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Listen "Credit, It's the Elephant in the Room"
Episode Synopsis
We're talking about credit and the elephant in the room. So when we're when somebody's looking at getting approved for a home, how much let's start there. How much does credit matter?Credit matters? Quite a bit. Okay? It, it matters in a variety of ways. Number one, can you be approved? Number two, what's your rate going to be? What's the interest rate going to be how much you're going to have to put down. So it makes a huge difference on what you're going to be whether you're going to be able to finance and then what your financing is going to look like.And let's be on it. We all everybody knows the better credit, the better. So let's let's go with this. So if I'm at a 690 right now, should I wait until I get to 720? To do to get a house?Well, it depends, I would say as a general rule, no, it doesn't make any sense to do that. As a general rule, what I would say is if you have a 690 credit score, what you would want to do is get with us go to hard working mortgage guys.com Contact us from our website. And once you've done that, then we can we want we would want to pull credit, we'd want to look at your credit. And then we can run a scenario to see what might need to happen to get the credit scores where they need to be to if we can get it from a 690 to over 700 that may make a difference in your rate, it may not. We need to look at that and see if it's going to change anything. It depends on whether you're using FHA or conventional financing. So it does depend on what you're actually doing. But we want to look at that and then help you guide you through if you need to do any repair on your credit. I've had people who they were 690 I ran...Connect with Us:For more episodes of Indy's Real Estate Gurus, visit IndysRealEstateGurus.com. Join our community for more insightful real estate discussions, tips, and expert advice. Don’t forget to subscribe to stay updated on the latest episodes! Follow Us on Social Media: Facebook: Indy's Real Estate Gurus Twitter: @IndysREgurus Instagram: @indysrealestategurus Contact Us:Have questions or want to get in touch? Email us at [email protected] or call or text us at 463-223-9592. We love hearing from our listeners! Support the Show:If you enjoy the podcast, please leave us a review on your favorite streaming platform. Your support helps us grow and reach more real estate enthusiasts like you!
In God we trust