Buyer Resources

Refer to our resources page for a list of trusted professionals and resources. Garnet is proud to refer some of the best lenders, home inspectors, title companies and contractors in the industry throughout the Twin Cities and Western Wisconsin. They have proven their professionalism time and again.

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After I locate a home, how long before I can move in?

A Closing Date will be negotiated as part of the Purchase Agreement. Typically, if you are taking out of loan, you can expect this to be 45-60 days from an accepted offer. Your Loan Officer or Mortgage Broker will need this time to process the loan, have an appraisal performed and to receive final approval from the lender. Cash Buyers can close much quicker.

Should I get a Home Inspection?

Yes. There are several reasons why getting a home inspection is a smart choice. A home inspection will help determine the condition of the home and any items that need to be addressed. An Inspection Addendum can be made part of the Purchase Agreement which allows you an agreed upon time period to complete an inspection. If there are any repairs that need to be done, it is best to uncover them during this period. A home inspection is a very valuable tool to orient you to all of the features of your new home and inform you of routine maintenance items that you will need to do as a homeowner.


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Credit Repair


3 Important Things You Can Do Right Now

Check Your Credit Report-Setup Payment Reminders - Reduce the Amount of Debt You Owe

Credit score repair begins with your credit report. If you haven't already, request a free copy of your report. Your credit report contains the data used to calculate your score and it may contain errors. Check to make sure that there are no late payments incorrectly listed and that the amounts owed for each of your open accounts is correct. Errors should be disputed with the bureau

Make your payments on time. This is one of the biggest contributing factors to your credit scores. Set yourself some reminders or you could also consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account. Beware that only the minimum payment may be paid on your credit cards.

Reducing the amount that you owe is going to be a far more satisfying achievement than improving your credit score. The first thing to do is stop using your credit cards. Make a list of all of your accounts and then go online or check recent statements to determine how much you owe on each account and what interest rate they are charging you. Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts.

To rebuild credit you need to manage it responsibly over time. If you haven't done that, you need to repair your credit history before you see credit score improvement.