Four Things!!!
Written on April 6, 2012 at 5:25 pm, by adminHere are four key things that your credit score can impact today:
- Your insurance rates. Insurers have found links between credit scores and insurance risk, leading some to factor in scores when determining your rates.
- Your mortgage rate. Because of the size of the transaction, variations in your rate can be particularly costly here.
- Your suitability for employment. Some companies are checking the credit history of job candidates before deciding who to hire.
- Your credit card rates. The best credit card rates go to those who need it the least — those with a low debt-to-credit ratio
Disputes On Your Credit ????
Written on February 27, 2012 at 9:33 pm, by adminIf your credit report is showing any disputes this can hold up the pre-approval process. The disputes can be deleted by the customer holding the account but much persistence is required! Call each credit bureau that is listing the dispute and asked for those to be deleted from your credit report. This may take muliple phone calls but your persis
tence will pay off as the lender will ask for this to be done
most likely anyway.
Tips For Repairing Credit…
Written on February 2, 2012 at 11:46 pm, by adminIt’s important to note that repairing bad credit is a bit like losing weight: It takes time and there is no quick way to fix a credit score. In fact, out of all of the ways to improve a credit score, quick-fix efforts are the most likely to backfire, so beware of any advice that claims to improve your credit score fast. 
You Can Have Your Down Payment Gifted!!
Written on January 12, 2012 at 6:21 pm, by admin
The FHA program for purchasing a home allows the borrower to have the 3.5% down payment to be gifted. This is one of the key benefits of FHA. The gift donor must be a family member. This may help you or someone you know in moving forward in the purchase of a home. Please call Hometown Mortgage Group for further details. 816-525-7700.
Know Whats On Your Credit Report!!
Written on January 9, 2012 at 6:16 pm, by admin
The first thing to do is get a credit report and educate yourself with the content. Make sure everything listed is accurate . On occassion people with like names will get mingled in the system at the credit bureaus, and someone elses info can get put on your account. So the first step is educate yourself!!! Mistakes on your credit report could keep you from being able to purchase or refinance . As always please feel free to call with any questions or referrals. 816-525-7700
Merry Christmas !!
Written on December 22, 2011 at 5:50 pm, by admin
During this busy Christmas time we need to keep in mind the true reason for this season. His name is Jesus! Merry Christmas from your friends at Hometown Mortgage Group.
Watch Your Credit Score Go UP!!!!
Written on December 7, 2011 at 10:08 pm, by adminCredit accounts are maxed-out. If you use your credit cards to pay for just about everything in life, you’re probably teetering the edge of maxed-out accounts (assuming you haven’t fallen off already…). If this sounds familiar, consider closing any excess accounts you have and rarely use, and start paying your existing accounts down to around 30% of the available balance. Whatch your credit scores go up!
Call us today at Hometown Mortgage Group for more information on tips to raise your credit scores. 816-525-7700.
Thanksgiving Isn’t Just Once A Year!!!
Written on November 22, 2011 at 10:08 pm, by admin
God gave you a gift of 86,400 seconds today. Have you used one to say thank you?
– William A. Ward
Thank You Veterans!!
Written on November 11, 2011 at 6:58 pm, by admin
Are you a veteran or know someone who is? There is 100% financing available to those who have been in the military, to purchase a home. We are approved lenders for the VA program. Please call today or refer us to family or friends.
816-525-7700
Be Careful !!
Written on October 25, 2011 at 8:15 pm, by adminThe zero interest credit card is, of course, a fantastic deal if you pay your balance off in time. If you don’t, it’s a little like having a financial hand grenade blow up your bank account. Even if you’re just a day or two late, and only owe another $20, all of the interest from day one will come back to haunt you.
