Brenda Waldrop, Crye-Leike Properties Unlimited

Brenda Waldrop, Crye-Leike Properties Unlimited Whether you're buying or selling, I'll help make your Real Estate experience a pleasant one! Working 24 hours a day, 7 days a week...for YOU!

01/20/2017

REPAIR YOUR CREDIT! Get qualified for a house!!!

When applying for a car loan, mortgage or credit card, many have found out how important a high credit score is. A gleaming credit report will score you the best interest rates, resulting in lower monthly payments as well as ensure you are a top pick for landlords or mortgage providers. If you've fallen behind on payments, there are still ways to bounce back and polish up your credit report and raise your score.
Step 1 - Make all your payments on time going forward. You can't change your history, but you can take control of financial future. One delinquent payment can lower your score by 100 points. The longer you stay current on your payments, the higher your credit score will go.
Step 2 - Pay down your credit cards. Just as having a high balance can lower your score, a low level of debt that is manageable can help your score.
Step 3 - Manage your number of credit cards. Don't open unnecessary new credit cards since that can lower your score. However, opening a new line of credit and paying on time will help you.
Step 4 - Avoid closing several accounts. Even if you don't use them, you're better off keeping them open with no debt.
Step 5 - Avoid any account going to a collection agency. This will stay on your credit report for a long time and flag you as a risk to lenders.
Step 6 - Time your payments correctly. Before applying for any other account or situation where your credit matters, pay down your debts. We recommend waiting one cycle before using your credit card again. Just prior to having your credit run, use the card for a small purchase. This illustrates you can use credit responsibly.

01/23/2016

ADVANTAGES OF GETTING PRE-APPROVED

1. When you make an offer on a property, sellers will take it more seriously, since you have a lender that has committed to backing your offer.
2. It gives assurance that you're looking at homes you can confidently afford to finance. Your efforts will be focused on properties that match your financing abilities.
3. You'll have an edge over other buyers who aren't pre-approved. In situations where there are multiple offers on a property, this can be the difference between having your offer accepted or losing the property to another buyer.

01/23/2016

Take a look at our Web Site: Crye-Leike.com then email me at [email protected] to find your perfect Home!

Address

4170 Highway 45 N
Columbus, MS
39705

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