Preparing to buy a home STOP paying for credit repair

STOP PAYING FOR CREDIT REPAIR

I recently had a client call me looking for a rental.   He explained that he had just paid  $1500.00 to get his credit repaired.   His credit score was 600, and he wanted to get a short term rental, until his score went up in 60 days so he could buy a home.  He said the guy that sold him the credit repair plan was “good people”.

Issues:  the minimum score needed to purchase home is 580, the $1500 could have been used to pay down some of his debt and raised his score immediately or used as his total down payment with a first time home buyer plan.  Of course there was no refund on the credit repair.

Another client called she put down $199.00 and was paying $49.00 a month for credit repair and $9.95 for monitoring services.  The person who sold her the plan promised that her score was going to rise to 800.  She would see results in 90 days. 

Issues:  credit repair is not going to get your score to 800, again the payments made could have gone to debts.  Six months later you are paying a monthly fee but your score is not improving

Credit repair companies work. They charge you a down payment and a monthly fee. They are run by lawyers and better business bureau companies. Most credit repair companies will challenge everything on your credit once. This raises your score 20 points in the first month. So it worked.  Then they explain that it will take another 6 months to bring the score higher. After 6 months of payments, you see no more results. If you would like to pay 6 months for a 20 point raise in your score it works.

WHEN BAD THINGS HAPPEN TO GOOD PEOPLE

 There are things on your report that cannot be repaired. If you owe a high balance on a credit card, credit repair cannot help. You have to pay down debt to increase your score.  Liens, judgments, bankruptcy, foreclosure, charge offs, medical bills, collections, repossessions, inquires and late payments cannot be repaired with credit repair if they are True!  They can be explained

Lenders know that things happen in life, some negative information will be ignored by lenders, in some cases, if it is 2 to 5 years old, explanations can be written to explain away other items. 

If your name was spelled wrong on your credit report and you corrected that it would raise your score.  When everything is challenged on your report sometime they drop off, but the information returns once the debt collector reports it again a month later.  Canceling some credit lines and paying off the wrong debts could hurt your score in some cases.

The minimum score needed to purchase a home is 580.  Lender will ignore some debts, depending how old they are. So you don’t need your score to be 800 to purchase a home.  Interest rates are below 5% with a 620 credit score.  (I have a buyer making $29k a year, he qualifies for $150k, and his monthly payment will be less than $1200.00 a month)

FREE CREDIT REPAIR FOR HOME BUYER’S

We help you repair your Credit so you can purchase a home

Get the good credit you deserve!

Restore your Credit and Purchase a Home

We offer highly effective, proven results at no charge!

Contact me today to find out how you can significantly improve your credit score

Has your credit score been holding you back from purchasing a home? We will examine your credit and tell you what you need to do to purchase a home.  We will work with you to repair your score, and get rid of negative items so you can purchase. We will continue to work with you until you are ready to buy.  There is no charge for this service.  When you purchase your home the seller pays my commission.

FREE MONEY TO PURCHASE YOUR HOME

Interest rates are low, once we get your score up to 620, you can receive from the State of Maryland, down payment assistance.  Maryland is giving away $5000.00 to $40,000.00 to help you purchase a home right now. This money does not have to be paid back in most cases. If you have $1000.00, one program will give you $40,000.00 to purchase a home.   If you wait 3-6 months for credit repair you will miss out, the money does not last forever.  If you have not purchased a home in the last 3 years you are considered a first time home buyer. Contact me today to see which programs are offered in your area. 

YOU HAVE HEARD THIS ALL BEFORE

So what’s holding you back from contacting me today?  You have heard this all before, the difference this time is that there is NO CHARGE.  No monthly fees, no yearly fees, no upfront charges, the seller of the home you purchase pays my commission.  You are one phone call away; in fact you can contact me by email .  All credit considered!

I am a real estate agent who helps buyers achieve home ownership through a variety of first time home buyer programs. I have programs for teachers, firefighters, policeman, nurses, medical certified, military personnel and all first time home buyers.

http://www.1sthousenetwork.com/first-time-home-buyer-down-payment-assistance.html

First Time Home Buyers can get into a home for as little as $500 DOWN!!!
Ask Me How!

http://www.1sthousenetwork.com/buy-a-home-with-500-down.html

"What is the process for buying a home?"  This is a question I receive from First time Home Buyers. Here are the steps to buying a home:

http://www.1sthousenetwork.com/steps-to-buying-a-home-in-30-days.html

Think your credit is holding you back; learn how to fix your credit without credit repair.

http://www.1sthousenetwork.com/free-credit-repair.html

Have you experienced a damaging credit event like a foreclosure, bankruptcy or short sale, find out if when you can qualify for a mortgage again below.

http://www.1sthousenetwork.com/when-can-you-buy-again.html

Tired of paying the high cost of renting?

http://www.pinterest.com/wesleyhoward/1st-time-home-buyer-programs/

Thinking of buying, selling, or building a new home?

Receive up to $40k in down payment assistance when you purchase, Contact me today

http://www.1sthomenetwork.com/contact/

Email: Wesley@1sthomenetwork.com
Website: http://www.1sthomenetwork.com
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