Understanding and improving credit to buy a house.
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HOMEBUYER'S CHECK-UP

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Making homeownership more than just a dream, we make it a reality!

If you have credit problems, don't worry! We help people with credit problems!

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Credit is a very vital part in owning a home!

We as people think that lenders should give us credit because we need money or because we're nice and kind people, the fact is that credit is not given it's earned.

I was once asked a question that really made me think about the world and how credit is really earned. A gentleman once asked me...

"If you had a friend that wanted to borrow $100 and the friend told you that he would pay you back this Friday when he gets paid; Believing in helping a friend you then loaned him the money. When Friday come he doesn't pay the money back. One year later he finally paid you the $100 he owed. Would you ever loan him another dime? Most of us would say no!"

We don't really care about his reasoning for not paying; but when it comes to ourselves we think the total opposite. We think the lender should loan us more money even though we had a problem paying the money back.

"Credit should be viewed as footprints of how we pay our obligations."

Banks are not our friends; they don't know us on a personal level. The only thing they know about us is that we left footprints behind, called credit; therefore you want to make sure your footprints are clean and clear in order to make a good impression.

Unfortunate for us, we are all humans that are subject to bad things like illness, job loss, recession and even family tragedy. So don't give up when bad things ruin your credit. You MUST pick yourself up, dust yourself off and immediately get back in the game in order to prosper afterwards. Just make up your mind to do it now, not tomorrow. Statistics say that when we say we'll do something tomorrow most of us will NEVER get it done. DO IT TODAY!

When you're ready to buy a house, get to work! It's time to show the lender that you are creditworthy. Start by contacting the following 3 major credit bureaus and get a copy of your credit report

You may get all 3 reports FREE* through AnnualCreditReport.com.

Once you've received your report review it for problems.

If you need free help reading and understanding your report contact us after requesting a HOMEBUYER'S Check Up report and your credit reports.

We say yes, when others say no!

* A free credit report is given to anyone who has not received a free report in a year, have been turned down for a loan, have been turn down for a job and other reasons that the bureau approves.