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Factors that Affect Your Credit Score A credit score is a number that represents the creditworthiness of a person and the likelihood of that person paying back their debts. It is predictive of risk, has made credit more widely available to consumers, and has lowered the cost for lenders, financial institutions, and similar providers. A credit score is primarily based on a statistical analysis of a person’s credit report information, typically from three major credit bureaus. 1. Payment History Once credit has been established, your credit score is based on five key factors. Firstly, payment history makes up 35% of your...
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There’s an app for everything in this day and age, and real estate is no exception. From searching for the best home to interior decor, you can do it all from the comfort of your phone or tablet. Here are some of the best apps that you can use to ease the process of home-buying. Trulia & Zillow Cost: Free Platform: iOS and Android These apps allow you to search the local multiple listing services (MLS) to find different properties for sale. You can also search by city/state or zip code, filter by price, number of beds/baths, property type, square feet,...
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Home buyers looking to purchase new construction using FHA financing will have more hoops to jump through than those purchasing through conventional (Fannie Mae/Freddie Mac) financing. If you want to use FHA financing to purchase new construction, you need to be aware of a number of issues that can trip you up. First, you must have a certificate of occupancy (C.O.) certifying that the property is complete and move-in ready. If you do not have this, then you typically cannot use FHA. You’ll need a renovation loan, but an FHA 203K will not work in this case. You’ll need to...
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Before moving, you should have a strong understanding of what the new location has to offer. Can you afford it? This may seem like a fairly obvious question. Budgeting is one of the most important things to fully map out when planning a move. Last minute expenses always pop up. Whatever you’re budgeting for your move, double it. If you can still afford it, you’re in good shape. Don’t rely on a lucky break to cover anything that might come up unexpectedly. What are the neighborhood demographics? Research what areas you’d consider moving to. If you know anyone who lives...
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A few recent college grads looking to purchase a home reached out to us with some questions. Here’s what our CEO, Justin DeJoseph, had to say. “My husband and I both recently graduated from college but we’re concerned it’s too soon to look into a buying a home. Can recent grads get approved?” Yes college grads are 100% eligible for home loans, the things that play a large part in the approval process is the type of job and the income. As long as you receive a base salary we can qualify you off that income with as little as...
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