For many people, November and December seem like the worst time to think of buying or selling a home. In this 2-part series, we're going to discuss the positive reasons why now is the perfect time to buy or sell a home and how to make the most out of this "wonderful" time of year.
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Whether you are looking to open a credit card, finance a car or buy a home...you've probably noticed that your credit score is important. A credit score is essentially used to assess how likely it is that a borrower will repay a loan. The score measures the relative degree of risk that a potential person represents to a lender or investor and is based on several areas of information (however, because of several laws against discrimination - it is not based on gender, race age or zip code.) Credit Bureaus & Score Range Fair, Isaac Credit Bureau scores range between 300 to 850 points - the higher the score, the less risk associated with the borrower. Below are the three national credit data repositories that contribute to your score: Equifax - 800-685-1111 Trans Union - 800-888-4213 Experian - 800-397-3742 Each of these bureaus may offer you a slightly different credit score depending on the data within their own credit profile. Keep in mind that a score is based on all credit-related data - not just negative data.
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You're ready to buy or refinance – but whether this is your first or fourth loan – you may find that working with a loan officer to be confusing and difficult. Having a clear understanding of what you want and how to communicate with your mortgage professional is critical for success. To keep everything running smoothly – make sure you discuss the following topics with your loan officer.
1 - Communication Style
Mortgage professionals will communicate with you in a variety of ways including by phone, email and text. Some are tech savvy and others prefer traditional methods. The point is to be clear about what YOU prefer. If you respond more quickly to text messages versus voicemail - tell your loan officer. Often times, there are time sensitive issues that arise during the loan process, so it will make everyone happy if your loan officer knows how to get questions answered, additional documentation etc. in a timely manner.
You've bought a new home and moving day is here! The truck arrives and the movers begin unloading your boxes and furniture when you realize...some items are missing. And then you notice a grease stain on your favorite chair and your grandmother's mirror is shattered. Suddenly, your dream home is filled with the nightmares associated with an unreliable moving company.
If you are planning on moving this year - the best advice we can give you is to follow these 4 key ways to ensure your experience is a happy one.
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You've bought a new home and moving day is here! The truck arrives and the movers begin unloading your boxes and furniture when you realize...some items are missing. And then you notice a grease stain on your favorite chair and your grandmother's mirror is shattered. Suddenly, your dream home is filled with the nightmares associated with an unreliable moving company.
If you are planning on moving this year - the best advice we can give you is to follow these 4 key ways to ensure your experience is a happy one.
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The Mortgage Assured program from Midwest Equity Mortgage, LLC is a unique option to give you the power to get the home you want.
How does being Mortgage Assured Appeal to Sellers?
The market has gotten competitive and with the increasing number of cash buyers making offers - it can be hard for a financed offer to compete.
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