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CREDIT REPAIR

  • Finding the perfect home is still the American dream, but finding someone willing to lend you the money for it, is a growing nightmare.
  • When you apply for a mortgage, the lender’s first step in deciding whether to provide you with a loan is often reviewing your credit score.
  • There were 12.9 million home loan applications in 2018 and 7.7 million resulted in mortgage approvals. That means 5.2 million applications were denied, which was an increase of 924,000 denials over 2017.
  • In many cases, the disapproval was because consumers didn’t check their credit score before they went searching for home. The housing collapse of 2008 is still fresh enough to make lenders cautious with their money and wary of people with poor credit.
  • The lower your credit score, the higher your mortgage interest rate will be, assuming you qualify for a mortgage at all. Those low fixed rate mortgages you see advertised are reserved for applicants with high credit scores and aren’t available to you if your score is less than stellar.
  • Mortgage lenders use check lists to determine if you qualify for a loan. If you have defaulted on a mortgage in the last seven years, that can scuttle your application. Even being more than 30 days late on a loan payment in the past year can be disqualifying. Knowing the rules in advance can save you grief.

TRADELINE (Authorized User)

  • Being an authorized user on another person’s credit card account could have an effect when you apply for a mortgage, especially if the account has a positive payment history, primarily because it shows up as a trade-line on your credit report along with your own credit card and loan accounts.
  • Becoming an authorized user on credit accounts may help you establish and improve your credit scores, which can be a good first step on the way to a mortgage loan.
  • If you’re an authorized user, you’ll be able to use the other person’s credit line, and though the credit card will show up on your credit report, you won’t be responsible for making payments. If the card doesn’t have a high balance and the primary cardholder makes payments on time, being an authorized user can boost your credit scores.
  • When applying for a mortgage, a lender is going to be looking for at least two open trade lines. Without any active trade lines, you probably don’t have a credit score, or if you do have a credit score, it is probably very low, because there is no active credit account supporting your credit score, a necessity in securing a mortgage. In order to get a mortgage these days, you’re going to need a credit score of at least 620 for most loan programs, including the conventional and FHA types.

REAL ESTATE

  • When you begin looking for a mortgage loan, you’ll start with a preapproval. In this stage of the mortgage process, lenders will review your credit and financial information and give you an idea of your chances of getting approved and how much you might qualify for.
  • Owning your home gives you a size-able investment. Homeownership brings intangible benefits, such as a sense of stability and pride of ownership, along with tax deductions and equity. Not only do you have your own home, you can make decisions about the look and design of the space. You also get a sense of stability and pride of ownership.
  • Homeowners may benefit from certain tax benefits. The home mortgage interest deduction reduces any out-of-pocket expenses during the early life of the loan, as long as deductions are itemized. Homeowners can deduct the mortgage interest on a mortgage loan of up to $750,000? They can also deduct property taxes of up to $10,000 every year.
  • Buying a home can be a very good investment. Acting as an automatic savings account as each payment increases the equity in your investment. Every rent payment you make to your landlord creates more wealth for your landlord, on the other hand, each mortgage payment would build equity in your property, providing you with a valuable asset that you can pass down for generations. As a homeowner, you have the opportunity to obtain a 30-year fixed-rate mortgage loan, meaning you will be able to lock in your monthly mortgage payment for the term. As home values rise and homeowners pay down their mortgage balances, their equity affords them cash needed not just for new economic opportunities but to fund their regular expenses. You can also borrow against the equity in the home. Once you have substantial equity, you can take out a home equity loan or cash-out refinance and use the proceeds to put a down payment on an investment property. For the majority of households that transition into homeownership, the most recent data reinforces that housing is one of the biggest positive drivers of wealth creation.

BUSINESS CREDIT

  • Building solid business credit is a wise goal for any business owner — including real estate investors. Good business credit comes with a lot of perks. First and foremost, it may help you qualify for commercial loans in your company’s name (often at decent interest rates).
  • With many types of investment property loans, lenders check your personal credit reports and scores when you apply for financing. Good personal credit may help you to secure better terms and lower interest rates. But there’s also a higher level of individual risk involved when you put your name on the line for an investment property.
  • When you use business credit to buy real estate, your personal level of risk goes down. Instead of checking your consumer credit reports and scores, the lender will generally review your business credit instead.
  • When you take the time to establish solid business credit, you can leverage it to access money. You can invest that money wisely and, if the process goes well, use those funds to make a profit in your real estate investment business someday.
  • Another way you can leverage your business credit to help your real estate business is by taking out a general business line of credit. These accounts are similar to business credit cards in several ways. Like a credit card, you can use a line of credit up to the credit limit, pay your balance down, and repeat the process as long as the account is open and in good standing. Business lines of credit can be helpful when you need to make purchases that you can’t take care of with the swipe of a credit card.
  • Instant Funding: With a business credit card, you don’t have to wait 30–60 days (or more) to access the funds you need to make your purchase
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Building solid business credit is a wise goal for any business owner — including real estate investors. Good business credit comes with a lot of perks. First and foremost, it may help you qualify for commercial loans in your company’s name (often at decent interest rates).
With many types of investment property loans, lenders check your personal credit reports and scores when you apply for financing. Good personal credit may help you to secure better terms and lower interest rates. But there’s also a higher level of individual risk involved when you put your name on the line for an investment property.
When you use business credit to buy real estate, your personal level of risk goes down. Instead of checking your consumer credit reports and scores, the lender will generally review your business credit instead.
When you take the time to establish solid business credit, you can leverage it to access money. You can invest that money wisely and, if the process goes well, use those funds to make a profit in your real estate investment business someday.
Another way you can leverage your business credit to help your real estate business is by taking out a general business line of credit. These accounts are similar to business credit cards in several ways. Like a credit card, you can use a line of credit up to the credit limit, pay your balance down, and repeat the process as long as the account is open and in good standing. Business lines of credit can be helpful when you need to make purchases that you can’t take care of with the swipe of a credit card

Instant Funding: With a business credit card, you don’t have to wait 30–60 days (or more) to access the funds you need to make your Arcu habitasse elementum est, ipsum purus pede porttitor class, ut adipiscing, aliquet sed

STUDENT LOAN FORGIVENESS

Among recent home buyers, nearly one-quarter of all home buyers, and 37% of first-time buyers, have student loan debt, with a typical amount of $30,000. Even more troubling, 61% of non-home owning millennials said that student loan debt is delaying their ability to buy a home. According to a recent NAR study on student loan debt, 51% of all student loan holders say their debt delayed them from purchasing a home. Thirty-six percent of student loan debt holders say student loan debt delayed their decision to move out of a family member’s home, a percentage that rises to 52% among Black debt holders.

NAR research indicates that student debt negatively impacts the ability of potential home buyers to save for or meet down payment requirements. Student debt is also having an impact on potential homebuyers’ ability to qualify for a home due to high debt-to-income levels. These factors have limited their access to affordable mortgage options needed to purchase a home. Though a vast majority of borrowers have been responsible and diligent in making their student loan payments, their ability to save for priorities such as emergency savings, medical expenses, and down payments have become more difficult and impact their decisions such bitasse element.