Common Lenders to Avoid

Categories:

Just because a bank says no, doesn’t mean you can’t get a loan. In fact, you can get one in six months or less. How? By avoiding these common lenders:

  • Mainstream “Big Bank” companies since their focus is volume and quality credit.
  • Traditional mortgage companies. They focus on closing deals in 30-days because they pay their sales staff commissions once a month.
  • Credit Unions. Most don’t have the resources to focus on clients who need a little credit help.

Ready to take the first step in getting a home loan? Learn more at smartwithdebt.com.

0 Comments/by

Credit Tips: Make More than You Spend

Categories:

Another credit card downfall many people need to be aware of is how much they’re making versus how much they’re spending. If you have more bills than income, creditors will frown upon you.

This tends to happen to many of us when we’re in our 20’s. At this time in our lives, we’re often presented with a minefield of temptations, bad decisions, and hard lessons.

It’s okay.

As Smart with Debt, we want to help you cross that minefield unscathed. Or, if it’s too late and you stepped on a financial bomb, we want to help put your life back together so you can own a home and save money.

A lot of money!

0 Comments/by

What three habits do people with good credit scores have?

Categories: ,

Do you ever wonder how people achieve such high credit scores? Well, find out some of their habits here!

0 Comments/by

Credit Tips: You Don’t Need to Wait Years To Apply for a Loan

Categories:

Did you know after you clean up your credit, you don’t need to wait 12 to 24 months to apply for a home loan? You can actually apply within six months. The main reason online credit cleaning companies like to keep you around so long is because they want to charge a monthly reoccurring fee. The longer you stay, the more money they make.

Don’t fall for this common trick!

To learn more credit strategies, and how you can get a mortgage when the bank says no, get in touch with us!

0 Comments/by