Hi  {first_name} 

I guess you're not ready to discuss the details of home buying, that's OK!

Let me share 8 tips with you to keep in mind as you move forward towards purchasing a home.

Tip #1

Don’t apply for new credit: It may seem natural to apply for a credit card at a home improvement store or a furniture store when you are about to become a homeowner, but applying for credit can lower your credit score. Not only will you lose a few points because of a credit inquiry, but if you are approved for new credit, a lender may worry that you will spend up to your new credit limit and then default on your loan.

Tip #2

Don’t close any credit accounts: You may be feeling that this is a good time to get your financial house in order by closing unused credit accounts or transferring your debt to a new credit card with a zero-interest balance transfer offer. While that’s a smart move financially, it’s a bad one for your credit score because you lose points when you have a higher usage of debt compared to your limit on one credit card and to your overall credit availability. Wait until your closing is complete before you make these changes.


There are 6 more tips that I want to share with you. In the mean time if you want to discuss getting qualified to start shopping with a Prequalification (You know how much you can spend) book an appointment today!


To talk to me can reply to this email or use this LINK to book an appointment with me.
 
I look forward to speaking you in the next day or two! Thanks for booking your appointment!
 
Richard

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