CENTURY 21 Towne and Country
474 Jake Alexander Blvd. West
Salisbury, NC 28147
Contact Lin to buy, sell, or invest in real estate.
Your Credit History
As part of the loan application process, virtually all lenders will want to see a copy of your credit report. The report will list all your long-term debts (credit cards, mortgage payments, automobile and student loans, etc), as well as your payment history. If you don't have a copy of your credit report, most lenders will generally require you to pay for a copy when they process your loan application.
However, most real estate experts agree that it is a good idea to obtain a copy of your credit report several months before you apply for a loan. This is so you have a chance to resolve any problems with your credit before your bank sees it. U.S. Federal law ensures that you have access to your credit report, which may be obtained from your local credit bureau or any of several national firms that specialize in credit reports.
Errors on your credit report
Bankruptcies and foreclosures
Estimate YOUR FICO Credit Score How Much Can You Afford? Refinancing Leveraging Your Money Length of Your Mortgage Saving for the Down Payment Closing Costs How Mortgage Loans Work When To Pay Points How to Set a Price for Your House Adjustable-Rate Mortgages Equifax Credit Information Free Reports Free CMA Request Getting Your Finances in Order Mortgage Glossary Your Credit History What is a CRS? (Certified Residential Specialist)
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