Credit | Tampa Bay Homes for Sale

Three Trends You Need to Know For Real Estate in 2020

Are you thinking of buying real estate in 2020? If so, you're probably wondering what real estate predictions and trends are forecasted for this turn-of-decade year. 2019 has been fairly good to sellers in many locales, with high demand for housing and limited supply of houses on the market in many places. Lower-priced "starter" homes have been in high demand everywhere. Does 2020 appear to be more of the same and what should buyers and sellers know about the predictions for the coming … Continue reading...

Three Common Credit Report Errors

Have you taken a good look at your credit report recently? If you haven't, you should...even if you know your overall score and are okay with it. There's a lot that goes into credit score reporting, such as how many accounts you have, which lenders the accounts are through, what the balances are, how old your lines of credit are, and other personal details such as name, addresses, if you're a co-signer on an account, etc. It is a tried and true way for companies to take a quick look to see how … Continue reading...

Three Financial Tips For First Time Home Buyers

Buying a home is a time of tremendous excitement and opportunity - but it should also be a time that you prepare for in advance so that you will not experience many bumps in the road, and will be far more likely to actually snag that house of your dreams! Although it is tempting to search for a house first (and there is certainly no harm in looking at what is available) your first priority during this time should be getting your financial affairs in order. After that's done, when you browse, you … Continue reading...

Three Ways To Gain More Time When You’re Strapped

We all have days, weeks, months or years when we are seriously pressed for time. This could be due to work, family life, stressors such as illness or caring for ill relatives, having young children, being in the middle of a move, or all of the above! There's no doubt that sometimes life gets extremely difficult and it's hard to find time to do the bare necessities: sleep, eat, and shower. If your life routinely is like this, it may be worth investigating why: Is your job too much? Can you reduce … Continue reading...

Five Things You Need To Obtain A Mortgage Loan

Getting a mortgage loan for your first home may seem to be a daunting task, but remember that millions have done it and continue to do it - it is not impossible, especially if you know what items you will need and can start gathering them so that you aren't left scrambling at the last minute. Organization can take a lot of stress out of your goals of home ownership, so start early and keep dedicated folders of the documents you will need. Always check with your loan agent, but this is a good … Continue reading...

5 Easy Tips To Improve Your Credit Score

No matter what point you're at in life, it's a necessity to have good credit. It's especially vital if you're thinking of buying a home, but there are many other reasons as well. Some employers even look up your credit score before they will extend you an offer of employment. Fortunately, it doesn't have to be complicated to obtain and keep a good score, but it does require a little attention and discipline. 5 Easy Tips To Improve Your Credit Score Monitor your credit score regularly … Continue reading...

Get Better Mortgage Rates If You Improve Your Credit Score

In what might feel like a cruel plot to keep home buyers stuck and unable to actually buy a home, lenders use factors including your credit score to determine your mortgage rates. You need to take a look at your credit score early in the game. You might need to clear some errors up on the credit report. It's not uncommon, but it's best handled before you start applying for mortgages. Why? The worse your credit, the higher it will raise your rate. The higher your rate is, the more you will pay … Continue reading...

FICO Score 9 Could Improve Your Credit Score

Did you know that the new FICO Score 9 is different, or that when it fully rolls out, you credit score could jump up? If you've had trouble finding a pre-approval for a mortgage because of medical debt or collections you have already paid off, you're in luck! Financial independence and home-ownership may be closer than you realize! The FICO Score 9, which some banks are already using to find credit scores for home buyers, will make it so that medical debt has much less impact on your score. … Continue reading...

Can You Buy a Home With No Credit?

If you’re thinking about buying a home but you don’t have any credit history, your options are limited. Here’s what you need to know. Can You Buy a Home With No Credit? Having no credit at all can be as difficult to overcome as having bad credit when you want to buy a home, so what can you do? Lenders look at your credit score when they’re determining whether to lend you money by way of a mortgage, so if you don’t have one, you probably need to start building credit. However, you should … Continue reading...

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