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For Home Buyers

Buying Services for Fort Hood area Home Buyers

Congratulations!  You have decided to purchase a home, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.  When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours and over time, your home will increase in value.

I excell at helping first time buyers with the home buying process! I explain everything from A to Z so that you are comfortable with the decisions you need to make and there are no surprises. I will not pressure you to go outside your comfort zone either. My goal is to help find the right house for you and your family's needs. My philosophy is, when you walk in the door, you will know that is the house for you & your family. 

Please contact me if you have any questions about buying a home in the Ft Hood area or elsewhere in Texas.

 

 

The Ten Commandments When Applying For A Real Estate Loan

 

1. Thou shalt not change jobs, become self-employed or quit your job.


2. Thou shalt not buy a car, truck or van (or you may be living in it)!


3. Thou shalt not use charge cards excessively or let your accounts fall behind.


4. Thou shalt not spend money you have set aside for closing.


5. Thou shalt not omit debts or liabilities from your loan application.


6. Thou shalt not buy furniture.


7. Thou shalt not originate any inquiries into your credit.


8. Thou shalt not make large deposits without first checking with your loan officer.


9. Thou shalt not change bank accounts.


10. Thou shalt not co-sign a loan for anyone.


8 Ways To Improve Your Credit

Credit scores, along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for.


1. Check for and correct errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management. Click on the link provided on my home page to get your credit report for a FREE annual report.

2. Pay down credit card bills. If possible, pay off the entire balance every month. However, transferring credit card debt from one card to another could lower your score.

3. Don’t charge your credit cards to the maximum limit.

4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.

5. Don’t order items for your new home you’ll buy on credit—such as appliances—until after the loan is approved. The amounts will add to your debt and significantly lower your mortgage loan approval amount.

6. Don’t open new credit card accounts before applying for a mortgage. Having too much available credit can lower your score.

7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.

8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

 



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Tammy Vajgrt


Phone
(254) 371-6220

E-Mail Me

CENTURY 21 Premier Realtors

242 Cove Terrace
Copperas Cove, TX 76522
 


Century 21 Real Estate LLC supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Office is Independently Owned and Operated. CENTURY 21® and the CENTURY 21 logo are registered marks owned by Century 21 Real Estate LLC and used by CENTURY21 CENTURY 21 Premier Realtors with permission. All other trademarks and service marks are the property of their respective owners. Neither Century 21 Real Estate LLC nor any of their respective franchisees affiliated companies provides any product or service described herein. Not all products and services are available in all states. All products and services are provided by the applicable service provider described herein.


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