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Stephanie Souza-Breault
(805) 556-3100
(805) 440-0678
stephaniebreault@mac.com

CalBRE# 01980090
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Stephanie Souza-Breault
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(805) 556-3100
(805) 440-0678
stephaniebreault@
mac.com

CalBRE# 01980090
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(805) 556-3100
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Check your credit report!


This is one of those things that we should do - but no one wants to do.  You can check your credit report for free annually.  This will ensure that you have minimal surprises when you start working with a lender.  You can see what is on your report and clean up any old accounts or pay off balances that you didn't even know existed.  Why is this important?  All of that effects your credit score, and your credit score affects your interest rate and the interest rate will affect your house payment!

Credit Report Services


  • There are quite a few sites that you can use.  Below are a few of them.  There is no need to pay to get your credit score - if you are working with a good lender, they will run your credit and tell you what your score is and what you can do to improve it.

 

Credit Repair Services


 

Crowdfunding Sites:


  • Crowdfunding is an excellent way that family members can help with the down payment for their younger generations.  It is a "painless" way to contribute to the financial requirements of a younger buyer's home purchase.  One family member may administer the process, ensuring all the proper documentation is ready for the buyer's lender.  An easier way, however, is of them to use one of the organized sites such as: