Have you come across your potential forever home but realized it needs some work?
During your house hunt for potential homes, you may come across homes that will have you thinking about a purchase plus improvement option.
Purchase Plus Improvements can include upgrades such as:
- New flooring
- Bathroom or Kitchen remodel
- New furnace and/or water heater
- New shingles
- New driveway
- Any updates that will add value to the home
- Exclusions: new appliances, window coverings, hot tubs, etc.
Approximately 35% of a credit score is based on a consumer payment history or behaviour.
These tips below will give you the tools to put your best foot forward when lenders look at your credit score during the mortgage application process.
Your payment history is essential to having healthy credit. Credit card payments are crucial in building credit but don't forget about your monthly bills, such as electric, cable and phone bills. Paying your bills within 30 days of their due date is key. Any late or missed payments will hurt your score.
Keep balances low.
Maxing out credit cards (or getting close to…
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