First Time Home Buyer Mortgage Info.

North Atlanta GA FIrst Time Home Buyer
First time home buyer?
Some things you should know and consider before making one of the biggest investments and decisions in your life!

Credit scores are a big factor in getting a home mortgage today. We advise clients to be above 640 before aggressively looking for a home. Why 640? 640 is the lowest score most banks offer Before major increases to mortgage interest rates and most banks won’t lend under 640.
You want to wait until you get to 640 before applying.

Banks use your middle score. So your high score and low score are “thrown out” and the middle score is the score used to price your loan and qualify you.

How to Improve Scores? In general you want to have no more than 1-2 credit cards. You should never charge more than 50% of the total allowable spending limit at any time. So if your total limit is $10,000 on a credit card, never spend more than $5,000 on it and make sure you pay it down each month.

White Pickett Fence Home

Everyone wants the white picket fence home. There are a lot of details to discuss, so simply give us a call or check out
our website page at www.NorthAtlantaMortgage.com for more info.

Until then, check out the current rates as of 6.19.13.

Rates are still great and we’re closing purchase loans in under 30 days no sweat!!!

30 year fixed: 3.875%
15 year fixed: 2.875%
30 year FHA/VA: 3.25%
30 year JUMBO to $1,000,000: 4.375%

Contact Liberty Home Mortages LLC For More Info.
[email protected]
404-277-5884

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