If your future goal is to purchase a home for you and your family; don’t wait until you are ready to start your home search to start preparing your credit scores. That can be too late.
The rule of thumb is to start preparing your credit and credit scores 6 to 12 months BEFORE applying for a loan.
Consider using our 15 years of experience to coach you, help you and point you in the right direction.
We would love to help you.
Disclosure: Credit Expert LLC is not a mortgage loan originator or lender. If you have specific questions regarding a potential home loan, please contact a mortgage banker in your area.
Things to consider before meeting with a lender…
✔️ Credit Score: The higher the score, the more purchasing power you have. Plus, you could possibly obtain better interest rates and lower fees.
✔️ Job stability / Income.
✔️ Debt to Income Ratio.
✔️ Installment Loans & Credit Cards: No late payments during the last 12 months. Create a budget to help pay your bills on time.
✔️ No unpaid collections, Judgements or Tax Liens.
✔️ Pay credit cards down. Pay off if possible, but don’t close them.
✔️ Avoid applying for any new credit within 3-6 months of applying for a home loan.
✔️ Bankruptcy – Possibly qualify after 2 years from being discharged (ask your lender)
✔️ Avoid being blindsided by your credit scores. Use a reliable credit monitoring service that uses FICO® scores. We recommend mySCORE IQ
Home Buying Resources
Click the Pic!
Scroll down to find a home buying resource in your area!
Centennial Homes – Aberdeen SD
Centennial Homes – Billings MT
Centennial Homes – Bismarck ND
Centennial Homes – Dickinson ND
Mark Wesler – Indianapolis, IN
I am Mark Wesler, an Indianapolis area real estate agent who helps home buyers and sellers. I retired in 2019, after serving 30 years as a pastor. I transitioned into real estate because I love helping people find their ideal home. I have lived in Marion and surrounding counties for over 14 years and have had strong connections to these communities. My strengths as an agent include my non-adversarial negotiating skills, my caring and compassionate nature, and my knowledge of the local real estate market. I look forward to helping you buy or sell a home!
Sergio Colicheski – Rapid City SD
Black Hills Realty
I was born and raised in northern New Jersey. After serving in the US Navy I relocated to Florida where I met my wife Danielle. Danielle, a South Dakota girl, brought me back to Rapid City where we started our family. I have been in the real estate business for many years serving as a lender and now as a realtor. I understand all parts of the real estate transaction. When you are ready to take your next real estate step, I would love to help you.
Centennial Homes – Rapid City SD
Don Dunham III – Sioux Falls, SD
When you meet Don Dunham III it’s easy to see why he’s one of the top Realtors in the Sioux Falls area. His many years of experience working with home buyers, knowledge of the real estate market, understanding of home financing and the ability to understand the customers’ needs makes him ready to serve you!
Wendy Rost – Sioux Falls, SD
I was raised and have lived most of my life in South Dakota. We live in Sioux Falls and have raised our family here. We love this city and the people in it. In real estate my passion for people shines. My goal is to help as many people get what they want and love. That can be a home, an investment or a new build. For my team that means helping them to reach their full potential so they are living a life they want. If you are looking to buy, sell, or build a home in the Sioux Falls area please consider us for our experience, knowledge, and professionalism. I look forward to helping you achieve your dreams.
Centennial Homes – Sioux Falls SD
Centennial Homes – Williston ND