Kim Abbott

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Considering a New Home Next Year? Start Now and Get a Jump on Improving Your Credit Score

November 1, 2022 by Kim Abbott

With the new year right around the corner, that leaves you with precious little time to get your finances in order. Let's explore a few tips that will help you get a jump on improving your credit score before the end of the year. Grab A Fresh Copy The first step is to order a fresh copy of your credit report from one of the major agencies. The Fair Credit Reporting Act allows you to access a free copy of your credit report once every 12 months. So, if you have not ordered a copy recently, it is time to do so. You can access this free service through AnnualCreditReport.com, which is a website … [Read more...]

Filed Under: Credit Scoring Tagged With: credit, Credit Score, Mortgage Applications

Common Reasons Why Buyers Are Denied A Mortgage

November 15, 2019 by Kim Abbott

When you are buying a new home, it is an exciting process. You have spent months searching and have found the home you want to purchase. You are ready to move into the home of your dreams.  Unfortunately, you have found out that your request for a mortgage has been denied. This can be a deflating experience. Fortunately, there are ways to avoid this by understanding the most common reasons why a buyer is denied for a loan. The Loan Requirements Have Changed One of the most common reasons why you might be denied a mortgage is that the terms of the loan have changed. For example, the lender … [Read more...]

Filed Under: Mortgage Tagged With: credit, Financing, Mortgage

3 Questions to Ask Before You Buy Your First Home

March 8, 2019 by Kim Abbott

Hunting for your new home can be a confusing process. There are countless factors you need to take into account to ensure your new location fits your family's lifestyle and preferences. In their excitement, first-time home buyers can easily overlook some essential points about their potential property. When you're searching for your new residence, ask these questions to get exactly what you're looking for. Am I Financially Ready For A New Home Purchase? It takes more than money to find the right home. Your credit rating is an important factor in your ability to secure enough funding to finance … [Read more...]

Filed Under: Real Estate Tagged With: credit, Home Purchase, Real Estate

Top Tips To Get Mortgage Pre-Approval Fast

August 3, 2018 by Kim Abbott

When buying a house in a market that favors sellers, buyers must be able to move quickly. Mortgage pre-approval is critical to this. Here are some tips buyers can use to get approved fast. 1. Estimate Purchase Costs Buyers need to know what their target purchase price is. This could speed up the pre-approval process according to Realtor.com. If buyers have been saving for a down payment, they should also tell the lender the amount they plan to put down on the home. Again, this helps speed up the pre-approval process and ensures greater accuracy. 2. Check The Credit Lenders will check a buyer's … [Read more...]

Filed Under: Mortgage Tagged With: credit, Mortgage, Pre-Approval

Got Student Loans? Tips for Graduating Debt Free

November 19, 2011 by Mikel Erdman

Going to a university or college can be a great opportunity to obtain the education and qualifications you need to pursue the career of your dreams. However, many students find themselves under huge mountains of student debt after graduating, which will take years to pay back. Taking out student loans to go to college is not always necessary, and with a little foresight, hard work, and ingenuity you can get through your degree without having debt cast a shadow over your life. Here are some tips for graduating debt free: Don’t go to school right away. If you spend a year or two working … [Read more...]

Filed Under: Personal Finance Tagged With: credit, debt, debt free, personal finance, student loans

Kim Abbott

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