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What Accounts Are Considered to be Major Deragotory on Your Credit Report.
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This Is Important Information For Prospective Buyers. While collections are bad, anything two years or older should not be touched. The damage was already done and enough time has passed for the "wounds" to heal. As a first time home buyer, FHA is most likely the program you will be going with as it only requires a 3.5% down payment. FHA DOES NOT require collections that do not pose a threat as a lien placed on the property and is up to an underwriters discretion as to whether it should be paid or not.
Judgments and Liens regardless of their source, will automatically have to be paid prior to closing. But again, if they are older than two years then you should not touch them before you actually have your credit pulled by a mortgage professional.
Late payment on a mortgage, a major trade line can have a very large impact on your credit score.
Basically, what it all boils down to is you should talk to a mortgage professional that can guide you in the proper direction to buy a home. You may already qualify.
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YOUR FOUNDATION FOR A BRIGTHER FUTURE
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Welcome to VANGUARD REALTY
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Welcome to VANGUARD REALTY, your source for Upper Manhattan, The Bronx and Westchester Real Estate.
Whether you are buying or selling a home, hire someone from our office , who wants to earn your business. We invite you to contact us as We 'd be happy to assist you with this important transaction. The key to Success is knowing the Marketplace...You deserve an experienced agent who has knowledge of the local market and has stablished a positive working relationship with other professional in the field. We have achieved all of that and have proven track record of our quality and professional service to my clients.
As a SELLER, you deserve an agent who delivers exceptional service during the course of selling your home. Our marketing skills, knowledge of how to find qualified buyers and complete commitment to your satisfaction will bring positive results. 'WeI don’t just list homes, We sell them!”
As a BUYER,WeI know you want access to the most recent Real Estate information available. Because of our computer information systems and knowledge of the market, we can assist you in locating properties that will fit your particular needs and are good investments too.
In addition, if you have any general questions about buying or selling real estate in New York, please contact us.
Please browse our website for listings, reports and important local real estate information.
Sincerely,
Eiralda Maria Pena
VANGUARD REALTY/Broker Owner
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Beautiful 2 Bedroom condominium/ OPEN HOUSE SUNDAY MAY 16TH FROM 1:00 TO 3:00 PM.
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