Are you worried you won’t qualify for a mortgage? Let’s shut that fear down right now.
Buying a home isn’t reserved for people with perfect credit or massive bank
accounts. It’s about knowing the game and playing it right.
Here’s the deal: Your mortgage rate doesn’t just affect whether you’re approved. It directly impacts your monthly payment and the total amount you’ll cough up over the life of the loan. So yeah it matters.
Hi, I’m Terry Tucker with eXp Realty. Let’s begin with taking a look at what’s happening in Danville.
The biggest factor? Your credit score. The higher it is, the lower your rate. But don’t panic if your score isn’t stellar, this is fixable. Pay down your debt. Stay current on your bills. Stop opening new accounts like it’s Black Friday and don’t close old ones. With the right moves, you can absolutely shift your score and your buying power. Not sure where you stand? That’s what a lender is for and a good one will help you build a game plan to boost your score and set you up to win.
Also, not all loans are created equal. You’ve got conventional, FHA, VA, and more
each with their own rules, down payment options, and rates. So shop around.
Compare programs. Know your options.
Bottom line? You can’t control the economy or where rates go next. But you can absolutely control how prepared you are. And preparation is power. So if you’re even thinking about buying now, a few months from now, or next year, don’t wait. Let’s connect and I’ll introduce you to trusted lenders, walk you through every step, and make sure you’re set up to make a smart, confident move when the time’s right. Reach out to my team and I today. I’m Terry Tucker with eXp Realty and I’m helping people one smart decision at a time!
