What’s your Loan Goal…

In life you need to have goals.  What’s the goal…  Run a marathon, start a business, have a positive impact on the word.  All great goals that you will more than likely seek guidance from an expert who can help you achieve those goals.

What about the goal of owning a home, that is where our Loan Goal Team can be of assistance.  We have assisted home buyers achieve their home ownership Loan Goals since 2001.

Here are some Loan Goal topics our Loan Goal Team experts are ready to assist you with:

Credit Scores

• What are credit scores, and do credit scores matter?
• If we don’t have credit how do establish credit?
• If our credit scores are low how do improve them, does paying down balances help?

Rent History

• Do we need rent history to buy a house, and if so for how long?
• If we live with family is that a valid rent history?
• When we pay rent should it be paid in a way that can be sourced, say like online bill pay or writing a check?  Or is paying cash, ok?

Save for a Down Payment

• What is a down payment, and do we need one?
• Are there zero-down loans?
• Can we get a gift from family for the down payment?

Establish a Budget

• How much of a mortgage payment can we afford?
• Is there a certain amount or percent of our income the mortgage payment should be?
• Besides our mortgage payment will there be other expenses?  Utilities, cable, HOA.. what’s an HOA?

Employment History

• Is there a certain amount of time I need to be at my job?
• If we are self-employed, can we still buy a house?
• Can I be paid cash on my job and use that as income?

 

When buying a house these are just some examples of the questions our Loan Goal Team can assist you with.

You need to have goals in life, and for each goal, you can find someone to help you achieve those goals.  Our Loan Goal Team is here to assist you with all your Home Loan Goals.