Credit scores are often a mystery to borrowers, and many have never heard of credit scores. Credit scoring has become the primary factor for lenders making a favorable credit decision for a borrower. It’s important to get your credit score as high as possible if you want to qualify for the best loans and credit. […]
Report Finds 26 Million American Adults Have No Credit History – (Must use credit to have Credit Scores) We often meet people who don’t understand that they must use credit to have a credit history, and thus a credit score. Also, after a detrimental financial event such as a foreclosure or Bankruptcy, some feel that their best […]
If you are interested in buying a home in a particular neighborhood, you can often look up the local schools on the school district websites. To find local schools in Martinez, CA, CLICK HERE. To find local schools in Concord, Pleasant Hill & parts of Martinez, CA, CLICK HERE.
We often talk to potential home buyers who just feel like the prices and payments for Bay Area homes are too high, and decide to keep renting, even though they are qualified to buy. This may seem like the “safe bet” but it’s actually more risky than buying a home. These graphs tell the story: […]
Timelines after a negative housing or credit event have been evolving and the new timelines for the borrower (who had an event) are listed below. However, there are exceptions to these rules, and it’s possible to buy a home just one year after an “event”. This program is the FHA back to work program. *A […]