"Shelby and Lois provided timely and great communication. Shelby’s knowledge allowed me to get a great rate for these times. I always felt like a person and not just an anonymous client."
lisa jill k
As a first-time homebuyer, understanding your credit score is crucial, and here's a real-life example of how an expert's help makes a huge difference:
The Challenge: A couple was ready to buy their first home. They had a credit score of 676, which was decent, but not optimal. This score was affecting the interest rate they could get on their mortgage – a higher rate meaning higher monthly payments.
The Solution: Working with an expert (like me), we carefully reviewed their credit situation. We identified an opportunity to boost their score significantly. By strategically paying down $3,000 on one of their balances, their credit score soared to 755!
The Result: This credit score jump lowered their interest rate by 0.5%. This might sound small, but it translated to saving over $175 per month on their mortgage payments. That's a saving of more than $2,000 per year!
The Bottom Line: Every credit point counts when you're buying a home. It's not just about getting approved for a loan; it's about getting the best terms possible. I make it a point to discuss and strategize credit with every client, ensuring you don't just find a house, but also secure the best financial deal for your dream home.
"Shelby and Lois provided timely and great communication. Shelby’s knowledge allowed me to get a great rate for these times. I always felt like a person and not just an anonymous client."
lisa jill k
"Shelby went above and beyond to help my first time home buyers. I’m excited to continue to work together in the future!"
claire m
"Creative and non stop until the job was done. My wife and I both agree we felt that Shelby went above and beyond to get us the approval and rate we needed. She even went as far as to work on a Saturday close to our closing date to make sure everything was perfect. I am excited to refer others to her in the future. Thank you, Shelby!!"
austin l