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Finance Your Home

Lucido Real Estate is here to help you with your financing needs whether that be a real estate purchase, refinancing, or obtaining real estate equity line of credit, the following tips will help you get started.

Check your Credit Rating: Credit scores range from 400 to 850. 620+ is considered "good" 700+ is considered premium and could possibly get you a lower interest rate. Need help? Call us at 313-882-1010.

There are three main companies that you can contact to get your credit score. If your score is lower than you would like to see it, ask your lender for some tips on how to lower your interest rate and increase your credit score.

Equifax: www.equifax.com (800) 685-1111
Experian: www.experian.com (800) 392-1122
Trans Union: www.transunion.com (800) 888-4213

Start A File

Your file should contain all your financial information that you will need for your mortgage. Regardless of the loan type your lender will need information about you. Make copies of check stubs, past two eats of tax forms, bank account information, investments, and auto loans. This will be a real-time saver when you meet with the lender.

Savings and Debt
It is best when you go to buy a house that you have been trying to pay down revolving credit and high interest rate debt like credit cards. It is also best that you try to accumulate funds towards your down payment, closing costs, and expenses such as an inspection. 

Toe the Line
Now is not a good time to change careers, move your money around or purchase big ticket items. If you need to make a big change discuss it with your lender first.

With over 175 informative documents and interactive tools, www.mortgage101.com can help you find the answers to all of your mortgage questions. You will be able to view current interst rates, monthly newsletter and interactive calculators and more.

 

 

Mortgage101.com

USmortgagecalculator.org

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Lucido Real Estate

19455 Mack Avenue
Grosse Pointe Woods, MI 48236
Office Phone: (313) 882-1010
                         (586) 228-9600
Fax Phone:    (313) 882-9277







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