Have a great day!
Morgan Campbell, Realtor
If you have never had a car loan or credit card................go out and get one. Make a purchase...........pay it off in full in 2 payments...............start to show that you are credit worthy and can handle some debt responsibly.
If, however, your credit scores are low............do what you can to help improve them. A loan officer can help with both situations!
I am a local realtor, and would love to help you out. I know several lenders here in the area that specialize in helping first time homebuyers, such as yourself, in getting financing for their first home. Now is a perfect time to buy because you can still take advantage of the 1st time home buyer tax credit. And it is definitely a buyers market out there. I can help you find a great deal on a home. So please give me a call at 229 300-4686, and we can get the ball rolling. I look forward to hearing from you.
Sometimes it can be frustrating not knowing where to begin, but there is help available! I work every day with people who have little or no credit to help them purchase there very own home! There are loan programs available that will allow the use of non-conventional credit lines in order to help people just like you who haven't established credit yet. The programs are standard FHA loans which are currently backed by the government. Give me a call and let me help you realize your dream of being a home owner and hurry because the $8000 Tax Credit will be ending soon!
Atlanta Housing Source at
Solid Source Realty, Inc.
Top 1% Producer 2009
Home Buyers & Sellers - http://www.AtlantaHousingSource.com
Property Management â€“ http://www.SolidSourcePM.com
Buying & Selling Homes â€“ http://www.Blog.AtlantaHousingSource.com
Property Management â€“ http://www.SSPMBlog.SolidSourcePM.com
FHA will allow you to use "alternative" credit...... phone bills, cell phone bills, car insurance payments etc. Call you local lender for an idea of how to qualify. In this case, I would have you talk to my Bank of America loan officer. He could absolutely help you in the Northern Virginia region.
Best of luck!