credit-rating

Credit or Income – Which Is More Important?

Kurt Clements Real Estate Leave a Comment

We often get asked the question ” Which is more important: credit or income?” Our answer is always the same, “both are equally important”. According to Well’s Fargo, there are 5 important factors which qualifies you to purchase. They call is the 5 C’s of mortgage lending. Credit, capacity, collateral, capital, and conditions. In this article, we will give you …

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What Are The Three Mindsets To Use When Purchasing A Home?

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Purchasing a home can produce a world of emotions. These emotions are known as the three P’s – Patience, Persistence, and Pride. Patience, Persistence, and Pride are the three mind sets that you are going to use a lot when taking on the challenge of becoming a homeowner. Even if you have perfect credit and a big down payment you …

credit-repair

Should You Pay A Credit Repair Company To Fix Your Credit?

Kurt Clements Real Estate Leave a Comment

I meet a lot of people that have a goal of homeownership, but have no idea how to achieve their goal. Many times they were not taught the importance of paying their bills on time, and therefore they have poor credit. They are consistantly bombarded by advertisements promising ‘credit repair’ and they desparatly want to become homeowners. What should they …

buying-home

Things You Shouldn’t Do When Buying a Home

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Avoid these 9 homebuying mistakes. The last thing in the world you would ever want is to spend a bunch of time searching for a home, finding that perfect place and then not being approved for your mortgage. There are also many common mistakes homebuyers make that could make the process much more painful than it has to be. We’re …