Your Credit Score

Do you know how much home you can realistically afford? Are you qualified to receive down payment assistance? Do you have enough money set aside for closing costs? If you are unsure how to answer these questions, please stay tuned for videos that will help you.

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5 MINUTES TO BUY

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• Full Credit Analysis from a Lender is the first step in knowing which direction you need to go. A high credit score doesn’t automatically equal loan approval and a low credit score doesn’t equal automatic loan denial. Your Lender will give you FREE, valuable information from their Tri-merged credit report to explain what you need to do next.
  
• Financial Resources for a home purchase need to be established and set aside. Your Lender will be able to tell you which type of funds will be allowed or denied as part of your income and down payment.
• Upfront Buyer Costs will include Earnest Money Deposit, Due Diligence Fee (NC purchases), Appraisal Fee (depending on Lender), and Home Inspection. Please contact me or your Lender for exact amounts for each item listed.
• Seller’s Options include the right to NOT to repair or replace any item and sell the home AS-IS. Please contact me for specifics on what the seller MUST replace or repair for you to close the loan.
• The Underwriter has the final say on rather or not your loan will close. They will require you to provide extensive documentation to prove you can repay the loan.

 
***Contact me for personalized details concerning your home purchase***

Are You A First Time Home Buyer? Not Sure You Qualify For A Home Loan While In Bankruptcy? Are You A Service Member Or Veteran? Give Me A Call! I Have SEVERAL Programs To Help With Every Situation!