Need to raise your credit score? Here are 5 best quick tips to do so: 1. Review your credit report and correct any errors 2. Keep your credit card balances below 70% of the card's limit 3. Pay all bills On Time 4. Don't close older credit lines after paying them off 5. Don't apply for new credi

Understanding what impacts your ability to qualify for a loan is important. Here are 7 areas to look at when considering a loan. Start with these : 1. Income 2.Income Stability 3.Credit History 4.Change in house payment 5.Cash to close 6.Property 7. Income and Debt As always give me a ca

HOW MUCH MONEY NEEDED FOR  DOWNPAYMENT?                                                            How much cash do you have? Better to keep it in the bank? Big questions and definitely different for everyone. The common opinion is that one has to put 20% down but that is oftentimes not unnecessa

When looking to purchase a home, the down payment can look scary.  This leads to people thinking they can never own their own home because they may not be able to save the money needed for the down payment.  There are various programs available to home buyers that will assist them in the process.  S