Own Your Own Home

Own Your Own Home

shutterstock_249925228Are you aware you can buy a home with a minimal Down payment?

When you are young or do not know where life may take you, renting is a great way to be independent and flexible. How do you know it is time to buy a home? How do you know if you qualify? Purchasing your first home or re-establishing yourself as a homeowner is easier than you may think!

Are you aware that Garnet Real Estate Services offers incentives to those who have rented with us and choose to buy through us?

Garnet Real Estate Services offers full service Real Estate Agents licensed in Minnesota and Wisconsin. Before you begin looking, find out how you can save money when you are ready to be a homeowner. Not only will you receive excellent service and receive renter incentives, you will also save by not paying Admin Fees of up to $495.00 that is charged by the majority of real estate companies.

Imagine your rent payments every month paying for a home you own!

Rates are low and this is a great time to pre-qualify. Call us to get started! We have qualified, experienced lenders who can guide you through the process and you can know even before you start looking how much house you can afford!

It used to be you needed a substantial down payment to afford to buy a home of your own. Great news for first time home buyers, it is still possible to qualify with a low down payment. Credit issue's are no problem! Our qualified lenders can help you implement a plan of action to acquire your dream home. Contact us and let us help you on your way to home ownership!

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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.

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.

Credit KarmaCredit Karma can be a useful tool to help you keep an eye on your credit.

It is free and has phone apps available. The credit scores seem to run a little on the high side as compared to having a hard credit inquiry pulled, but it will definitely give you idea of where you are at.

Understanding your credit is the first step toward building your financial future. Credit Karma offers free credit scores, reports and monitoring, along with handy financial tools, to help you make sense of your credit. Take a look and see what they offer.

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