Occasionally I get calls from folks who tell me their credit is not the best. Sometimes they are not as forthright, initially. Sometimes they just assume their credit is good. They have no clue what a debt to income ratio is or its importance.
Many times the reality is the credit is far far from the best. The recommendation at the time may possibly be directed toward credit repair. There are resources available on strengthening credit without paying some company hundreds of dollars to do it for you!
I have talked with some who were going through or considering bankruptcy. Of course, since I am not an attorney or CPA, I steer well clear of offering legal advice.
Those who are post-bankruptcy can easily find resources available for repairing their credit [Credit Repair Kit] so they can one day get a mortgage. There are plenty of resources available to help one recover from financial ruin.
The reality is sometimes people lose jobs, encounter hardships that create burdens and make poor decisions that result in bad credit. It is not my job to be judgmental.
But it does not have to stop one from ever owning their own home. And although a caller may not have the perfect credit right now, they can recover and....
I want them to remeber I was here for them then and now when they are ready to buy that home in Brevard County, Florida!
Gary L. Waters PLLC, Florida licensed real estate agent, Century 21 Baytree Realty, Rockledge, Florida serving Florida's Space Coast including the cities and communities of Melbourne, Viera, Rockledge, Suntree, Merritt Island, Cocoa Beach and the surrounding region.
Read my blogs Florida Homes for Sale, Moving to Brevard County, Florida, and Brevard County Florida Real Estate Information.
