Credit Score

Keeping It In Balance: Knowing Your Credit-to-Debt Ratio

Many potential new homebuyers find themselves unable to secure a loan, confined to a smaller home ? or at least to a smaller loan ? because they don't understand the ins and outs of their credit score. First of all, your FICO (Fair Isaac Corporation) credit score does not tell you how much you can afford, how much you have saved for a downpayment, how well you budget or the balance of any of your bank...

When to Get Pre-Approval for a Mortgage

If you're even considering purchasing a home in the next year, the time to start the pre-approval process is now. Why so early? Here's some advice to get you on track to a smooth purchase transaction. While you don't want to actually apply for the loan until your are ready to make an offer on a home, working on the pre-approval process allows you to address any concerns that crop up on your credit report,...

Being Credit Smart With Your Home – Zapata Realty

The housing market and what it means for your home is definitely a hot topic of late.  No matter where you turn, you can catch an "expert" discussing historical growth, the housing "bubble" or market scarcity and options for buying and selling your home. Even Fannie's Mae Economic & Strategic Research Group report released on April 17th, indicates a 3.2 percent surge in economic growth over the...

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