How Credit Score Affects Mortgage Approval in USA
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A buyer I worked with had solid income, stable employment, and enough saved for a 15% down payment. On paper, everything looked clean. Then the lender pulled his credit. A few late payments from two years ago and a high credit card balance pushed his…
Mistakes First Time Home Buyers Make in America
lI’ve seen buyers stretch themselves to the maximum approval a lender gives, thinking it’s a green light. Six months later, they’re stressed when property taxes increase, insurance renewals are higher than expected, or a major repair pops up. Nothing…