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Call Guthrie Group Homes, Real Estate at (925) 628-2436 | DRE #01117537Guthrie Group Homes, Real Estate - Keller Williams East County
Real Estate - Home » Credit

Articles about Credit relating to Real Estate and Mortgage Loans

Articles about Credit relating to Real Estate and Mortgage Loans.

Credit is the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.

In other words, credit is a method of making reciprocity formal, legally enforceable, and extensible to a large group of unrelated people.

The resources provided may be financial (e.g. granting a loan), or they may consist of goods or services (e.g. consumer credit). Credit encompasses any form of deferred payment.

Credit is extended by a creditor, also known as a lender, to a debtor, also known as a borrower.

Multigenerational Home Buying: How to Find a Home That Fits Your Whole Family

November 7, 2024 By Libby Guthrie Leave a Comment

Multigenerational Home Buying Guide

For many homebuyers, multigenerational living used to be considered an option of last resort: it was a route families took only when they needed to ride out a financial storm or care for ailing family members. But that mindset is on the decline: A growing number of families now say that they are embracing multigenerational […]

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Filed Under: Home Buyers Tagged With: Credit, Home Buying Tips

Top 4 Factors to Consider When Choosing Your Mortgage

August 12, 2024 By Libby Guthrie Leave a Comment

Top 4 Factors to Consider When Choosing Your Mortgage

With home prices and rates still relatively high, securing a mortgage can feel daunting––even to the most experienced borrowers. But don’t let that deter you: If other homebuyers’ experiences are any indication, odds are you’ll eventually find a home loan that works well for you. In fact, most U.S. homeowners say they’re satisfied with the […]

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Filed Under: Financing Tagged With: Credit, Credit Score, First-Time Home Buyers, Mortgage

8 Strategies to Secure a Lower Mortgage Rate

September 19, 2022 By Libby Guthrie Leave a Comment

8 Strategies to Secure a Lower Mortgage Rate

Securing a Lower Mortgage Rate can save you thousands of dollars over the life of your home loan. Here are 8 simple ways to do so. Mortgage rates have been on a roller coaster ride this year, rising and falling amid inflationary pressures and economic uncertainty. And even the experts are divided when it comes […]

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Filed Under: Financing Tagged With: California Real Estate, Credit, Home Buyer Tips

A Competitive Credit Score Saves Big When Actually Buying a Home

October 19, 2021 By Ken Guthrie Leave a Comment

Your Credit Score is incredibly important when you plan to buy a house or refinance a home mortgage. Yet this is one of the most overlooked parts of a home buying plan. The challenge is to start well ahead of the actual purchase of a home so you can position yourself in the best possible […]

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Filed Under: Financing Tagged With: Credit, Credit Score, First-Time Home Buyers, Home Buyer Tips, Mortgage

Tips for Buying a Home Even When Your Credit Profile Isn’t Ideal

March 23, 2021 By Guest Leave a Comment

Tips for Buying a Home Even When Your Credit Profile Isn’t Ideal

Guest Post by Bob Shannon Photo from Pixabay When making large purchases that require a loan, building a good credit score is critical. Despite your best efforts, you may find that your credit profile isn’t ideal when it comes time to purchase a house. Many people find themselves in this situation, but there are things […]

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Filed Under: Financing Tagged With: Credit, Credit Score, Home Buyer Tips, Home Buying Tips

Tips for Cutting Household Expenses [VIDEO]

May 29, 2020 By Libby Guthrie Leave a Comment

Tips for Cutting Household Expenses

 Question: Libby, can you give me some tips on cutting household expenses? Answered by Libby Guthrie Video Transcript Hi, I’m Libby Guthrie, Keller Williams Realty in Northern California. I’m going to give you some tips today on cutting your household expenses. I know Ken and I have really looked at our expenses lately and have […]

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Filed Under: Home Improvement Tagged With: Credit, Video

Pre-Qualified vs Pre-Approved: What’s the Difference?

One of the first steps in purchasing a home is getting either pre-approved or pre-qualified for a mortgage. Unless of course, you’re buying with all cash. 😁 It’s very easy to get confused between the two things. So, should you get Pre-Qualified or Pre-Approved for a mortgage loan? Without getting into too much detail, we’ll give you […]

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guthriegrouphomes

Libby Guthrie, Realtor
@ Keller Williams 865-966-5005
🏡 Helping You Make the Move to Knoxville
📱 Cell: 865-364-0200
🏡 Good People, Great Homes!

𝐌𝐨𝐬𝐭 𝐁𝐮𝐲𝐞𝐫𝐬 𝐖𝐚 𝐌𝐨𝐬𝐭 𝐁𝐮𝐲𝐞𝐫𝐬 𝐖𝐚𝐧𝐭 𝐚 𝐌𝐨𝐯𝐞-𝐈𝐧 𝐑𝐞𝐚𝐝𝐲 𝐇𝐨𝐦𝐞Is your home TRULY move-in ready? The majority of homebuyers say it's important!Don't let outdated features or minor repairs stall your home sale.Visit our blog for an action plan to prep for today's market!🔗 [Link in Bio]#homestaging #moveready #sellingtips #homeupgrades #realestatestrategy #sellerprep
Here's the big question: Would you rather…⁣
⁣
🅰 Pay less for a home today with a higher mortgage rate?⁣
OR⁣
🅱 Wait and pay more for a home with a lower rate?⁣
⁣
👉 If you're unsure, consider this: Buying at a lower price (even with a higher mortgage rate) can mean less competition and a chance to refinance later if rates drop.⁣
⁣
Which would you choose? Let us know in the comments! 💬⁣
⁣
#RealEstate #RealEstateAgent #HomeBuyingTips #MortgageRates #WouldYouRather
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