4 Tips to Improving Your Credit Score
By Michael L Baker, Sr. Mortgage Loan Officer I have a potential client that I had an initial phone conversation with today. He said his credit had taken some hits after his divorce. He then said he was considering hiring a “credit counseling” service to help him clean up his […]
Dear First Time Home Buyer
Dear First Time Home Buyer, I can feel your heart beating out of your chest as you think about the cost of a new house as you sit across the desk from me. I can sense your nervousness as you think, “We can’t really afford this, can we?”. I know […]
I don’t have 20% down payment! Can I buy a house?
Many borrowers in today’s home buying environment do not have 20% down. And this is OKAY! Needing a 20% down payment to purchase a house is a common misconception. For Veterans, Active Duty Personnel and some people buying houses in more rural areas you can get away with 0% down […]