There are a variety of factors that are involved in getting your mortgage approved, but few things will have more of an impact than your FICO score and the credit history that goes along with it. Instead of leaving your score up to chance when submitting your application, here are a few ways that you can boost your financial well being and leave your credit score better off than it was before.
Put More On Your Card
It’s important to put purchases on your credit card that you can afford to pay off consistently, but many people are not aware that how much debt you owe can actually positively contribute to your credit score. While it’s good to use up to 30% of your available debt load, a significantly higher percentage than this can be a signal to lenders that you are experiencing financial difficulties. By putting everyday items on credit, it will be easier to give your score an instant boost.
Clear Your Credit History
Many people who think they have bad credit are too afraid to even review it, but it’s very important to take a look at your credit history when it comes to taking control of your finances and your FICO score. If there happens to be incorrect information on your credit report, this will enable you to contact the appropriate lenders and dispute the charges so they can be corrected prior to your mortgage application. It may not seem significant, but this can actually have a marked impact on the outcome of your application.
Make Your Payments On Time
It’s often the case that those who are struggling with debt may push away the bills altogether and give up on the minimum payment, but it’s very important that the minimum is made to keep your financial health in check. It may take a few months to see the results of putting down this amount before the due date, but it will improve your credit over time and forge good habits for the future.
Your credit score is an important aspect of determining your financial health for lenders, and this means that your credit history is of significant importance when it comes to your mortgage. Instead of leaving it up to chance, ensure that you’re making the minimum payments and correct any discrepancies in your credit report.
If you’re currently in the market for a home and are considering your options, give me a call for more information – J.P. Cook – 602-320-4253.
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3703 N Wintergreen Way
Avondale, AZ 85392
$455,000
4
Beds
2
Baths
2,223
SqFt
Status
Active
MLS #
6648052
Property Type
Single Family Residence
Price Type
--
Explore this extraordinary find in Garden Lake Estates, with one of the largest lots in the community. The backyard, with an elongated covered patio, finished concrete work, elegant palm trees, and finished with rock, awaits your personal touch to make it truly yours. Step inside to an open and airy interior, highlighted by an upgraded kitchen with quartz countertops, a charming bay window, and brand-new stainless steel appliances. Freshly painted cabinets and a spacious kitchen island with a breakfast bar enhance the overall allure. The openness continues into the primary suite with vaulted ceilings, two spacious closets, separate bathtub and shower, dual sinks, private toilet room, and a garden-style tub for your relaxation. Don't miss this.
2339 N Wind Drive
Pinetop, AZ 85935
$455,000
3
Beds
2
Baths
1,790
SqFt
Status
Active
MLS #
6653087
Property Type
Townhouse
Price Type
--
GREAT LOCATION in Pinetop Country Club. FURNISHED townhome tucked back overlooking the common area w/ tons of tall Ponderosa Pine trees. True pride of ownership in this 3 bed - 2 bath home. You are greeted with a entry that opens into a large great room, open concept, vaulted ceilings with bamboo accent, gas fireplace, huge kitchen with tons of cabinets & counterspace + stainless steel appliances. This home has a split bedroom floor plan. There is a large pantry w/ a lovely laundry room with wonderful space to work. The Master/Primary overlooks the tall pine trees with amazing privacy. The closet is huge and the bath has lots of space with 2 vanities. The 2 other bedrooms, one has a desk with a fold out couch plus a fold out twin bed. The deck is incredibly spacious - READ MORE Everything else in the home AND garage STAYS! This home boasts of beautiful high quality wood laminate floors throughout (NO carpet)! This cabin in the woods comes fully furnished. What you see when you view the home, is what you get. It is move in ready. Check out the cupboards for dishes, etc. The great room has a ceiling to floor stone gas fireplace. Beautiful window coverings throughout! The garage is oversized and there is also an extra parking spot. Imagine living in the White Mountains of Arizona where you have 4 beautiful seasons and where you can breathe in the fresh mountain air and enjoy the 40 lakes and over 600 miles of rivers and streams. In addition to the amazing fishing, this area has one of the most extensive trail systems in the southwest for hiking, biking, horseback riding, quadding and more. Sunrise Ski Resort is also just 40 minutes away with 3 beautiful mountains to ski, snow board or sled. If shopping is your interest, you will love the antique stores and the multitude of arts and craft shows that happen in the summer. The music festivals have something to fit everyone's enjoyment. Do you love to golf? There are 7 amazing golf courses, 3 that are public. The White Mountains, where this home/cabin is the best kept secret of Arizona! Come and explore and enhance your living! Pinetop-Lakeside was also voted 'Best Cabin Region in the U.S... Embrace the MAGIC!
1849 W 21st Avenue
Apache Junction, AZ 85120
$455,000
3
Beds
2.5
Baths
1,885
SqFt
Status
Active
MLS #
6671957
Property Type
Single Family Residence
Price Type
--
THIS GORGEOUS 3 BED 2.5 BATH HOME SITS IN THE GATED COMMUNITY OF BELLA CORONA, WITH THE MAJESTIC SUPERSTITION MOUNTAINS AS A BACKDROP. THE COMMUNITY OFFERS A SPARKLING POOL, BASKETBALL COURT, AND LUSH GREENBELTS . INSIDE, AN OPEN FLOOR PLAN SEAMLESSLY CONNECTS THE DINING AREA, KITCHEN, AND LIVING ROOM. THE STYLISH KITCHEN BOASTS A LARGE CENTER ISLAND, QUARTZ COUNTERTOPS, AMPLE CABINETRY, AND PENDANT LIGHTING. THE UPPER-LEVEL HOUSES ALL BEDROOMS AND LAUNDRY, INCLUDING A SPLIT MASTER WITH A SPACIOUS WALK-IN CLOSET , SUPER BATH, & PRIVATE BATHROOM. THE BACKYARD BOASTS A COVERED PATIO PERFECT FOR RELAXATION OR ENTERTAINING. THE GATED COMMUNITY, HEATED POOL, SPA, AND DOG PARK. Buyers & buyers agents are to verify all facts & figure ***5K SELLER CONTRIBUTIONS TO BUYERS CLOSING COST ***
1102 W Glendale Avenue
Phoenix, AZ 85021
$455,000
3
Beds
2.5
Baths
1,928
SqFt
Status
Active
MLS #
6681045
Property Type
Townhouse
Price Type
--
Immerse yourself in the vibrant energy of Uptown Phoenix with this charming townhome nestled in a gated community. Boasting 3 bedrooms, 2.5 baths, and vaulted ceilings in the living room, this home exudes spaciousness and style. Located right next to the community pool, relaxation and leisure are just steps away. Whether you're starting your homeownership journey or seeking an excellent rental opportunity, this townhome is the perfect fit. Enjoy the dynamic atmosphere of Uptown and North-Central Phoenix, where trendy eateries, boutique shops, and cultural attractions await your exploration. With quick access to highways, commuting is a breeze, ensuring you're never far from the excitement of the city. Don't miss out on this exceptional opportunity to own a piece of Uptown allure Immerse yourself in the vibrant energy of Uptown Phoenix with this charming townhome nestled in a gated community. Boasting 3 bedrooms, 2.5 baths, and vaulted ceilings in the living room, this home exudes spaciousness and style. Located right next to the community pool, relaxation and leisure are just steps away. Whether you're starting your homeownership journey or seeking an excellent rental opportunity, this townhome is the perfect fit. Enjoy the dynamic atmosphere of Uptown and North-Central Phoenix, where trendy eateries, boutique shops, and cultural attractions await your exploration. With quick access to highways, commuting is a breeze, ensuring you're never far from the excitement of the city. Don't miss out on this exceptional opportunity to own a piece of Uptown Phoenix's allure. Book a tour today and experience the unmatched charm of this delightful townhome.
