Buying a home is by far one of the largest investments that most people will tackle in their lifetime. We help to take the stress off of you the buyerby getting started the right way. There are a few things that buyers can do that will make the process run smooth and eliminate a lot of the burden and headache.
If you are not fortunate enough to have all of the money to pay for a home in cash as most of us are not, then a home loan through a reputable mortgage lender is the place to start. We have lenders holstered and ready to help. Even if you have a history of bad credit or debt, you would be surprised at the number of people that we have helped to make their home dreams become a reality. Just by calling one of our preferred lenders and talking their situation over. We have never had a buyer that took more than six months to patch up their credit score and put them in a position be able to buy a home.
Life happens, money gets tight for all of us, but one thing to remember is to always make a conscience effort to pay those regular monthly bills on time every time. For example utilities, rent, cell phone, vehicle, and student loans or child support if those are your responsibility. Mortgage lenders today want to make sure that you have a continuous history of paying the regular obligations when they come due. Late payments are one of the main things that can tarnish a credit score. If you feel that your credit score has been unjustifiably been compromised then give us a call. We can show you ways to challenge the reporting bureaus, set the record straight, and get your credit score where it needs to be.
Another thing to consider is to decrease the amount of times that you make inquiries about your credit score. Every time that you make a request for purchase by credit such as department stores, car dealers, loans for furniture, or appliances, then your credit score is lowered. Like I said life happens, but there are right ways and wrong ways to financial freedom.
During the home buying process you will need to stay in close communication with your lender regarding payoffs of outstanding debt. There are those times when people have the opportunity to eliminate a debt and sometimes this can hurt more than it helps, believe me when I tell you, trust your lenders opinion.
People can feel like they are up against a wall at times and want consider a consumer debt counseling service. This may not the best move to make. It can alert the credit bureaus that you have unpayable debt. It can even have the same effect on your credit as a bankruptcy would. Again we have helped a lot of people to overcome these debt obstacles in much better ways with much happier endings.
I hoped that I have helped and that this information will point you in the direction of your dream come true. I would like to thank one of our esteemed lenders that we refer a lot of our customers to, Rick Durham. Rick is the head mortgage originator with the Bank of England for our area has been extremely instrumental in the “Dream Come True” process for Buckner Homes Realty Inc. I have never met anyone like Rick. He sincerely cares and is willing to go the extra mile for his customers. If you are thinking of buying a home and you need to borrow money to make it happen, Rick should be your first step, you won’t be disappointed.
We are now in our new office at 2701 S.E Maricamp Rd. Suite 103 in Ocala, stop by & see me if you are in the area. My phone number is 352-266-2637 and my email is Bucknerhomes@gmail.com feel free to call, text or email me anytime, Peace to your home, Rhonda.