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Seven ways to build up your credit score to be eligible for the best interest rates
Credit score requirements for loans are higher than they have been in the past, so a good credit score is more crucial than ever. In today's economy most lenders are looking for credit scores of 720 or higher to secure a low mortgage rate. Here are seven ways to build up your credit score so you can enjoy the best interest rates available.
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Defining Popular Home Styles
EAST MEADOW, NY, Nov 06, 2011-When you're in the market for a new home, one of the first things you should do-after getting your finances in order and deciding on a few choice locations-is determine the style of house you are looking for. "Often, I meet with a client who has begun their house hunt, but really hasn't narrowed down the type of property they are looking for," says Michael Litzner, Broker of Century 21 American Homes. Litzner goes on to note that many clients aren't sure how to differentiate among the various property styles, so when they browse listings they don't know what to keep an eye out for. Below, Litzner explains a few of the most popular home styles. Victorian - These homes are ideal for those interested in unique architecture, large porches and picturesque bay windows-all features typical of the Victorian style of home. "As they are older homes, Victorians often need a lot of work, and can vary in price greatly. While it is possible to find upd...
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How-To Assure a Smooth Home Closing
EAST MEADOW, NY, Nov 06, 2011-The day of the closing is an exciting time for a home buyer. However, if you are unprepared, it can also be extremely stressful. The following tips, offered by Michael Litzner, Broker of Century 21 American Homes, will help save you a few headaches and keep your closing on the right track. Before closing, usually the day before or early the day of, be sure to do a final walkthrough and inspection of the property. If you find any problems, or see something you never noticed before, be sure to write it down. "This list can be used if any final negotiation needs to be made, and will come in handy should a problem arise soon after the closing," says Litzner. "It's always a good idea to have a little extra money in your account, and of course, take your checkbook," recommends Litzner. This money acts as a buffer should an unexpected closing cost pop up that requires an unanticipated payment. Bring both your contract and your loan commitment letter to your cl...
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Protect Your Credit when Buying a Home
For any buyer in the market for a new home, it's a critical time period for your credit to be in great shape. While filling out applications, your personal data and credit score will be as important as ever. Protecting your credit now before you buy will help set you up to take advantage of the best mortgage rates possible so you can secure the home of your choice as soon as possible. Here are a few tips for protecting your credit: Apply with care: Be mindful when applying to multiple lenders. To some versions of the FICO software, all applications submitted within 30-45 days of each other only count as one hit on your credit report. However, this isn't always true. Many lenders may still use older versions of the software. Play it safe by submitting all applications in a 14-day period. This will ensure that your credit report doesn't show multiple hits, which will in turn better your overall score. Pack up to prepare: When selling a home, pack up so...