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Susan Hofflander
"CAN DO CONSULTANT!"
- 37 Helpful Answers
- 226 Answers
- 3 Blog posts
Locations:
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Experience:
Singer/Performer for Self Employed
August 1979—present
I've been an opera/symphony orchestra concert singer since my college graduation.
I've been an opera/symphony orchestra concert singer since my college graduation.
Sales Associate for RE/Max Advantage Plus
October 2008—present
I provide highest level of service to buyers and sellers in the entire Twin Cities.
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I provide highest level of service to buyers and sellers in the entire Twin Cities.
Specialties:
I am dedicated to providing information in a pressure free, no demands environment. I enjoy making people connections, so my specialty is honing in on
... show more
Certifications
& Awards:
& Awards:
GRI, ABR, CBR,
Metropolitan Opera Award finalist, MacAllister Award finalist ... show more
Metropolitan Opera Award finalist, MacAllister Award finalist ... show more
Interests:
Singing/performing
choir directing ... show more
choir directing ... show more
About:
I have been a licensed real estate agent, serving Twin Citiies of Minnesota home buyers and sellers since 1994. I was given the opportunity to be an
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Testimonials:
"“Susan was recommended by many of my co-workers when my fiance and I were looking for our first home. We instantly felt comfortable with Susan and were
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Susan Hofflander answered:
Hi, Ann!
OK, when obtaining a mortgage, the underwriter is going to look at this trio of factors: 1. Your income 2. Your downpayment 3. Your credit score. It sounds like your income is good. They will want to make sure it's stable, so they will verify your employment. If you have money saved up for your downpayment, you're in good shape. If not, you can obtain that as a gift, so you don't have to have it in your own funds. In the event of a gift, you will have to get a letter from the giver stating they are GIVING the money to you and you don't have to pay it back.
Now, your credit score. That's going to be a problem. You need to take a good hard look at those things and get on a plan to improve it or, in this market, your shot at getting a mortgage is going to be slim or none. Take a look at this article to find out more about how to get on a good plan for cleaning up your credit.
http://www.homestosellmn.com/?m=20091030
OK, when obtaining a mortgage, the underwriter is going to look at this trio of factors: 1. Your income 2. Your downpayment 3. Your credit score. It sounds like your income is good. They will want to make sure it's stable, so they will verify your employment. If you have money saved up for your downpayment, you're in good shape. If not, you can obtain that as a gift, so you don't have to have it in your own funds. In the event of a gift, you will have to get a letter from the giver stating they are GIVING the money to you and you don't have to pay it back.
Now, your credit score. That's going to be a problem. You need to take a good hard look at those things and get on a plan to improve it or, in this market, your shot at getting a mortgage is going to be slim or none. Take a look at this article to find out more about how to get on a good plan for cleaning up your credit.
http://www.homestosellmn.com/?m=20091030
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MVPs or 'Most Valuable Players' are key Trulia Voices members who have been contributing high-quality content throughout 2008 and providing valuable advice to consumers and real estate professionals.
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