Send us a textUnlock the secrets to improving your credit score and mastering the home buying process in our latest episode with mortgage advisor, Derek Roban of Preferred Lending Solutions. Derek shares his personal journey from a frustrating first-time home buyer to a dedicated mortgage advisor with a passion for financial advising and personal development. Together, we reminisce about coaching our kids' soccer team and challenging ourselves with 100 daily pushups, illustrating the importance of a balanced life while navigating financial complexities.Discover the pivotal role your credit score plays in securing home financing and the practical steps you can take to maintain and improve it. We delve into the nuances of financial transactions, from understanding the impact of minor debts to the importance of timely bill payments. Derek shares invaluable insights on the significance of credit cards and the often-overlooked pitfalls of last-minute credit checks. We also tackle the modern tipping culture, the frustrations with hidden fees, and essential tips to protect against identity theft.As we discuss real estate market strategies and financial planning, learn how seller incentives can be leveraged to your advantage and the merits of future refinancing. Derek and I underscore the necessity of a comprehensive financial plan, especially for those receiving large sums of money, and emphasize the value of a robust financial team. We round off the episode with a candid conversation about balancing work and personal life, the evolution of podcasting, and building an online brand and community, offering you a holistic approach to improving your financial well-being and navigating the home buying journey with confidence.You can watch most full episodes of Law Have Mercy on YouTube!For more FREE legal tips, check out our social channels:Instagram - @chazrobertslawFacebook - Chaz Roberts LawTikTok - @chazrobertslawLinkedIn - Chaz RobertsIf you are in need of legal guidance, visit our website: https://www.chazrobertslaw.com/This show is co-produced by Carter Simoneaux of AcadianaCasts Network, Chaz H. Roberts of Chaz Roberts Law and Kayli Guidry Bonin of Beau The Agency, and Laith Alferahin.

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