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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Terms Your use of our website signifies your agreement to the Terms & Conditions of Use. You are also bound by all applicable local and other laws and regulations. If you do not agree with all of the terms, you are prohibited from use and access to our website. All of the information and materials on our site are under copyright and trademark laws. License of Use We extend a license for use to individuals who wish to download and/or print any of the information on our website. However, this license is limited to personal use and non-commercial use only. You are prohibited from, altering or copying the materials, using any of the materials for commercial purposes, or from displaying the materials publically whether for commercial or non- commercial use. This license is for use only, and not a transfer of title. Any violation of these restrictions will result in the immediate termination of the license. We also have the right to immediately terminate the license of use at any time. Termination of the license means that you must immediately destroy any printed or electronic forms of our materials you have. Disclaimer All of the information contained herein is on an “as is” basis which means that we can make no representations regarding the warranties, both express and implied, to any rights infringements, infringements of intellectual properties, or the conditions of merchantability, as well as all other warranties. Furthermore, we do not guarantee the reliability or accuracy of materials contained on our website nor any possible outcomes resulting in the use of information on our website. Limitations We are not responsible for any damages such as loss of data, loss of profit, or business interruption that may occur due to the inability to use, use, or misuse of the materials on our website. These limitations may not apply to you if you are within one of the jurisdictions that do not allow the setting of limitations for both implied warrantees and any limitations of liability due to consequential or incidental damages. Revisions and Errata Our website may contain technical, photographic, or typographical errors. We do not make representations that our website is completely free of errors, complete, or up-to-date. Although we may make revisions to any of the content at any time, we are not committed to the maintenance of currency of the information. Third Party Links This website may contain third party links to websites that have not been evaluated by our site. We are not responsible for any of the content contained on these sites that are linked to nor do we necessarily have endorsements for the websites that we may provide links to. You must use and access third party websites at your own risk. Site Terms of Use Modifications We reserve the right to make changes or updates to these Terms & Conditions of Use at any time. Continued use of this site after a change is made implies your continued agreement with these terms and you will be bound by them.
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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.

Terms Of

Service

Terms Your use of our website signifies your agreement to the Terms & Conditions of Use. You are also bound by all applicable local and other laws and regulations. If you do not agree with all of the terms, you are prohibited from use and access to our website. All of the information and materials on our site are under copyright and trademark laws. License of Use We extend a license for use to individuals who wish to download and/or print any of the information on our website. However, this license is limited to personal use and non-commercial use only. You are prohibited from, altering or copying the materials, using any of the materials for commercial purposes, or from displaying the materials publically whether for commercial or non-commercial use. This license is for use only, and not a transfer of title. Any violation of these restrictions will result in the immediate termination of the license. We also have the right to immediately terminate the license of use at any time. Termination of the license means that you must immediately destroy any printed or electronic forms of our materials you have. Disclaimer All of the information contained herein is on an “as is” basis which means that we can make no representations regarding the warranties, both express and implied, to any rights infringements, infringements of intellectual properties, or the conditions of merchantability, as well as all other warranties. Furthermore, we do not guarantee the reliability or accuracy of materials contained on our website nor any possible outcomes resulting in the use of information on our website. Limitations We are not responsible for any damages such as loss of data, loss of profit, or business interruption that may occur due to the inability to use, use, or misuse of the materials on our website. These limitations may not apply to you if you are within one of the jurisdictions that do not allow the setting of limitations for both implied warrantees and any limitations of liability due to consequential or incidental damages. Revisions and Errata Our website may contain technical, photographic, or typographical errors. We do not make representations that our website is completely free of errors, complete, or up-to-date. Although we may make revisions to any of the content at any time, we are not committed to the maintenance of currency of the information. Third Party Links This website may contain third party links to websites that have not been evaluated by our site. We are not responsible for any of the content contained on these sites that are linked to nor do we necessarily have endorsements for the websites that we may provide links to. You must use and access third party websites at your own risk. Site Terms of Use Modifications We reserve the right to make changes or updates to these Terms & Conditions of Use at any time. Continued use of this site after a change is made implies your continued agreement with these terms and you will be bound by them.