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Racheli Refael May 13, 2022

Wondering How Much Mortgage You Can Afford? Here’s How to Calculate It

Many people are aware of the financial commitment that is involved when investing in a home, but what that amounts to is different for every person. From what you can afford to what a lender will allow, there are plenty of details involved in determining the right home for you. If you're not quite sure what the right price is, here's how to approach home ownership and determine your debt-to-income. Calculating Your Debt-To-Income Ratio You may not know what your DTI ratio is, but it has a lot to … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Mortgages and Credit

Racheli Refael April 19, 2022

Til’ Debt Do Us Part: How to Get a Mortgage If One Spouse Has A Poor Credit Score

A poor credit history is a reality for many people, but it can be particularly daunting when it comes to investing in a house. Fortunately, if you or yours have experienced bad credit doesn't mean that you should be penalized in the future. If your spouse has struggled with bad credit in the past but you're both preparing to move forward and invest in a home, here are some tips for getting it together financially. Face The Music Many people who have bad credit are too scared to take a look at … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Mortgages and Credit

Racheli Refael August 24, 2021

Spouse with Bad Credit? 3 Reasons You’ll Want to Consider a Co-signer for Your Mortgage

Obtaining a mortgage can be quite a complicated process even without the financial hurdles, but if your spouse's credit has experienced a number of difficulties, acquiring a mortgage can be even more of a burden. If you're concerned about what bad credit will mean for your mortgage and are weighing your options, here are some reasons why it might be important to use a co-signer for your application. Increasing The Likelihood Of Approval From getting an education to purchasing your first … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgage, Mortgages and Credit

Racheli Refael July 30, 2021

Will Missing Mortgage Payments Impact My FICO Score? Yes – and Here’s How

If you're like most homeowners, you probably believe that one missed mortgage payment won't have a noticeable impact on your FICO score. People get behind now and then, and besides, you've been faithfully making payments on time for years. How bad could it be? In truth, even one missed mortgage payment could seriously damage your FICO score. Lenders can report missed monthly payments whenever they choose - they don't need to wait until a certain date to do it. That means even if your mortgage … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgages, Mortgages and Credit

Racheli Refael April 6, 2021

Suffering from Credit Problems? Understanding Mortgage Lenders and How They Assess Your Credit

One of the most significant factors a mortgage lender will review when you apply for a new mortgage loan is your credit history and rating. While some people have stellar credit, others have a troubled credit history with lower scores. If you fall into the latter scenario, you may be wondering how lenders will assess your credit situation when you apply for a mortgage in the near future. Reviewing Your Credit Scores Initially, lenders will review your credit report to determine your credit … [Read more...]

Filed Under: Home Mortgage Tips Tagged With: Home Mortgage Tips, Mortgages, Mortgages and Credit

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Recent Posts

Get Pre-Approved Today for a new Home Mortgage with Racheli

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1471 NE 26th St Suite 100
Fort Lauderdale, FL 33305

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