As so many prospective home buyers are learning, the market remains favorable for finding that dream home.  Inventory is abundant, sellers are willing to negotiate and interest rates are low.  Being considered loan worthy, however, is not as easy as it was once upon a time.  Besides a stable employment history, lenders are relying a great deal on credit score, and knowing in advance what your three-digit score is, can greatly improve your chances of being approved for a loan.

The first step is to become familiar with how credit scores work and what factors influence your credit score.  www.MyFico.com provides this information.  Next, visit www.AnnualCreditReport.com and pull a free copy of your credit history as reported by Equifax, Experian and TransUnion.  Verify that the information is correct, and contact any companies that have reported false information and ask them to remove it.  Also, look for the portion of available credit that you are currently using.  Your balances should be less that 50 percent of your credit line.  The best scores are obtained by those who use less than 30 percent of the maximum.  on time payments and credit use make up 65 percent of your credit score.  Make adjustments where needed!

With finances in order, contact a good local lender - get recommendations from trusted sources!   He or she will be able to answer your questions regarding the financing process, and will even give you tips to improve that credit score if needed.  Once you have a preapproval letter in hand, find a knowledgable realtor to guide you into the home of your dreams!   

 

Marietta Celebrates the Winter Harvest
02/01/2012
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Now that the first month of 2012 has come to an end, residents of Marietta, Georgia can for the first time say that they were given access to fresh winter produce. The first Saturday in January saw the opening of the Winter Edition Marietta’s… more
Marietta Celebrates Gone with the Wind
06/09/2011
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Celebration of Southern culture is an ongoing activity in this historic region of northwest <? xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /> Georgia. Marietta is a city that was founded before the Civil War, and… more
Marietta Celebrates Gone with the Wind
06/09/2011
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Celebration of Southern culture is an ongoing activity in this historic region of northwest <? xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /> Georgia. Marietta is a city that was founded before the Civil War,… more
Sons of Sailors Play Acworth Beach
06/08/2011
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Another warm weekend is coming up and Cobb County Georgia has the perfect way to get in the spirit of the season. What could be better than listening to summer serenades under the stars? Come and enjoy a night of music on the beach right on the… more
Mortgage Picture Makes Now the Time to Buy
06/06/2011
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With uncertainty still lingering in the current economy, many potential home buyers are sitting on the fence. Inventory and selection are good, home prices remain flat and sellers are more motivated to work with buyers on price. Interest rates are… more
First Friday Art Walk in Marietta
06/01/2011
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The first week of the summer months ushers in the First Friday Art Walk on Marietta Square. A self-guided tour around the Square will connect you with more than 30 merchants who will host artists in their stores. Participating merchants will host in… more
Dixie Highway Yard Sale Arrives this Weekend
05/31/2011
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OK, we just had a great long weekend to kick off the summer season, but it's not too soon to look forward to next weekend. One man's trash is another man's treasure! Mark your calendars for this year's Annual Dixie Highway Yard Sale the first… more
Outdoor Grill Safety
05/30/2011
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The first big summer weekend is here and who can resist breaking out the grill for a holiday feast. Although accidents are the furthest thing from our minds, outdoor cooking accounts for 7, 700 fires each year. Here are some safety tips for outdoor… more
Thinking Through A Kitchen Remodel
05/26/2011
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If you have considered selling your home and either concluded that now is not the time or just haven't found a suitable replacement, you might be thinking about a renovation. You can enjoy the improvements for the next few years and have it more… more
 
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Anne Ortiz

Marietta, GA

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Maximum One Realty Greater Atlanta

Address: 5041 Dallas Highway Suite 700, Powder Springs, GA, 30127

Office Phone: (770) 919-8825

Cell Phone: (678) 656-8356

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