While it is commonplace for consumers to think you can’t buy a home with bad credit. That is not an altogether true statement.   You may need to provide a written explanation in regards to your credit issues, have a higher down payment requirement, a slightly higher interest rate, or jump through a few more hoops in general,  but you CAN buy a home.   If you are willing to do the work you can  realize your dream of homeownership and start building wealth... [read more]

  Welcome to Mortgage Mondays.   A couple of weeks ago I posted that you could ask me me mortgage questions and I would write a post to answer your question. Although I know there has to be many people out there with questions only one person responded to the post with a question. Here’s what she asked as well as my answer and a ton of information on the topic. The Question I have found a house, but it needs some repairs and the seller won’t be doing any... [read more]

It's natural to wonder whether you'll be able to buy a home after you’ve filed bankruptcy. After all, everyone has to live somewhere—even those who have turned to the court system for help with handling their debts. Applying for bankruptcy will affect your credit history for years to come and can make getting approved for housing a challenge. But will a bankruptcy quash your chances of ever owning a home? The answer to that question is unequivocally - NO.   Many... [read more]

Tis the season of giving, which often means it is also the season of spending.   The season of spending where retail companies win and personal bank accounts lose. The holidays are fueled with emotions, and when high emotions and money meet, people tend to overspend without having a real plan in place.   Since we’re  just a few short weeks from the Christmas holiday. It’s a little late for this advice, but not too late to implement it for next... [read more]

Most real estate experts would agree the first thing you should do when thinking of purchasing a home is to get pre-approved. Getting pre-approved and/or shopping for a home loan means getting your credit pulled. There’s no way around it. Your credit is pulled when you submit a rental application, buy a car, get a cell phone, or open a bank account. But I’m amazed by the number of people who don’t want their credit pulled when thinking of buying a home. Are you kidding... [read more]