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You decided to buy a house. Congratulations. Now comes the hard part: Qualifying for a mortgage. If you are like an average American citizen, your credit history is less than perfect. You decided to pull your credit report and saw that you have several accounts at collections. And as any reasonable person thinks, you said “If I pay them off, my credit rating will increase”.  The logic behind this thought is sound. But unfortunately, the credit reporting process deviates a little from causality logic. There are other things to consider before you take it upon yourself to start paying off old debt. Before handling collections during the mortgage process, it is in your best interest to contact your mortgage broker. They deal with this situation day in and day out and they can tell you what is in your best interest. It could be paying off the debt or at least making payment arrangements, or you may be better off by letting the sleeping dogs sleep in peace. Credit rating or credit scores, as they are most commonly known, gets calculated depending on many factors.  The two most important factors in this calculation are: How much of your credit are you using Are you making all your payments on a timely basis This goes without saying but to maintain a good credit score, you need to be making payments towards your debt on time, every time. This makes about 30% of your credit score. You miss a payment one time for one credit card. All your credit ratings will suffer. If you are having trouble making a payment to one or more of your creditors, do not play the emu and bury your head in the sand. Call them and talk to them. Make payment arrangements. If you are late 30 days or more and you have not attempted to contact the creditor, they will slap that late payment onto your credit report, faster than the blink of an eye.

Top mistakes homebuyers make  Buying a home is no simple process. Mistakes are often made at many steps along the way. If you’re better prepared for these mistakes then you’ll be able to bounce back from them or even avoid them. Understanding the top mistakes homebuyers make will make you a better homebuyer for the future. Not only will you see where others had downfalls at but you’ll also see how you can apply the changes to your own life and get the home you want without worrying about any pitfalls.  Not going to an open house The first common mistake homebuyers make is not going to any open houses. Yes, you can schedule a visit to see the home with the real estate agent but an open house gives you a chance to connect with the homeowner and listen to questions that other people had about the house you’re viewing. There could be questions that you wanted to ask or never thought about asking being answered at an open house so it’s always best to attend them when you can. Also, these situations are low pressure so you’ll never have to worry about getting singled out or forced into anything you don’t want to do. You’ll be able to see the entire house on the inside and outside by attending an open house.  Not asking if a price can be lowered Most homeowners who want to sell their home will listen to negotiations from buyers about the price of their home. These negotiations might be simple like removing certain selling costs from buyers or dropping down the overall asking price. However, a homeowner will never get to this point if buyers don’t ask about it first. It’s one of the top mistakes homebuyers make because they get to timid to ask about a reduction in the price of a home. Most of the time, homebuyers are selling their houses for much more than they paid for them. If it doesn’t sell in a certain amount of time, the seller will start to gradually reduce their price. If you notice a home that’s been on the market for a while, asking for a reduction in the asking price is well within your right as a buyer. The owner doesn’t have to say yes but it will give them something to think about. As a buyer, you’ll never know if you’ll truly get the best price of a home if you don’t ask so it’s best to walk into these situations with confidence and negotiate the pricing when you can.

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