Tag Archives: pre-qualifying for a mortgage

How to Check My Credit History?

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How to Check My Credit History?

Your credit history will determine your eligibility to obtain a mortgage to finance the purchase of your property.  Also, your credit score will determine the rate you pay on your mortgage.

As you will see from this video, there are three major credit reporting companies:

  • Equifax – www.equifax.com 1-800-685-1111
  • Experian – www.experian.com 1-888-397-3742
  • Trans Union – www.transunion.com 1-800-916-8800

Obtaining your credit history is as easy as calling and requesting one.

Once you receive the report, it’s important to verify its accuracy.

credit-history

Checking Your Credit History is An Important First Step to Financing Your Purchase

If there are issues with your credit (late payments, too many credit lines open, or too few, insufficient credit available, age of credit, public record collections, judgments, or bankruptcies, etc.) you may wish to work with a credit repair firm to assist you in raising your credit score.

It’s wise to do this before you begin shopping for a mortgage or a property.

For answers to questions you may have about your credit, please call one of our staff members at First title & Abstract, Inc, at either our Naples or Marco Island office.

We can help put you in touch with credit repair companies and mortgage professionals to assist you in your quest to finance your purchase.

How Do I Begin The Process Of Buying A Home?

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Home-Buying 101 – First Steps

Buying a home is part of the American Dream!

This video outlines some of the basic first steps to consider when embarking on the journey of becoming a homeowner.

Remember these pointers from the video:

  • Are you ready to buy a home?
  • How much can you afford in a monthly mortgage payment?
  • How much space do you need?
  • What areas of town do you like?

After you answer these questions, make a “To Do” list and start doing some research.

Talk to friends and family, drive through neighborhoods, and look in the “Homes” section of the newspaper, or online.

And of course, you should meet with your mortgage lender to be pre-qualified for a mortgage so you will know what you can afford.

Then, you will wish to pick a Realtor to help you find your dream home in the right neighborhood which meets all your requirements.

House-in-handWe can help by recommending reputable mortgage lenders and Realtors in the area to help you along the way.

Then, we’ll be there at the end to help you take title and insure your ownership rights and protect your investment.

For more information, please call our Marco Island or Naples office of First Title & Abstract, Inc.

We’re eager to answer any questions, make recommendations, and serve your real estate needs!