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Financing in 21009 : Real Estate Advice

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  • Local Info2
  • Home Buying3
  • Home Selling4
  • Market Conditions0

Activity 3
Tue Jul 17, 2012
1234567 answered:
This Chinese Loan company funded my company construction project you can send them your project plan if acknowledge and your company qualify for such loan you would be reply, you can look to their web- ... more
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Sun Oct 31, 2010
Rudy McDowell answered:

Currently lenders require a min fico of 620-640 for FHA, and 660 for Conventional financing. Talk to a loan officer knowledgeable in credit restoration. He/she will pull your credit and go over those things you need to address in order to improve your credit history and increase your score. This service should be free of charge. ... more
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Tue Aug 12, 2008
Tina Beasley answered:

Most of these answers have some good advice. You should contact a reputable lender that has the patience and time to take with you to go over your credit report and talk with you about things that you can do to improve your credit score. You need someone that will work with you and work in your best interest.

You should also sit down, and go over your personal finances. Put down your earnings that you bring home, versus your bills that must be paid each month. Make sure that you include everything you need to live. Not what you want, but what you actually need. Form a budget that you can live within and try to stick to it and make sure that you include some savings. If you are living check to check and cannot save any money, you definintely need to think about where you are currently spending your money and how you can cut back to save. Having money in savings will help you keep your credit score up in the future because it will allow you to pay your bills even if you are out of work or have some kind of a problem. It also viewed as a very important factor in being qualified to buy a home. Lenders want to see that you are able to save money in case of emergencies so that they know you will be prepared to always pay your mortgage.

I would be happy to sit down with you and help you form a budget. I live in Harford County and it would be no problem to meet with you and set you up with a local reputable lender that will help you as well. If you get prepared financially before you buy a home, your experience will be much brighter. Contact me anytime!
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