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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.

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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5 Little Known Hacks to Boost Your Credit Score

April 17, 2018 By Ken Guthrie Leave a Comment

5 Little Known Hacks to Boost Your Credit Score

BEFORE You Buy A Home! *  Please read our disclosures at the end of the article. You probably know by now that your credit score is critical to not only be able to qualify for a mortgage but also to get the best rate on your loan. So before you go house hunting, let’s get […]

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Filed Under: Home Buyers Tagged With: Credit, Credit Cards, Credit Score

How Credit Cards Affect Your Mortgage Application

May 15, 2017 By Ken Guthrie Leave a Comment

So you think you’re finally ready to buy a house, but you have some credit card debt you’re thinking of paying off first. You’re wondering if your credit cards will affect your ability to get a mortgage. That’s a smart thing to wonder!  Getting your credit in order before you apply for a home mortgage […]

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Filed Under: Financing Tagged With: Credit, Credit Cards, Mortgage

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guthriegrouphomes

Libby Guthrie
Keller Williams Realty
Knoxville, TN
Office: 865-966-5005 ☎
Cell: 865-364-0200 📱
Good People, Great Homes! 🏡

Guthrie Group Homes Knoxville
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