Five Factors that Decide Your Credit Score

Scores range between 200 and 800. Scores above 620 are considered desirable for obtaining a mortgage. These factors will affect your score.

Your Payment History. Whether you paid credit card obligations on time

How Much You Owe. Owing a great deal of money on numerous accounts can indicate that you are overextended.

The Length of Your Credit History. In general the longer the better.

How Much New Credit You Have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay promptly.

The Types of Credit You Use. Generally, it’s desirable to have more than one type of credit—installment loans, credit cards, and a mortgage, for example.

For more on evaluating and understanding your credit score, go to http://www.myfico.com/?lpid=NARI3.

Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright / All rights reserved.

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If you are a renter and NOT working with an agent, please complete the form below for a list of properties.

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If you are a seller, your address is sufficient for me to pull closed sale comparables. 

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PLEASE NOTE: Due to the overwhelming demand for rentals, we can not hold a home without a refundable good faith deposit. I am a Realtor® not a scam artist. I will not lose my license over your refundable good faith deposit. Once you are approved, I bring the deposit to your move-in and perform a walk-through with the owner/agent. If you are denied, we can apply your deposit to your next choice OR holding Broker will refund it. If you do not want to secure your deal, I can not help you. No one is holding homes in this HOT marketplace with just your voucher. Trust me. Not happening. I am getting several offers overnight on listings.

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