378 views
Craig Ballhagen
"Boise First Time Buyer Advocate"
- 4 Helpful Answers
- 25 Answers
- 41 Blog posts
Locations:
Web sites:
Profile Link:
Experience:
loan officer for Countrywide
June 2002—November 2008
loan officer
loan officer
Specialties:
assisting home buyers in the state of Idaho
Certifications
& Awards:
& Awards:
licensed in the STate of Idaho
Interests:
gardening and my children
About:
I am a loan officer in Boise Idaho and enjoy assisting first time buyers.
Testimonials:
" I highly recommend Guild Mortgage and Craig Ballhagen in particular. We were trying to get a home loan through a local bank and were told one hour before
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Craig Ballhagen answered:
Regarding your credit, yes you need to have it checked and to know your scores. If your scores are below 580 (Idaho Housing) then you will not be able to buy a house with any rgular rates.
Many times buyers who have credit issues can improve their scores with a "rapid rescore" I can do this on my lap top. If you have incorrect entires on your credit (for example) these accounts can be fixed and repull your credit with, hopefully, with higher scores. You need to have your credit issues BEFORE you start shopping for a home.
Do you have any family members who can help you out with qualifing? That could be a wy to go. With 40% down they could buy the home as a rental and a year or 2, after your credit has improved, you could refinance the house into your name. You need a trusted advisor. Below is my link to order credit.
Many times buyers who have credit issues can improve their scores with a "rapid rescore" I can do this on my lap top. If you have incorrect entires on your credit (for example) these accounts can be fixed and repull your credit with, hopefully, with higher scores. You need to have your credit issues BEFORE you start shopping for a home.
Do you have any family members who can help you out with qualifing? That could be a wy to go. With 40% down they could buy the home as a rental and a year or 2, after your credit has improved, you could refinance the house into your name. You need a trusted advisor. Below is my link to order credit.
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