Home Buying in Charlotte>Question Details

Latisha Smith, Other/Just Looking in Charlotte, NC

will they help me fix my credit so I can own my own home and if so how do i get started?

Asked by Latisha Smith, Charlotte, NC Mon Jul 29, 2013

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Good evening Latisha:
Here are 10 tips that are designed to improve your credit history and raise your credit score: http://www.trulia.com/blog/dfisher/2011/08/ten_tips_for_repa…
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0 votes Thank Flag Link Thu Aug 22, 2013
If you find a good mortgage lender they will help you repair you credit.
0 votes Thank Flag Link Thu Aug 1, 2013
Dave and Ron bring up good points. Be very careful of credit repair scams. You can get a copy of your credit report from each of the three credit agencies and they all have a dispute resolution process that you can do on your own.

Fritz Walter
VP of Retail Sales
Toll free: 800-359-1996 x551
Direct: 203-783-4551
Email: fwalter@totalmortgage.com
NMLS ID: 387922
Visit my webpage: http://www.totalmortgage.com/bankers/fritz-walter/
Company Website: http://www.totalmortgage.com
Total Mortgage Services, LLC - NMLS #2764
Licensed in: CT, FL, MD, NJ, NC, SC, TX, VA
Total Mortgage Licensed in: AR, CA, CO, CT, DE, DC, FL, GA, IL, KS, ME, MD, MA, MI, MS, NE, NH, NJ, NY, NC, OH, PA, RI, SC, TN, TX, VT, VA, WV, WA

Total Mortgage offers a complete selection of mortgage programs including:
Conventional, FHA, FHA 580-639 FICO, FHA 203 Renovation (Streamline & Consultant), HomePath, VA, VA IRRL, USDA, Jumbo financing , and No Income or reduced income. Portfolio, jumbo, and conventional programs offered for self-employed borrowers as well.
0 votes Thank Flag Link Mon Jul 29, 2013
Sorry; I have seen too many people pay $1500 for someone else to do, what that person could do:
Get a copy of your Credit Report, the whole thing.
That will give you a Blue Print of your problems.
0 votes Thank Flag Link Mon Jul 29, 2013
Total Mortgage works with borrowers all the time that need advice on their credit. I would recommend talking to a certified and knowledgeable credit counselor first. If you have any further questions please feel free to call or email me.


All the best,

Fritz Walter
VP of Retail Sales
Toll free: 800-359-1996 x551
Direct: 203-783-4551
Email: fwalter@totalmortgage.com
NMLS ID: 387922
Visit my webpage: http://www.totalmortgage.com/bankers/fritz-walter/
Company Website: http://www.totalmortgage.com
Total Mortgage Services, LLC - NMLS #2764
Licensed in: CT, FL, MD, NJ, NC, SC, TX, VA
Total Mortgage Licensed in: AR, CA, CO, CT, DE, DC, FL, GA, IL, KS, ME, MD, MA, MI, MS, NE, NH, NJ, NY, NC, OH, PA, RI, SC, TN, TX, VT, VA, WV, WA

Total Mortgage offers a complete selection of mortgage programs including:
Conventional, FHA, FHA 580-639 FICO, FHA 203 Renovation (Streamline & Consultant), HomePath, VA, VA IRRL, USDA, Jumbo financing , and No Income or reduced income. Portfolio, jumbo, and conventional programs offered for self-employed borrowers as well.
0 votes Thank Flag Link Mon Jul 29, 2013
Latisha,

You can actually start improving your credit scores on your own.

Just pay your bills on time and keep low balances on your credit cards.

Here are a few more tips: http://www.creditfirm.net/blogs/5-simple-credit-repair-tips.html
0 votes Thank Flag Link Mon Jul 29, 2013
Latisha,

there are many options out there. be careful as to not use a lender or a credit repair company that will charge you for the service. There are enough out there that will help you for free as long as you give them an opportunity to do the loan on the house for you.

I recommend John Norton with Georgia Bank. His cell phone number is 704-953-3571. Feel fee to reach out to him and let him know I told you to call him...

Dave diCecco
Realtor/Broker
Coldwell Banker United
Cell:704-519-7895
ddicecco@cbunited.com
http://www.davedicecco.com
0 votes Thank Flag Link Mon Jul 29, 2013
Latisha,
I work with a great lender and he works closely with clients to advise them of credit issues and the steps to repair them as quickly as possible.

Please feel free to contact me and I will be happy to assist you in your goal of owning your own home!

All the Best,
Brooke Kaiser
brookekaiser@kw.com
0 votes Thank Flag Link Mon Jul 29, 2013
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