home buying snacks

“Realtor”

I never realized that "realtor" could mean different things. And also, (at least here in Massachusetts) the term doesn't seem to be used all that much.  Here's a break down: Realtor can mean: Selling agent: the seller's realtor. Also called listing agent. In the home buying process you will be in contact (indirectly) with this person… Continue reading “Realtor”

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home buying snacks

get prequalified, and then some!

So! Now that you've decided that you want to start looking at houses, you are going to want to get preapproved for a mortgage.  Wait, you said "prequalified" in the title? What is that? Don't worry, we'll get to it.  As I've said before, prequalification and preapproval should t be your first or second step in… Continue reading get prequalified, and then some!

home buying snacks

Laughed off of the phone: a personal story

back in May of 2015, i left my job at a beauty retail store. about a month later i started working for a cosmetics company directly. i was making more money (something i found i needed to do to be able to afford a house). i gave myself a year from the start of my… Continue reading Laughed off of the phone: a personal story

home buying snacks

DTI: why you need to know your debt to income ratio before you get pre approved for a loan

okay. so we've already gone over credit score and how mortgage companies use it to be able to approve you for a loan.  while i was busy being rejected because of my credit score, I learned about another important factor that caused my rejections: DTI: debt to income ratio.  this is just how it sounds:… Continue reading DTI: why you need to know your debt to income ratio before you get pre approved for a loan

home buying snacks

how i improved my credit score

in less than two years, i increased my credit score about 200 points. it seemed so daunting at first. where would i even start? it just so happened that when i was inquiring about home loans, i got different pieces of advice from each lender i spoke to. i made myself a checklist and i… Continue reading how i improved my credit score