HouseBuyingTips
© 2010  Janice C. Tatum and Associates, All Rights Reserved     Terms of Service   Privacy Policy
Buyer's guide Buying a house is complicated, especially if it’s your first time. Here are some more tips on how to buy a house the right way so you won’t be disappointed. 1. Start with your credit. Credit reports are kept by the three major credit agencies, Experian, Equifax, and TransUnion. They show whether you are habitually late with payments and whether you have run into serious credit problems in the past. A credit score is a number calculated from a formula created by Fair Isaac based on the information in your credit report. You have three different credit scores, one for each of your credit reports. A low credit score may hurt your chances for getting the best interest rate, or getting financing at all. So get a copy of your reports and know your credit scores. Try Fair Isaac's MyFICO.com. Errors are common. If you find any, contact the agencies directly to correct them, which can take two or three months to resolve. If the report is accurate but shows past problems, be prepared to explain them to a loan officer. 2. Set your budget. Next, you need to determine how much house you can afford. You can start with an online calculator. For a more accurate figure, ask to be pre-approved by a lender, who will look at your income, debt and credit to determine the kind of loan that's in your league.

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We are committed to maintaining the privacy of your personal information. By using our website, you are consenting to the information collection and practices described herein. The information we gather falls into two categories: the information you supply when you register to receive emails from us, and tracking information collected as you go through our site. Tracking Information We may use the standard “cookies” feature of major browsers that allows us to store a small piece of data on your computer about your visit to our website.  Cookies help us learn which areas of our site are useful and which areas need improvement. You can choose whether or not to accept these cookies by changing the settings on your browser.   How Your Information Will Be Used: We will not share your information with any third party without your consent, except as necessary to provide you with the services offered by us or to comply with the law. We may use your personal information to verify your identity, to check your qualifications, or to follow up with transactions initiated on the site We may disclose personal information if required to do so by law or if such action is necessary to conform to the edicts of the law or comply with legal process served on us, or to protect the safety of the users of this site. Security We have security measures in place to prevent the loss, or misuse of the information we obtain from you, but we make no assurances about our ability to prevent any such loss or misuse, to you or to any third party arising out of any such loss or misuse. We may include interactive forms on our site. Please remember that any information that is disclosed in these forms becomes public information and you should exercise caution when disclosing your personal information. Third Party Websites This site has links to other websites. If you choose to visit these websites we will not be held liable for the privacy practices or content of those these sites, and it is your responsibility to review the privacy policies of  those sites so you understand their policies. Contact Us If you have any questions about this policy or practices related to this site, please feel contact us Updates and Changes We reserve the right to modify this privacy policy without any notice. Any such modification will be effective immediately upon posting on the site. It is your responsibility to review this privacy policy to ensure that agree to all of its terms.
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HouseBuyingTips
© 2010  Janice C. Tatum and Associates, All Rights Reserved     Terms of Service   Privacy Policy
Buyer's guide Buying a house is complicated, especially if it’s your first time. Here are some more tips on how to buy a house the right way so you won’t be disappointed. 1. Start with your credit. Credit reports are kept by the three major credit agencies, Experian, Equifax, and TransUnion. They show whether you are habitually late with payments and whether you have run into serious credit problems in the past. A credit score is a number calculated from a formula created by Fair Isaac based on the information in your credit report. You have three different credit scores, one for each of your credit reports. A low credit score may hurt your chances for getting the best interest rate, or getting financing at all. So get a copy of your reports and know your credit scores. Try Fair Isaac's MyFICO.com. Errors are common. If you find any, contact the agencies directly to correct them, which can take two or three months to resolve. If the report is accurate but shows past problems, be prepared to explain them to a loan officer. 2. Set your budget. Next, you need to determine how much house you can afford. You can start with an online calculator. For a more accurate figure, ask to be pre-approved by a lender, who will look at your income, debt and credit to determine the kind of loan that's in your league.

Privacy

Statement

We are committed to maintaining the privacy of your personal information. By using our website, you are consenting to the information collection and practices described herein. The information we gather falls into two categories: the information you supply when you register to receive emails from us, and tracking information collected as you go through our site. Tracking Information We may use the standard “cookies” feature of major browsers that allows us to store a small piece of data on your computer about your visit to our website.  Cookies help us learn which areas of our site are useful and which areas need improvement. You can choose whether or not to accept these cookies by changing the settings on your browser.   How Your Information Will Be Used: We will not share your information with any third party without your consent, except as necessary to provide you with the services offered by us or to comply with the law. We may use your personal information to verify your identity, to check your qualifications, or to follow up with transactions initiated on the site We may disclose personal information if required to do so by law or if such action is necessary to conform to the edicts of the law or comply with legal process served on us, or to protect the safety of the users of this site. Security We have security measures in place to prevent the loss, or misuse of the information we obtain from you, but we make no assurances about our ability to prevent any such loss or misuse, to you or to any third party arising out of any such loss or misuse. We may include interactive forms on our site. Please remember that any information that is disclosed in these forms becomes public information and you should exercise caution when disclosing your personal information. Third Party Websites This site has links to other websites. If you choose to visit these websites we will not be held liable for the privacy practices or content of those these sites, and it is your responsibility to review the privacy policies of  those sites so you understand their policies. Contact Us If you have any questions about this policy or practices related to this site, please feel contact us Updates and Changes We reserve the right to modify this privacy policy without any notice. Any such modification will be effective immediately upon posting on the site. It is your responsibility to review this privacy policy to ensure that agree to all of its terms.