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01 Apr

Three Important Figures: Why Your Credit Score Matters

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Home Decor, Lawn and Garden, Real Estate, Residential Commercial Services, Restaurant Hotel Home and office service, Room Inspirationcredit, credit history, credit report, credit reporting, credit score, fico score, mortgage lenders, payment history, reporting agencies

You already heard the numbers: 690, 740, 805. Three simple digits that may seem mysterious, abstract, or both. In the real world, however, your credit score largely determines what type and how much credit you can get, what interest rates you'll pay – and sometimes, whether you'll land in that great new job you want. Do we already have your attention? Understanding how the big three credit reporting agencies (Experian, Equifax, and TransUnion) calculate your credit score is key to knowing how to proactively manage your credit and safeguard your all-important triple-digit credit score. Your score allows businesses to assess their ability…

12 Nov

How to finance your new home

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Real Estatebridge loans, construction financing, construction loans, construction period, credit score, current home, financing options, short term, va loans

What you need to know and do to make the mortgage process easier. When you buy a new home, images of beautiful kitchens, sumptuous master bathrooms, and abundant closet space may cross your mind, but you shouldn't forget an important step called financing. When you're buying your dream home, the main questions to ask yourself at the start of your search include: Are my credit reports accurate, up-to-date, and correct? What information will I need to collect to apply for financing for my new home? What can I pay with a mortgage? What are my credit options? Where can I…

12 Oct

The steps to get to the mortgage credit

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Home Decor, Lawn and Garden, Real Estate, Residential Commercial Services, Restaurant Hotel Home and office service, Room Inspiration, Tools, Storage, Organization, and Hardwarecredit reports, credit score, fico score, fico scores, general rule, mortgage loan, percentage rate, rival lenders, slightly higher

Finding and securing a mortgage to finance your new home can seem overwhelming, especially if you're a novice buyer. But it doesn't have to be that way. If you use this list (and reviewing the recommended articles below) you will be able to unfold the processing of the mortgage loan for the house in simpler and easier tasks and you will be able to complete each requirement at the indicated time. This summary will help you prepare the required documentation and information. You'll know what to expect in terms of loan rates and other fees and you'll be better equipped…

12 Sep

Why, how, and when to check your credit report

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Real Estateannual credit, credit card, credit records, credit report, credit reports, credit score, free credit, free report, trial period

Knowing how to access, understand, and manage your credit score and credit report is a key step in buying a home. Just as some people are afraid to visit a doctor for fear that they will discover that something is physically wrong, so too some people are afraid to check their important credit histories because they may find that their records are not as pristine as they would like and there is something wrong fiscally. According to a new study from WalletHub, a popular personal finance website, some 36 million American adults — a sum that exceeds the combined population…

12 Apr

How to start looking for a house?

Catharine BwanaBuilding & Contractor, Buy and Rent Property, Home Decor, Lawn and Garden, Real Estateapproval process, closing costs, credit score, financial situation, home, monthly payments, pre approved, process, total cost

Making the decision to buy a home and going through the process are two very different things. Many people have ever said to themselves, "I hope to own a home one day." But sometimes the process can be daunting. If there are literally millions of homes in the United States, how are you supposed to know where to start looking? Simply put, you can start exactly where you are. No matter what type of home you're looking for or when you want to buy it, it's best to evaluate your situation to make sure you're successful when you find your dream home. We have three recommendations…

12 Jun

How to Finance Your Demolition and Reconstruction?

Catharine BwanaBuilding & Contractor, Concrete, Cement and Masonry, Gates and Fences, Home Decor, Insulation, Ladders, Lawn and Garden, Lumber and Trim, Real Estate, Residential Commercial Services, Restaurant Hotel Home and office service, Roofs and Gutters, Room Inspiration, Tarps, Tile, Walls, Floors and Ceilingconstruction loan, credit score, demolished home, demolished house, homestyle loans, loan option, outstanding balance, renovation construction, substantial renovations

If you've ever felt the disappointment of finding a large piece of land in the perfect community, but the house found in it is sadly dated, too small, or simply not your style, you're surely not alone. For many first-time or repeat home buyers, location is an important factor when buying a home. If you have your heart set on a particular lot, you might consider whether a demolition option is right for you. For many homeowners, choosing the ideal location that suits their current and future needs is worth the process of buying a home (and land), tearing down…