This week, we’ve decided to share in some Christmas cheer and in true Christmas spirit, did grandma actually get run over by a reindeer? I’ve come to one of two conclusions that are most likely. Grandma either had way too many Christmas spirits and went up to Santa’s workshop. Or, grandma got an Uber and went home, and we just haven’t found her yet. Does Santa Claus enjoy milk and cookies, really? I’m not sure that Santa really enjoys milk and cookies. We all know Santa is lactose intolerant and has recently taken up Crossfit training. How else is he getting around the world in one night and not have to use Pepto? Oh what fun it is to ride in a one horse open sleigh. In the middle of December, really? It isn’t. From our family to yours, Merry Christmas and happy holidays.

In the real estate market, there are few perfect homes. Renovation loans provide more buying opportunities. There will almost always be something that you want to change about a house to make it your home. You can buy a house in the right location and renovate it. Mortgage money is so much cheaper than consumer debt. Mortgage money also allows folks to maintain savings and prevent cash crunches. You can consider energy efficient upgrades and spend less money on carrying costs. A newly renovated home will have less maintenance and utility costs. Again, it’s highly unlikely that you’ll find a house that is actually perfect and checks all the boxes per say. So consider renovation lending when you find a house you like and make it a home you love. Ask us how.

Technically, you can buy a home without a realtor, but I wouldn’t recommend it. Real estate markets throughout our country can be tricky. Local realtors are licensed professionals and can most always negotiate better than the average person. So as a buyer, working with a realtor typically promotes a cleaner transaction. Buying a home can be a emotional experience and a good realtor helps folks break through those emotional barriers. Realtors know the market and will do research that you are looking for in a home and also help with the fine details and paperwork. Do you need a realtor? Ask us for one.

Homes are in short supply, which has made the local market very competitive. As such, it’s imperative that homebuyers, especially first-time homebuyers, do everything they can to improve their ability to get a loan. One of the biggest pieces of the puzzle is your credit score.

Your credit score can make or break your chances of being approved for a mortgage loan. And when you find a house you want, you need to be able to move fast in this market. Here are eight ways you can improve your credit score to have a better chance at getting approved quickly.

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Like most anything else, once the pre-approval process has started, we only need to tweak a few things to update your pre-approval. Your pre-approval is valid for 90 to 120 days. Said another way, your pre-approval is good until your credit report expires. Consider multiple loan pre-approvals as well. That’s a perk that our team offers. Doing so allows you to make offers on most any type of property. Vacant land, sure. Homes that need renovation, why not? And homes that need little or nothing, we can do that too. Using the same information promotes efficiency in the marketplace when making offers, creating a good baseline; essentially starting right. Doing so allows updating your pre-approval to happen seamlessly. Be smart. Ask us how.