Thinking About Buying a Home?

Real Estate Agent with Coldwell Banker Realty MD RE License 579412

Thinking About Buying a Home?  

Is your credit holding you back from buying a home?  Spring is right around the corner and is an amazing time for a fresh start.  The world is coming alive, trees are starting to bloom, the crocuses are popping up in the garden and you are thinking how great it would be to have that happening in your own place.  

If you are thinking about buying a home, your credit score is one of the most important numbers to watch.  A good credit score only gives you a better chance of getting approved for the home you want and having a mortgage with an interest rate you can live with.

Here are a few things that can help you achieve that goal of homeownership:

Meet with a Realtor and discuss your wants and needs and where you are financially.  Your Realtor will be able to refer you to a trusted partner that will be a good fit to help you achieve that goal.  You may need to repair some credit bumps on your credit report.  A lender is a trusted member of your team and has your best interests at heart and will guide you with what you need to do to repair any credit issues you may have.  

Don't be late!!!  This is one of the easiest things you can do to help your credit score.  Make all of your payments on time and avoid any late payments on your bills.  You will also want to get your debt down below 30% of your available credit to maximize your score.  

Don't add to your credit.  Once you commit to buying a home, do not go out and buy furniture or a new car adding to your amount of debt.  Adding to your debt will only reduce the amount you can purchase and may have a negative effect on your credit score.  

There are many tools out there that can help you track and help you boost your credit scores such as Credit Karma and Credit Sesame.  Keep in mind though, that the credit score you see on Credit Karma may not be your actual credit score, follow your lender's lead on that. 

Buying a home is a team sport, you wouldn't play sports without a coach, don't buy a home without your coaches.  Your Realtor, Loan Officer and Title Company are all coaches to help you get the home of your dreams.

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Creating generational wealth, one home at a time. If you are thinking of buying a home,  did you know I can help you find a home for as little as $1000 of your own money?  Thinking about selling a home in  Maryland give me a call at 410-292-0100 or start your search here and I'll talk about the market conditions and what your home could be worth in today's marketplace if you are thinking of selling.  If you are considering buying a home, there is no better time than now to buy. The tax savings and wealth building alone are worth the plunge into today's market. Coldwell Banker and I are connected with some of the world's brightest and best real estate agents and can assist with your move here to Maryland or anywhere in the United States or abroad.  Ask me how.

During these trying times, Coldwell Banker and I are equipped with the latest technology to sell your home using Virtual Open Houses, Virtual showings, electronic signing, virtual inspection, and even online closings.   You can contact me through Snapchat, Duo, Skype, Google Chat, WhatsApp, text messaging, or simply by phone.  We take your and your family's health and safety very seriously.  

June Piper-Brandon ~ Associate Broker ~ MRP, AHWD, CDPE, ePro

Coldwell Banker

410-292-0100 - Direct   410-461-7600 Office

June Piper Brandon - Agent with Century 21 New Millennium

June Piper Brandon - Agent with Century 21 New Millennium

Comments (1)

Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Good Morning June and great information to share with us here in the Rain.  Can I reblog it in a couple of weeks?


Mar 15, 2023 08:24 AM
June Piper-Brandon

Please do Will!!  I love it when others share my blogs.

Mar 15, 2023 01:37 PM