Bad Credit Habits You Need to Kick to the Curb
✔️ Splurging like it’s going out of style
✔️ Forgetting payments like they’re yesterday’s news
✔️ Carrying credit card balances bigger than your ego
✔️ Mindlessly opening and closing credit like a revolving door
✔️ Ignoring your credit reports like it’s a bad breakup
How to Win multiple offer situation
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1. Work with the seller 🤝
Take the time to find out what the seller’s plan is. That way, the purchase offer can be structured in a way to be more appealing to the seller.
2. Make a strong offer💪
You only have one chance to put in an offer. Do not lowball the seller. The seller is likely to view all the offers then choose one to work with.
3. Consider making a larger down payment💸
A large deposit shows the seller that the buyer has been disciplined to save a large sum of money towards a home.
Call Butch & Lydia Collins
256-710-2018
What makes a home harder to sell?
🗝Bad odors can keep a house from selling
Residual scents from smoking and pets can pose a problem
🗝 A lack of natural light can turn buyers off
Not having natural light can make an apartment much less desirable
🗝 Mold or other environmental problems can be a serious problem Call Butch & Lydia Collins Southern Lakes Real Estate 256-710-2018
Is mortgage possible if you have student loans?
The property i’m buying does not appraise. So…What can be done after a low appraisal?
☑️ A copy of the appraisal
☑️ challenge the appraisal
☑️ Renegotiate the sale price
☑️ Try putting more money down
☑️ Consider an alternative all-cash offer
You don’t need a perfect credit score to get a mortgage, but the higher your score is, the more likely you are to get approved.
So…How do you improve your Credit Score?
🗝 Bring your Accounts Current
🗝 Pay your Debts Down
🗝 Don’t Close Old Credit Card Accounts
🗝 Don’t Apply for New Credit
Call Butch & Lydia Collins
Southern Lakes Real Estate
256-710-2018
208 Stephenson Court Open House
Open House Sunday 1-3
208 Stephenson Court
Sheffield, Al