Free Credit Report for Lake County First Time Home Buyers…Really Free!

Real Estate Agent with Century 21 NorthBay Alliance

Free Credit Report for Lake County First Time Home Buyers…Really Free!  Many Lake County First Time Home Buyers are unaware of their credit score (aka Fico score). Many more are simply afraid to find out…they know that they had a collection in the past or some other life event that they fear has negatively affected their credit score. Your credit score will affect your ability to obtain a home mortgage and can determine what interest you will be paying on that home mortgage.

There are several ways to obtain your credit score and look at your credit report. You can pay for your report or you can obtain your FREE Credit Report. is the only way to obtain your truly FREE Credit Report. Everyone in the U.S. is entitled to a FREE copy of their credit report once per year from the three national credit reporting companies. You can also pay for a copy of your credit report on a one time basis or a subscription basis. If you want your FREE Credit Report you can go to: . If you would like more information about your FREE Credit Report you can go to:

Your FREE Credit Report will not meet the needs of your lender but knowing your score and what’s contained in your report will prepare you for the home buying process. This information will let you know if there is any inaccurate information contained in your report.  You can positively influence your report and score…but only if you know what is in them.

Your credit score and your credit report are among the many topics that will be covered in our FREE Lake County First Time Homebuyer Workshops.

Free First Time Homebuyer Workshop…Lake County - Buying a home can be an overwhelming process. Title and Escrow -Home inspections – How much to offer – Getting a mortgage…and so much more! Century 21 NorthBay Alliance is sponsoring a series of FREE First Time Homebuyer Workshops designed to assist any potential homebuyer.

The class is presented in an informal setting where you can ask questions and get answers…Join us for an information packed evening-January 10th at the Century 21 office in Lower Lake (9960 Hwy 53) and January 17th at the Century 21 office in Hidden Valley(18983 Hartman Rd., Suite 5) between 6:30 pm and 8:00 pm.

 This information packed evening promises to have information for everyone thinking about buying a home in the future… you will learn tips and strategies for getting the best buy and the best mortgage! Mortgage professionals will be on hand to talk about your loan options.

At the class, you'll learn:

  • How much home can I afford?
  • Foreclosures…REOs…Short Sales…what’s right for me?
  • What government programs do I qualify for?
  • Are there any zero down home loan programs?
  • What are closing costs? How much are closing costs?
  • I am a Veteran…how do I use my VA benefit?
  • Are there any programs that will pay my closing costs?
  • Home inspections - do I need one?
  • What’s the difference between a Home Inspection and a Termite Inspection?
  • Who pays for the appraisal?
  • Can I see my credit report? Is my credit good enough?
  • What's the best way to find the right home?
  • How do home loans work?
  • How can I make sure that I am not paying too much for my home?
  • Can I get a list of Foreclosures?

Got Questions?

                        We Have Answers!


This and lots of other information is yours free with absolutely no obligation of any kind.

Can’t wait? Call us at 707-987-3800 or 707-994-7100 for additional information




Bruce Hicks
Best Homes Hawaii - Honolulu, HI
Your Best Hawaii Realtor!

Hank, well written and informative article.  I hope you get some buyers from this blog.  This gave me an idea to use for my 2012 sales for First Time Home buyers in Honolulu.  Among a multitude of other goals, this will be on the list to market to new home purchasers.

Dec 05, 2011 02:35 AM
Hank Montgomery
Century 21 NorthBay Alliance - Clearlake Oaks, CA
Lake County Broker | CDPE


Thanks for the comment...we are really excited about this outreach effort! In our market it's all about First Time Home Buyers and Investors. First quater of 2012 the theme is First Time Home Buyers and the Second quarter our theme is Investors. This will be a company-wide initiatve! Good luck with your 2012 goals...

Dec 05, 2011 03:56 PM