READY, SET, LOAN!
CREDIT ISSUES ?
WATCH THE LOAN READINESS VIDEO
*** This video is provided for general informational purposes only and do not constitute legal, tax, financial, construction, real estate, or other professional advice. Individual circumstances may vary, and readers should consult qualified professionals regarding their specific situation before making any decisions. Geneva Financial, LLC makes no representations or warranties as to the accuracy or completeness of the information provided. Information is subject to change without notice.
Being loan ready is a key step when buying a home, as it positions you strongly with lenders and helps secure favorable mortgage terms. This means having a solid credit score, a manageable debt-to-income ratio, stable employment and income history, and sufficient savings for a down payment plus closing costs and reserves. By checking your credit report for errors, paying down high-interest debt, and avoiding major new credit applications, you demonstrate financial responsibility and reliability—making the approval process smoother, potentially lowering your interest rate, and giving you greater confidence and negotiating power as you pursue your dream home.
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1 - 2 - 3 Ready, Set, Loan! - CALL RYAN 423.667.8380