Team Rowe

If you’re thinking about buying a home, how soon should you have your credit checked?

It’s never too early to check your credit! In other words, it’s something you should do as soon as you start thinking about buying a house. That way, if anything needs to be fixed or if something needs to be done to improve your credit score, you will (hopefully) have plenty of time to takeContinueContinue reading “If you’re thinking about buying a home, how soon should you have your credit checked?”

Rent vs. Own

Wealth Building If you’re renting, then most likely you are either paying your landlord’s mortgage or if your landlord doesn’t have a mortgage you are putting money in your landlord’s pocket every month, which helps increase your landlord’s wealth. If you own your home, you are increasing your wealth with every mortgage payment that youContinueContinue reading “Rent vs. Own”

What If I Owe Too Much?

Welcome to the final post in our series: How Understand Credit Helps Raise Your Score. Today I’m going to discuss how to get your debts under control. Doing so will improve your credit score and increase your eligibility to be pre-approved for a home loan! It’s all too easy for it to happen… even ifContinueContinue reading “What If I Owe Too Much?”

Dun dun DUUNNN

Gather ’round children. I have a scary story for you 👻 about using online lenders! 🤡 This is about a woman who wanted to sell her house 🏡 (my sister 👯‍♀️, who does not live in WA State). Her house (also not in WA State) got a great offer as soon as it went on the market 🎉! The loanContinueContinue reading “Dun dun DUUNNN”

How Do I Know If I Have Bad Credit?

Here we are at week three already! If you missed out on the other posts, be sure to visit them here and here. This week we are exploring what it actually means to have good or bad credit. In my nearly 20 years of lending experience, the amount of misinformation I’ve encountered over what itContinueContinue reading “How Do I Know If I Have Bad Credit?”

But I Have No Credit!

Welcome back! If you missed the first part of this series, be sure to check it out! Here in part two, I’m going to explain to you how to start building credit when you have none. Just starting out? Keep reading. Helping your child build their credit? Keep reading. These simple yet specific instructions willContinueContinue reading “But I Have No Credit!”

Trust Your Realtor; Trust Your Lender

Why on earth would your real estate agent ask you to get a second pre-approval if you’ve already been pre-approved? I can tell you exactly why. I am frequently asked by real estate agents to verify that buyers are qualified after they have already been pre-approved by certain lenders. More specifically, from lenders who are:ContinueContinue reading “Trust Your Realtor; Trust Your Lender”

How Can I Find Out What My Credit Report Says?

Welcome to Part One in our new series: How Understanding Credit Helps Raise Your Score. Today we are going to explore, in depth, how you can find out what your credit report says – for FREE. No strings attached. If you are unsure or have concerns about what your credit report says, the best placeContinueContinue reading “How Can I Find Out What My Credit Report Says?”