Are you considering a Home Purchase??? Many of us realize that credit scores are the Holy Grail—the one thing you do not want to screw up… and if you have, it’s the one thing you want to figure out how to FIX… FAST!
We talk to people all the time who have been laid off, or had an accident, or got sick, or relocated and then hit hard times. The first thing you need to do is GET OVER IT! Get past the anger and the sleepless nights trying to juggle everything, and start making a plan.
All too often people could increase scores and save years of problems if they asked for help EARLIER. We recommend talking to a Consumer Credit Counseling Service (NON PROFIT) before you get behind on bills. They can get credit card rates lowered, past due and over limit fees dropped, and your total monthly payments manageable. Once you’ve made 9 payments into these Services, you will probably see a positive difference in your Credit Score!
Again—you want to make sure to talk to NON-Profit Consumer Credit Counselors. They will typically keep only a very small fee for distributing the payments.
If you don’t have credit scores at the 640 mark, don’t let your credit score keep you from buying a house in NC! Starting in August of 2013, we can do loans for those who meet the guidelines and have scores between 580 and 619. For those with at least two credit scores between 620 and 639, we have even MORE options.
Are you trying to improve your score so you can purchase a home?? Contact Steve and Eleanor Thorne in Cary, NC 919-649-5058. We are mortgage bankers – and we are more than willing to help you get your credit straight, so that you can buy your dream home! Many mortgage lenders won’t work with folks who are not ready to buy right now… but we are ready and willing to work with you NOW!