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Credit & Debts

Home » Qualifying » Credit & Debts
Read more about the article How much house can you afford? [Your Goldilocks Payment]

How much house can you afford? [Your Goldilocks Payment]

  • Post published:24 October, 2020
  • Post category:Buy/Credit & Debts/First Time Home Buyers/For Buyers/Home Buyers/Rent vs. Buy/YouTube

When it comes to figuring out how much house you can afford there are two considerations. First is how much the lender says you can afford but equally, if not…

Continue ReadingHow much house can you afford? [Your Goldilocks Payment]
Read more about the article Bad credit, but want to buy a home? [HOME LOAN RULES]

Bad credit, but want to buy a home? [HOME LOAN RULES]

  • Post published:21 October, 2020
  • Post category:Buy/Buying Myths/Credit & Debts/FHA/For Buyers/Home Buyers/YouTube

Can you buy a home with bad credit? Well, it depends on what you consider to be "bad" but what I can tell you is that you don't need "great"…

Continue ReadingBad credit, but want to buy a home? [HOME LOAN RULES]
Read more about the article Why I Like FHA Monthly Mortgage Insurance [FHA MIP EXPLAINED]

Why I Like FHA Monthly Mortgage Insurance [FHA MIP EXPLAINED]

  • Post published:17 October, 2020
  • Post category:Credit & Debts/FHA/For Buyers/Home Buyers/YouTube

Mortgage insurance gets a bad rap, but I like it, especially FHA's monthly mortgage insurance. Not because it benefits me somehow but because it's good for my clients.  I explain…

Continue ReadingWhy I Like FHA Monthly Mortgage Insurance [FHA MIP EXPLAINED]
Read more about the article Home Buying Tips – Do’s & Dont’s

Home Buying Tips – Do’s & Dont’s

  • Post published:28 August, 2020
  • Post category:Assets & Home Values/Credit & Debts/Employment & Income/First Time Home Buyers/For Buyers/Qualifying/YouTube

Scott shares some home buying and mortgage pre-approval tips to set you up for success, avoid delayed closing and reduce stress throughout the home purchase process. The do’s & don’ts…

Continue ReadingHome Buying Tips – Do’s & Dont’s
Read more about the article 5½ Reasons FHA is Better than Conventional

5½ Reasons FHA is Better than Conventional

  • Post published:25 August, 2020
  • Post category:Closing Costs/Credit & Debts/Down Payment/Down Payment & Closing Costs/Down Payment Assistance/FHA/For Buyers/Mortgage Insurance/YouTube

FHA is a great home loan program to help those looking to buy a home with little to no money down. But it’s gotten a bad rap, especially compared to…

Continue Reading5½ Reasons FHA is Better than Conventional

How Your Credit Score Impacts Your Life

  • Post published:13 July, 2018
  • Post category:Credit & Debts

Do you know your credit score?  My bet is that you do...or at least you think you do.  With the creation of websites like FreeCreditReport.com and CreditKarma.com along with credit…

Continue ReadingHow Your Credit Score Impacts Your Life
Read more about the article How long do you need to wait to buy a home after a foreclosure?

How long do you need to wait to buy a home after a foreclosure?

  • Post published:30 November, 2017
  • Post category:Credit & Debts

Going through a foreclosure and losing your home can be devastating.  The good news is that buying a home is still possible. Depending on the circumstances and the loan program…

Continue ReadingHow long do you need to wait to buy a home after a foreclosure?
Read more about the article How long do you need to wait to buy a home after a bankruptcy?

How long do you need to wait to buy a home after a bankruptcy?

  • Post published:16 November, 2017
  • Post category:Credit & Debts

Have you had a bankruptcy?  Wondering how long before you can buy a home?  I'm here to give you that answer. And, just like everything in mortgages, it depends. It…

Continue ReadingHow long do you need to wait to buy a home after a bankruptcy?
Read more about the article Mortgage Ratios Explained

Mortgage Ratios Explained

  • Post published:10 July, 2017
  • Post category:Credit & Debts/Employment & Income

Mortgages are simply a calculation of risk. No different from insurance.  When applying for independent health or life insurance you answer a series of questions and undergo some health screening.…

Continue ReadingMortgage Ratios Explained
Read more about the article Trended Credit Data

Trended Credit Data

  • Post published:9 August, 2016
  • Post category:Conventional/Credit & Debts

We are about to experience one of the largest shifts in mortgage qualifying that we have had in quite some time.  If you have not heard about Trended Credit Data…

Continue ReadingTrended Credit Data
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