

Buying A House After Collections

May 19, 2011 By Justin McHood

Getting a collection item on your credit report will have undesirable effects on your FICO score. There are ways you can take control of the situation and remedy or remove the collection account altogether from your credit history. Here’s what we’ll cover: What’s a collection? How do I fix a collection? How does a collection item affect my FICO score? Collections: So What Are They Exactly? An account is in “collections” when the past-due amount is purchased by a … [Read more...]

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When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.

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