Selling Your Home? Think SAFETY FIRST!

Part of the necessary process of selling your home is allowing strangers into your home. Although your agent will take every precaution to verify the identity of persons entering your home, there are certainly reasons to be cautious.

If you are looking for a home, you are entering other people's homes where you also need to be thinking about safety.

Here is some valuable advice to protect yourself against the potential for crime:

Solve the Credit Puzzle and Get Your Home Loan Approved

For many potential home buyers, understanding credit can be a confusing puzzle to solve. We'll try to help you put the puzzle together from the perspective of getting approved for a home mortgage.

The first step in securing financing for your next home will be a review of your credit. The lender will evaluate your credit score, payment history, balances carried, length of credit history, and types of credit. A not-so-good credit score can disqualify you for a mortgage if you do not meet the lender's minimum credit standards, it can affect your interest rate, and can raise your insurance costs.

Credit scores are comprised of five weighted factors:  payment history (35%), balances (30%), length of history (15%) type of credit (10%), and new credit (10%). Let's take a closer look at these components and some strategies to improve your score.