BEFORE YOU START LOOKING FOR YOUR HOME...
Many realtors require buyers to get prequalified for a mortgage before they start their search for the perfect home. A simple prequalification letter can help you assess how much you can afford before you commit too much time, energy, or money to the process.
We would love to write one for you – at no cost or obligation to you.
Questions? Let Us Help.
YOUR CREDIT SCORE
Lenders will look at your payment history, income, and current debts to determine how likely you are to pay your loan each month. The number value assigned to your “reliability” is known as your credit score and is one of the biggest factors in getting approved for a mortgage.
There are many websites that allow you to quickly check your credit & credit score for free. Two of our favorites are www.freecreditreport.com and www.creditkarma.com.
If you have a credit score below 640, consider delving deeper into your report to make sure it is accurate. Stay current with all monthly payments and reduce debt where possible to boost your score. We’d be happy to advise you on specific steps to boost your score.
