How To Prepare Your Credit Score To Buy A Home (2021)
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- čas přidán 14. 11. 2021
- #credithacks #creditscore #homebuying #creditrepair
Credit is so important and doing just a few little things can really make a difference when it comes to your credit score. With a conventional mortgage or Jumbo mortgage credit is the key to the best mortgage interest rate.
Clearly, I love doing loans! Need a mortgage or want to chat about your scenario? I am licensed in 48 states for purchase and refinances. Here is how to contact me:
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You always have me blushing 🤗
Good info!
This is the best video on credit that I have ever watched! I’m working on boosting my really good score to a great score. Thank you for the tips!
Thank you Paula!
You always have such valuable information I love this channel.
I appreciate that!
I appreciate your videos so much! It really gives me a look at what lenders care about to qualify for a home. It gives me a little bit of hope that if I make some changes we can get buy a home!
You got this!:)
Excellent content and informative. You're always dropping gems. 💎 😊
Thank you!
Thank you sooo! Much !!! I Mess up my dreams buying a house is now 🥺
very nice. love it
always worth revisiting
For utilization, always pay down or off before the statement date, statement date, statement date…
When do statements drop and are they all the same for all credit cards?
@@ryne1226, no. The statement date is obtained in your credit card statement, usually there is anywhere between 4 to 6 days difference from your due date…
@@antonioreyes2692 ok thanks
I always found it weird that you get punished for using the thing you want. It’s only a win for them with the interest.
I'm trying to buy a house. I was told that my mortgage score wasn't showing and that I needed to wait about 2 more months. I'd never heard of a mortgage score. Why can't they see it. My lowest Fico score is 737. I've been working hard. I've learned tons since March, 2023. Thank you in advance. I'm currently doing everything thing uve talked about. Even disputed 2 things that got removed literally the next day for me. A week for my daughter. Thanks again. Very detailed video.
Thankyou Great video so helpful
Happy to help! Thank you for tuning in
This may be my fav video!! 🥰🥰
Thank you!! Appreciate you ❤️
Great video😊💪🏽
Thank you 🙌
Paying off all debt is key..
Great presentation!
Thank you kindly!
Jan, you are life!
Thank you!:)
Great video😀
Thank you Carlos!
I found that not using my debit card so helpful. I will start working to get a credit card for sure. I have never used my VA loan here in Alaska. My credit score is not good. I pay everything with my debit card. All my bills are paid on time with my debit card at present. Very helpful for me to start to get my score up. I will call you when I am ready for sure, Thank You!
Look forward to chatting!
I love this! I learned a valuable lesson just recently about credit. I had a card with a huge amount of available credit on it and I was determined not to use it and was doing well. Then they offered me this balance transfer deal! I ignored it for months and then I decided to read the information and decided I would transfer an amount from another card to this one to get the no interest deal and since both cards were open, I figured my score should be fine because it's not new credit..I'm reducing one a lot and adding the same amount to the other one. Well, my score dropped 24 points!!! I was like, wth???? Needless to say, I'm paying that transfer off lightening fast and will not fall for that ploy again!!! I had no idea that would happen...I really didn't.
Yeah balance transfers can definitely look way better then the reality. Most have a fee that you pay as well at 2-3% to get 0% for 12+ months.
Thank you for such helpful information I am so nervous to go through this trying to get my report in order so in a year I hope to try to see if I can even qualify and for how much 😊😊😊
You can do it!😊 I'm here if you need any help ! 707-478-0637 or you can schedule a mortgage consultation with me calendly.com/jennifer-beeston
Is it good to pay full balances on old debt or negotiate a settlement? Great video!
Also are you licensed in New York? Thank you, the way you explained everything was clear and to the point. Very good job.
Yes I am licensed in New York! Thank you you so much!
I just subscribed.. great video
Thank you!!! :)
As a VA home purchaser, a VA friendly lender knows that story financing is what it is all about! The story is where it all happens :)
What do you mean by “the story?”
@@faithkoebert406 - The story is basically your financial history story. The lender will look at not just your score and accounts, but will listen to you explain negative things on your credit. My lender listened to the fact I had a job gap that negatively impacted my credit. It didn't mean I couldn't get financed, as long as I worked to get all the little things cleaned up, I was able to get financed.
Best thing I heard was “credit cards are the devil”! Unless you can handle the devil. Playing with fire Ricky Bobby !
🤣🤣🤣 nice Taledegga nights reference
Hi Jen - great video, thank you for sharing! Quick question regarding closing accounts and I honestly don’t know the answer to this neither have I researched on it yet. My wife and I are planning to pay off the remainder of her student loans sometime next year and also we are possibly exploring the options of looking into our first home buying options. Will paying off student loan and hence closing that account affect her credit report to an extent where it could ding her credit score to an extreme and cause issues with buying our home?
If she has no other credit then potentially. Closing costs depend on state. Best to have a 5 min chat before you make any big money moves. You can pick a time here calendly.com/jennifer-beeston/preapproval-q-a
I’m a veteran and watching this is a blessing. I was late between 2020-2021 a few times. I had multiple family members pass away causing depression triggers. Then 2 of my best friends died. It was horrible. My payments fell behind and I forgot about auto pay. But thank you for this. I’m back on track. Thank for this.
You got this. I am sorry for all the tragedy you have encountered recently but I can tell from your message the page has turned and that makes me very happy for you and excited to see what happens next for you. Only good thoughts!:)
Sending so much love and light to you. I’ve had a similar situation happened and it is so sad because everything gets turned upside down even finances when you’re grieving. Be encouraged that the best is YET to come.
I’m working on cleaning up our credit and this is so helpful to prepare our credit to buy a house!! I love that you are factually giving us information to help us!! Thank you so much 😊 What is the difference in processes for Buying a new build versus a already built or older home? Do you still need to go through the process or go through community home builders they set you up with? I’m so confused.
I would get preapproved by the builders lender and an outside lender so you can compare. Always good to have a few lenders to choose from :)
We need to hear more about "freezing credit". It is actually something that is a bit difficult to figure out. Not alot of ppl talk about it.
I will do a video on it. Super easy to do and can save you from a lot of headaches and silly store cards you don't need
Hello Jennifer, how does student loans factor into credit utilization and loan determination if payments are being made while still in deferment?
So True! it happened to me over $8 interest. I thought it was paid in full... I fought with them and they fixed it but I still have late payments showing for $8
Its wild and happens so often
The ole "pay off quick to raise score" scheme, is coming to an end with Fico 10T......
What about limited credit history? I'm stressed out and feel like, no one would lend me money. lol. I've talked to some of uour staff. They're amazing! Just amazing! Thanks, Cathy
Limited history can be OK. I would need to review it to see. Glad you like the team. I will pass on your compliments:)
My app is in underwriting with your team. That's why I asked. @@JenniferBeeston
Perfect. It should be out very soon and then you and I will be chatting. I look forward to it:)
Might want to talk about this rescore thing that a lot of Mlo’s do for clients as it relates to credit scores.
Good call. I am not a fan of "rapid rescores" as they are never rapid and often do not give the hoped results. I only use in case of an extreme emergency.
Claimed
How long after i open a new line of credit to apply for a mortgage?
Can you do a video on buying a house with student loans and with new employment?
Sure:)
That is a great request because many of us have student loans and owe more than initially borrowed but would still like to buy a home.
Hi I have a question…… I have several cc and want to consolidate into one bill. In 2-3 yrs I will have cleared that debt and buy a house. Is that a good idea or tackle the cc debt as planned?
How do unsecured personal loans affect your chances. I got personal loans to pay off credit cards and to reduce interest rate, and lower my total monthly payment, resulting in my credit score going up. But how does the underwriters perceive those loans when looking at my credit worthiness. They are autopay loans, so I don't really worry about them, although I make it a habit to monitor my credit carefully.
Im looking to buy a house in May, have a 665 credit at the moment, about 6 cards (3 of which opened within last 7 months) but have total utilization of around 30%, all payments on time at 98% on time payments( haven’t missed a payment since 2020) What would you suggest for me to get approved in may with down payment assistance. Looking to pay max 6k in closing costs for a $239,000 house.
Thank you for dissecting this topic. I have 2 questions. I just got married and we're trying to buy a home. We want to combine our accounts, and I have a credit card with my bank that I use for daily expenses. I order to add her to the account they have to pull her credit. We both have over 760 credit scores and have already been pre-approved. Should we wait to combine or would it matter? #2 How do you freeze your credit like you had mentioned.
I would wait to combine if you are actively shopping. I will do a video on credit freezing:) stay tuned
When applying for a mortgage, do they really look back the last 7 years of payments in your credit? My father died in 2017 and I was also going through a divorce, so I missed payments for basically 5 months.
I'm wanting to buy a home soon, should I wait until those missed payments fall off after 7 years? Next year they will fall off. I haven't missed a payment since then.
I have a question is there a specific amount of credit i should have before trying to get a mortgage like 5000 or 10000 in credit ?
Keep your credit clean and streamlined,so you don’t upset their computer.
Pretty much
what if your tell a bunch of lenders, brokers for a mortgage loan to match other mortgage loans to different lender, don't they do an inquire on your credit history that could possibly lower your credit score?
I’m still confused… So are there specific days I need to have my payments in so my credit looks good? I currently have one credit card, two personal loans, should I just pay them off and close the accounts, or keep them at minimal ?
Do not close your accounts. Pay them off weekly a month before you have your credit pulled
Hi Jennifer, I live in Southern California and I was gonna purchase within 2 years after my vehicle is paid off! I have a credit score of 767 I know it depends of the price of the house but to put 20% down but realistically how much do I need to put down? Would it be better just to wait until my credit gets above 800?
Depends on price point but 3 and 5% downpayment are available
Sounds like a game.
The game of life
Your due date is 3 days before the last day of the billing cycle. Don’t pay using the due date.. it’s a trap. I always pay in full before end of billing cycle.
Thank you for this video!! Is paying off a car that I bought in 2023 a bad idea? This will lower my DTI to 0 but not sure if it’ll also lower my score too much. Currently at a 790 score.
Found one your videos from last month that talks about this exact ask.
czcams.com/video/iRl_JhNXu08/video.htmlsi=5Nsd6dY5-aUW4AnR
Your credit score is already pretty high so paying off the car likely is not going to have a very big impact. In regards to paying it off, if you are doing it because you think you need to to qualify, make sure you talk to a lender first as generally, we would have you pay off the car at closing if you had to
not before.
@Jennifer Beeston so is it better to have a credit card ( at least one) because I don't, was thinking about applying but my credit score has been steadily rising without one due to my on time payment. If I get a CC how long would it take to be able to apply for a mortgage ( my guess is a year or two correct?)
It could be within 3 months. Assuming you have student loans or a car loan. Something has to be driving your score up
@@JenniferBeeston yes I have a car loan and I've also linked all of my autopay bills to my Experian account👍🏾 So do you recommend to have at least one CC anyways?
i have been trying to fix my credit and getting funds till i was recommended to john and he boost my score also got me huge finance .. check him out he will do the same thing to you that you can never imagine.! mail john
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I want to start the process of buying a house. I have some late payments on my credit report but it was 4 years a go the last time I was late on my credit cards. Since then I been good making payments on time. Do you think those late payments from 4 years a go will affect in qualifying for a house mortgage loan? The only thing holding me back from applying for a mortgage loan is that. I’m not sure if those late payments from 4 years a go will affect me. all my accounts now are on auto pay and have been current and in good standing for the last 4 years. I even gotten automatic credit line increase because of how good I have manage all my accounts for the last 4 years.
I would not be stressed over lates 4 years ago if you have positive credit now
I take out cash in the branch when I need. I don’t use debit cards whatsoever. Also I am using the my credit card as a 0% interest 14 month loan with a visa balance transfer so my credit dropped like 60 points from 805 to 745 due the credit utilization :(
745 is still really good
I put a 2k charge on my card a couple days before it reported.... Cost me 62 points.
I paid it off within 2 weeks, but it took 2 months to recover my score.
So be aware of WHEN your card is going to report and avoid spending at that time of the month.
I now use multiple cards. Some report at the beginning of the month and some at the end. So I use them according to that.
I am trying to buy a house now and the only thing I am worried about is inquiries.
I bought 2 motorcycles in 2021 and the dealership had 17 damn banks ding my credit so now I have 17 inquiries.
I have 1 missed payment from 2 years ago (switched banks and the finance company failed to switch info even though I called them 28 days in advance) but I have written them a letter to clear that up.
Good score. High income.
Hello,
What charge-offs or collection would prevent the AUS from approving an application?
Is there a cap to how much collections you can have that would cause a decline?
depends on how many and what the rest of the credit history looks like.
Hi Jennifer do you guys just look at the past 12 month of on time payments?
We look at whole credit history
What about Student Loan accounts that are recently closed?
I am preparing my credit to buy a house in a few months and recently made the final payment on my student loan. That student loan account was closed and my credit score dropped 42 points just this past weekend when it was reported to the credit bereaus.
I was thinking paying off my student loan and thus have lower debt to income ratio would have had a positive effect on my credit. Can’t help but feel like a punishment
Timely video, by the way, thanks hank you!!
Its the closing of a tradeline that hit you as it was probably your tradeline with the longest credit history., We see that happen when people pay of cars too.
Not sure if everyone can afford to pay more all the time for credit cards. Either way, if you can afford to rent and same amount is for mortgage. You will be ok.
I want to start my home owning journey in 2024. what if I have a credit score above 670 but never had a credit card, would you recommend opening a secured credit card, unsecured credit card or no card at all for getting approved?
I am assuming you have student loans or something which is giving you a credit score. If so no need for a credit card
Do you have someone who you work with or recommend that helps fix credit? My wife and I are looking to buy our first home but our scores are low. Income is there but our credit scores are low.
I like Ken Strey at Scorewell 925-478-5213
Are you licensed in Georgia? I'm working with veterans united just to clean up my credit
Yes I am licensed in Georgia and happy to chat 707-478-0637
Would you recommend to get personal loan to pay off credit card charge offs from past?
No. Call Ken strey He is a credit guru and legit 925-478-5213
So if I have too many inquiries alone, that will prevent me from getting approved?
And you have to have the same employer for two consecutive years to qualify? And does that apply to pension pay? You have to have it for two years before you qualify?
It can hurt you.
What if you currently have no credit cards and are trying to buy a house in the next year? Is the “no new cards” rule still the same?
As long as you have a rental history and like a cell bill or utility payment history for over 12 months we should be good
@@JenniferBeeston Thank you for that!! I have been so worried about my actual score alone. I have a friend with a credit score in the high 500’s low 600’s, no credit cards at all. She has a decent income ($200k+), and is looking to buy a house. Should she still just worry about proof of rent/utilities? She was worried that getting a credit card would make her credit worse if she wants to buy in the next 6 mos. It sounds like from your advice that she is right to wait?
Hi, Will freezing your credit be a red flag for the underwriters?
No We just need you to unfreeze before we pull credit. It is super normal these days to have credit frozen
So how long before getting a mortgage should you get a new card? I’m 4 months away from trying and I want a new card
Don’t get a new card
Hey Jennifer! What if i have a 7 year history on the credit card but havent used the card in 1-2 years and have 1 late payment and lender said i have a 800 credit score and system said i was good but now im working with a different lender i also have 20% down and cash reserves would i be qualified? No debt as well. But i did recently use the card and have $200 in debt while im in escrow im going to pay it off today tho.
If you have an 800 credit score I would not be worried but no idea on qualifying as debt to income is key and you did not cover that.
Is tennessee one of your states
Yes happy to help in Tennessee 707-478-0637
What’s the most accurate credit app ? From your experience
Myfico
I had an EVICTION JUDGEMENT -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 14 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage trade-lines, Installment trade-lines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! all thanks to Michael Gibbs _______________[Gibbs@creditpatchup.com]
Will charge offs prevent an individual from getting an approval?
A charge off can be totally fine.
I applied for a mortgage and I am in the underwriting process. I opened a credit card about a month before I applied, and I forgot about it. I didn’t report it to my LO until today. I have no balance on it, and it didn’t show up on my credit report. Will I still be okay?
You should be fine. They will ultimately want a statement showing zero balance
Hi I just stumbled upon your channel! My husband and I are in our early twenties ( and I mean EARLY lol we're 22) and we're thinking about saving and putting our money towards becoming landlords in the near future. My credit is in good condition, what can I look towards when it comes to doing my homework on becoming a landlord in the near future?
I would join landlord facebook groups so you can see what the day to day struggles are. Also check out my investor playlist on my channel which has some things to watch out for. That list will be building out more and more in the next few months as I am starting to see a lot of investors in play again. Also stack as much cash as possible
@@JenniferBeeston thank you so much!!!! Happy holidays to you and your loved ones 🎄❤️
Is it ok to buy a car if you're still 8 or 9 months out from looking for a mortgage?
It can be but depends on credit score and debt to income. If you have really high. Refit and low debt to income it can be fine but no guarantees
@@JenniferBeeston Thank you.
Which fico score does your company use?
We use a combo not one score
I had an EVICTION JUDGEMENT -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 14 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage trade-lines, Installment trade-lines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! all thanks to Michael Gibbs _______________[Gibbs@creditpatchup.com]
What’s the average credit score that you see?
Hmm I never think about it that way. I would have to dig data
What about charge offs? I can't get a clear answer on this one. I ran into trouble during 2020 and had three cc's closed and charged off. Are they still considered a monthly missed payment? How does it reflect?
Charge offs should not come into play unless within last 12 months then it is a reflection of credit. Collections do come into play and we have to calculate a payment
If I have a 2000 credit card can I lower it to 500 since it’s not good to close it
Yes
We are thinking of buying a house but we own a small business do we have to have two income tax meaning personal and business
You need to have owned the business and filed tax returns showing the income for at least two years.
@@JenniferBeeston thanks we’ve also done our taxes could this be an Illinois thing that they want to income taxes and we have two homes paid off
What about paying off your car 2 months before you apply?
Paying off car can sometimes lower score but depends on scenario and debt owed . Call tomorrow to discuss if you would like 707-478-0637
Great question.. I was thinking the same thing..to pay off the car loan few months before we apply for mortgage. .. we currently sit at 8% DTI but if we pay off our car loan, then we will be at 3% DTI.
@@philam297 if your debt to income is that low paying off can hurt you as it closes out what traditionally would have been a longer credit trade line. That is the issue. Cars paid off=closed trade line. If someone has to pay off for debt to income reasons we have them pay at the closing of the loan to avoid credit score drop.
@@JenniferBeeston oh I see.. so say well leave atlease 10k more owed to the car loan and keep our credit utilization at under 10%,, it that a good combination by the time we apply for a home loan??
@@JenniferBeeston This is a GEM! My car is due to be paid off next July. The payment is signif at $770. I was considering to pay it off early by Jan so that I would be in good shape for the VA Home Construction loan, but maybe not? Maybe pay it off just before closing? Hmmm...
What about trading a car for a lower car payment?
They will run your credit and start a New trade line which can harm your score. You really want to avoid credit hits and large new lines of credit right before you apply for a house.
@@JenniferBeeston Even to get a smaller payment? I already know listening to you that with my car payment my DTI will not allow me to buy a house. So how much of a hit will my credit take? My credit is already in place just afraid of the hit of the lower amount of credit and the inquiry?
I had an EVICTION JUDGEMENT -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 14 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage trade-lines, Installment trade-lines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! all thanks to Michael Gibbs _______________[Gibbs@creditpatchup.com]
That's my only problem don't know what I was thinking. It's only been six months. I rather take the hit and wait a year than wait 5 years
@@walterbarker5458 NOT POSSIBLE BEEN THERE DONE THAT! Stop advertising to take people money.... SMH
Is it possible to have a consultation with you?
Yes always. You can pick a time here. calendly.com/jennifer-beeston/preapproval-q-a
How do you freeze ypur credit??
I did a video on that a few weeks Back. It’s has the words identity theft in it if you search my channel:)
Can you help me ? I am in CA
Yes I am at 707-478-0637
Jen love you all but no one writes checks anymore. This is coming from someone close to his 40s lol. Its all about online payments and auto pay.
I write checks lol I am going to bring it back
I have 0 late payments, and lifelong income could you help me prequalify
I would love to 707-478-0637
OK?
Credit cards and Amazon is a bad combination, lol.
Amazon and I need to break up but we are so in love 🤣🤣
@@JenniferBeeston Nothing brightens my day like seeing those brown boxes 📦 at the door whenever I get home.
🤖 alert 🚨
@@JenniferBeeston 🤣🤣🤣🤣 right
@@JenniferBeeston so true! LOL...
Loan officers and Human resources play god
Loan officers really don’t. We don’t get paid unless we close a loan so everyone we can’t do is a lost paycheck for us.
This is pretty bad and misinform
credit the worst thig created you can buy a house without credit be different save for a bigger deposit ....
I had an EVICTION JUDGEMENT -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I starting looking for help. After he finished working on my REPORT in just 14 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage trade-lines, Installment trade-lines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and that was phenomenal! all thanks to Michael Gibbs _______________[Gibbs@creditpatchup.com]