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Credit Score in Seattle : Real Estate Advice

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Activity 6
Fri Jan 24, 2014
default default answered:
I think the best thing to do is get a second and third opinion from different Lenders, not a Real Estate Broker(s). Try giving Richard Hobson from Landover Mortgage a call or shoot him an email. Richard is a no nonsense type of guy and will give it to you straight. richardhobson@landovermortgage.com or 206-834-5389. If your not looking for property in WA state it may be simpler to consult experts in your area. ... more
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Thu Jan 23, 2014
answered:
Call me Jessica I can help you with your request any time.
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Tue Nov 19, 2013
taylor.beattie answered:
A lot of lenders go as low as 580 when dealing with FHA. We are one of them so if you'd like more info give me a call.
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Fri Jul 26, 2013
answered:
John,

Great Question! I am answering this with the assumption that you have seen your credit. Here is where I would start...

Dispute Errors. If you find something that doesn't make sense or is wrong, contact the agency reporting it to dispute it (i.e. Equifax / Experian / Transunion).

Pay Down Revolving Lines to 30%. What this means is that if you have a credit line of 1000 the best balance to have on that credit line is 300. Credit Cards, Store Cards, and Credit Lines are the ones that will affect you here. Take your Limit and multiply by .30 and that is the balance that you want to have on that particular item.

Make sure your credit is active. If you have cards open, use them. Pay them off. Active shows that you can have a loan/line and make a payment.

Ask for credit line increases. This will help with the second item of paying down debt as it helps make your ratios to debt and income lower which is better for you!

If you need any help I have some resources that would go deeper with you here!

503.804.4379

Chris Watkins
Chris.Watkins@primeres.com
... more
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