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Sandra Chau
"20% Commission Rebate when you buy or sell a home through me!"
- 1 Helpful Answer
- 3 Answers
- 4 Blog posts
Web sites:
Profile Link:
Experience:
Real Estate Investor for My Company
January 2006—present
Inspired by Robert Kiyosaki's "Rich Dad, Poor Dad", I began to investigate the topic of…
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Inspired by Robert Kiyosaki's "Rich Dad, Poor Dad", I began to investigate the topic of…
Specialties:
First Time Home Buyers
Investment Property ... show more
Investment Property ... show more
Certifications
& Awards:
& Awards:
Certified Real Estate Investor
Interests:
Traveling, Cooking, Gourmet Food, Independent Films, Arts, New Age Music.
About:
Hello~ Real Estate is my passion! I specialize in helping First Time Home Buyer and Investor buying their Dream Homes or Investment Properties. I'm fully
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Testimonials:
"Ms. Chau helped us to purchase our first home in an auction. We came to the US from China a few years ago, and we don't know any English. We're very happy
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Sandra Chau answered:
Hi Annette,
If the mortgage is in both of you and your husband's name, the lender will review the case based on the LOWER score. That means your mortgage interest rate will be determined by the 595 FICO. If you don't have perfect credit, there're lenders on the market right now that will qualify you based on alternative credit such as cell phone payment, utilities bills like Adam described. However, if you put down less than 20% down payment, you'll be required to pay mortgage insurance, and this payment will only be determined by your FICO score. Of course, the higher your credit score, the lower the mortgage insurance. My advice is to seek professional advice from lenders or mortgage brokers. They may give you a few good hints on how to boost your score in a short time! Good Luck House Hunting!
*************************************************
Sandra Chau
Buyer's Agent / Realtor
Call Me: (858) 220-5164
Fax: (858) 874-4377
Email: sandra.chau@gmail.com http://www.SanDiegoSweetHomes.com
*************************************************
If the mortgage is in both of you and your husband's name, the lender will review the case based on the LOWER score. That means your mortgage interest rate will be determined by the 595 FICO. If you don't have perfect credit, there're lenders on the market right now that will qualify you based on alternative credit such as cell phone payment, utilities bills like Adam described. However, if you put down less than 20% down payment, you'll be required to pay mortgage insurance, and this payment will only be determined by your FICO score. Of course, the higher your credit score, the lower the mortgage insurance. My advice is to seek professional advice from lenders or mortgage brokers. They may give you a few good hints on how to boost your score in a short time! Good Luck House Hunting!
*************************************************
Sandra Chau
Buyer's Agent / Realtor
Call Me: (858) 220-5164
Fax: (858) 874-4377
Email: sandra.chau@gmail.com http://www.SanDiegoSweetHomes.com
*************************************************
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