Credit, Credit history, Credit Reports

This page will have links to articles on everything that has to do with credit.  Credit history determines whether you can buy the Michigan house for sale that you have fallen in love with.  Getting pre-approved or pre-qualified first before you buy will help you plan your Michigan relocation.

Credit reports - here are articles and information on how to read your credit report, how your scores are determined, and why credit history is important


 Credit report questions  
Credit scores - how your credit scores are determined
Bad credit or blemished credit does not necessarily mean that you can not buy a home.  Many banks have special programs to get first time home buyers into a home.  If you think you have bad credit and can't get a loan do not let that stop you from trying.  We have helped many people that thought they could not buy a home because of their credit history.  They are now enjoying a home of their own.  Different banks have different programs and different guidelines.  Past bankruptcies, foreclosures, divorce issues may not be as big of a problem as you think.

How to get credit and how to improve your credit - improving your credit scores is not that hard and you can do it yourself.  Here are articles and tips on improving your credit, who to contact, and what you should do to get backon track from bad credit.  
Tips for raising your credit score
Secured credit cards
Reducing Debt
10 ways to improve your credit score
Contact the credit bureaus and clear up those mistakes
Imperfect credit
Best credit is unused credit

Lines of credit


Mortgage main page - lots of articles on types of mortgages, and other useful information

I had bad credit when I was younger, so don't be ashamed that you have credit issues.  Many people have credit blemishes.  The first step to getting back on track is doing something about it.   If you need somebody to sit down and go over your credit with you and tell you the steps you need to take in order to improve your credit and purchase a home.  I do this for free so long as you remember that it was me that helped you when you needed it and use me as your realtor and / or mortgage person.  I have helped many people straighten their credit out.
So when you get ready to relocate to Michigan or just buy a home in Michigan it helps to know what your credit is, how to improve your credit, and what mortgage companies are looking for. 
    I am a local mortgage person right here in Livonia, Michigan.  You can meet with me at your home, your office, or at my office at a time convenient to you.  So when you are searching Livonia Real Estate, Novi real estate, or any Michigan house for sale I can help you get the money and the advice on what to do to get the home of your dreams.
    Applying for a mortgage, getting a mortgage approved by a lender is stressfull when buying investment properties, foreclosures, or just a home for you and your family.  Let me solve the issues and make your Michigan home purchase smoothier and easier.
    Whether you are buying Wayne County Real estate, Livingston County real estate, Oakland County Real Estate, or Washtenaw County Real Estate we can meet with you and get you into the home of your dreams.  Contact me by phone (313) 310-9855 or email me to get started and get a good rate on your new home.
    Feel free to search for Michigan Homes for sale on my website and read buyer tips.
 Or if you are just getting prepared to sell your home I have 50 pages of sellers tips and how to get your home ready to sell.   Millage rates, and lots of city information.   Crime statistics, school information, city info on Livonia, Plymouth, Novi, Canton, Redford, Garden City, Dearborn, Salem Township, Brighton, South Lyon, Northville and many other cities.
                                                          Russ Ravary