A good credit score is part of getting approved for a mortgage, it will also help you get a lower interest rate.
Here are some quick things to do to check and possibly improve your score.
Before we get started though, the first thing you should do is get your credit report!
You can order it free here – https://www.annualcreditreport.com Now that you have your report lets get to those tips! 🤓
1. Check for Errors! You want the report to be clean and mistake free. Check if there are misspellings of your name or addresses. Other things might be duplicate accounts, incorrect account information, closed accounts that are still listed as open, fraud etc!
2. Clean up the Errors! If you found something wrong the next step is to get the errors fixed. You can contact the major three bureaus directly to fix any errors! Be prepared with paperwork to back up your case! Here are links to the three bureaus on how to address errors: https://www.experian.com/blogs/ask-experian/credit-education/faqs/how-to-dispute-credit-report-information/ https://www.equifax.com/personal/credit-report-services/credit-dispute/ https://www.transunion.com/credit-disputes/dispute-your-credit
3. Pay Late Or Past Due Accounts This is important! Pay these off whenever possible. Here is a pro-tip: if you have an account with a late fee or in collection – contact them before paying and ask them to remove the record entirely if you pay the account off. This will really help your score!
4. Pay On Time Ok this is obvious but its important too – even if its the minimum payment make sure you get the payments in on time.
5. Open New Accounts Or Increase Your Limits This will help your credit to improve your credit utilization rate – how much of your available credit you use. The lower the rate used the better so don’t open a new card and max it out – just open it and use it a little and pay it off monthly if possible.
These are five quick tips that can really help boost your credit before you apply for a mortgage. If you are ready to apply contact us today and we will be glad to review the options with and see what best fits your needs!

Many Americans have considered moving in the last few years. Some are lucky enough to work remotely, others may be lured by housing prices. If you are considering moving here are seven things to consider.

1. Housing and Cost of Living: Research the cost of housing, groceries, utilities, and other expenses in the area to ensure that you can afford to live there.
2. Job market: If you are moving for a job, make sure it is secure and that there are other job opportunities available in the area.
3. Education: If you have children, consider the quality of the schools in the area. You may also want to consider the availability of higher education institutions if you or a family member plans to continue your education.
4. Safety: Research the crime rate in the area and consider the overall safety of the neighborhood.
5. Climate: Think about whether the climate of the new area is one that you can tolerate.
6. Amenities: Consider what types of amenities are important to you and whether the new area offers them. This might include things like libraries, parks, recreation centers, shopping, and dining.
7 Quality of life: Think about what is important to you in terms of your overall quality of life, and whether the new area offers those things.

As we say goodbye to 2022, if you are planning on buying a home in 2023 here are 5 things to do.
Put Savings In A High-Yield Account
If you are planning on buying you will need your money to be “liquid” or relatively easy to access for a down payment.
Check Your Credit
You may have heard this before but it’s important, so we’ll say it again. Review your credit report to make sure there are not any errors or attempts at identity theft that can erroneously lower your credit score.
Down Payment or Closing Costs Assistance
It’s a good idea to check to see if you qualify for down payment or closing cost assistance or grants.
Monitor Your Market
Real estate is local as they say so keep an eye on the areas you are looking to buy to see if there are trends in prices and inventory
Get Preapproved
You can fill out our approval qualifier on our website and we’ll help you see how much you can qualify for and pre-approval, this will help you to know you’re buying range.

From Our Family To Yours
We wish you and your family a safe and happy holiday with plenty of good food and cheer!