"The Easiest Way to Buy or
Sell a Home or Get a Home Loan in Klamath Falls" Information
provided by Town & Country Realty & United Mortgage Corporation of
America
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Here's
How Your Credit Score Will Affect How Much House You'll Be Able To Buy...
There is a new "buzzword" in the
mortgage industry.
Actually, it’s two buzzwords: Credit Scoring.
In their never ending search to find an easier
way to rate a person’s financial ability, mortgage companies are using a new
system called credit scoring (Also called "FICO" scores – I won’t
even tell you what that means).
When lenders pull up your credit report, they can
look at
all of the debts that you have, how much you owe, how well you make your
payments, and many other things like if you’ve had any bankruptcies within the
last several years.
With your credit report, lenders now get a
"credit score" which takes all of this information and creates a
"credit score" for you. This credit score is a number that lenders use
to decide which types of loans that you will be able to get and be eligible for.
As with all new things, there is controversy over
these credit scores.
Some types of loans require that you have a
certain credit score to get the loan – no exceptions. And credit scores change
over time. As a matter of fact, just applying for credit can lower your credit
score.
Now that you know what a credit score is,
here’s how to make sure you have the best one possible…
First of all, don’t apply for any new credit
cards or consumer loans.
Don’t go down to the furniture store and take
them up on the "No interest, no payments, no nothin’ for one year"
financing program -- and of all things, don’t go out and finance a car!
You can do all of these things after you buy your
house and get your mortgage, but for your own sake, don’t do it before. Buying
things on credit not only hurts your credit score, but it also leaves less money
for you to use as a house payment.
And lenders look at this figure also to determine
how much money they will lend you, and how much they will charge you to lend it.
So wait until after you’ve bought your home and
moved in to get that new couch or big screen TV-- And there is another reason to
wait.
After you buy your home, you can get a loan for
up to 125% of your home’s value to buy whatever you want.
And when you get a loan against your home, all of
the interest you pay is tax-deductible!
