Home Buying 101

Home Buying 101

The links below have been written for first-time home buyers (or for anyone that needs a refresher on mortgages). The three most common questions we get are: “What are the rates?”, “What are the fees?”, and “What are the payments?” Please review the sections below for answers to these questions and let us know if […]

Do's and Don'ts with Dallas Top Mortgage Lender

DO’s and DON’Ts

We’ll be honest – we mostly have “DON’Ts” when applying for a home loan and they’re extremely important.  Please take the time to read the details below and let us know if you have any questions. Oddly enough these are some of the most common reasons for undue stress in the 11th hour and a […]

Getting Started With A Home Loan To Purchase a Home in Dallas 200 x 200

Getting Started

The first step in the Home Buying Process or Refinancing Process is to submit a loan application and provide your supporting documents to get pre-approved. Please review the pages below and let us know if you have any questions. Pages with a  are considered mandatory reading. LOAN APPLICATION  The application is the first step and should take you about fifteen minutes to […]

Credit Solicitation When Buying A Home For Sale in Dallas 200 x 200

Opt Out Of Credit Solicitations

When your credit is pulled, the three credit bureaus (Experian, Equifax, and TransUnion) may be selling your information to creditors, so don’t be alarmed if you start receiving random credit solicitations via phone and mail. The good news is that you can opt out to prevent future solicitations. Visit OptOutPrescreen.com or Call 1-888-5-OPTOUT (1-888-567-8688) Think of this as the old […]

Remove Credit Report Disputes

Credit reports aren’t always perfect and occasionally certain items will need to be corrected – that’s where credit disputes enter the picture. When applying for a mortgage home loan, a credit report must be accurate and without disputes. Removing credit report disputes take time and effort, and if you don’t have the time (or want to make […]

Credit Basics and Score for buying a home with Top Lender in Dallas

Credit Overview

“Credit is one of the key components when qualifying for a mortgage.” – Captain Obvious. Everyone knows that credit is important and plays a huge role when obtaining a mortgage but here’s what they don’t know: 1. You can Opt Out of Unwanted Credit Solicitations – it’s free and you should do it 2. Lenders Update a Credit Report Before Closing – it’s […]

5 Ways to Boost Your Credit Score

Good credit scores give you access to lower interest rates, more loan programs, low or no down payment loans and probably the most important is lower monthly payments. Anyone can boost their credit scores to the level of “Excellent”.  There are only a few fool-proof ways to make drastic improvements to your credit scores.  Here […]

The Five Categories of Credit

When purchasing or refinancing a home, your credit scores can impact your potential mortgage interest rate and your APR. This is true for all types of loans: purchases, refinances, cash out refinances, home equity loans, HELOCs, home improvements loans, etc. Below is an outline of how credit scores are determined. A few “quick tricks” to […]