Home Loan Advice From STSFC

Stop calling ads Dont be pushed into a house Play the game of nines Sell Before You Buy Monday March 27 Home Loan Market March 23rd Home Loan Commentary Daily Loan Rate Advisory Know the score, Credit Scoring!

Latest Home Loan Q & A

Should I get Prequalified? When is an ARM better? Should I choose ARM or fixed rate? Do I need w-2 forms? What is a broker's responsibilities? Is my lease option a refinance?

Charlotte Home Loan Professionals

Don't let such an important opportunity pass, in 20 seconds you can end your rent or high interest mortgage and get you home this month

STSFC is a local mortgage consultant and brokerage firm serving the Carolinas with professionalism and communication. We are able to work with clients from all situations and explain the best road to a home loan. We have helped hundreds of people acquire their pre-approval and walk away from renting and into home ownership for the first time.

Our programs, connections and open professioanl communication with clients has helped us to acquire great rates and low interest loands for clients in Huntersville, Charlotte, Mooresville, Concord, Matthews, Uptown, Rockhill, Lake Norman, Columbia SC and all surrounding regions of the Western Carolina.

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Check out the sitemap for all current pages, see the archive or great home loan articles from STSFC here and read the past mortgage questions about your Charlotte mortgage answered by the professional brokers at STSFC in Huntersville North Carolina, the Charlotte Home loan experts, and you local partner.

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Know The Score, Credit Scoring!

Knowing your credit score and the factors that affect this score has long been a guarded secret of the credit reporting industry. Only recently have laws been instituted to educate and inform the public as to what factors affect their scores and make it a requirement for creditors to provide you your credit score. Even with all of the new laws on disclosing credit scores, many people are still left in the dark… your score is simply a number on a page unless you understand the factors that influence it.

A good credit score can be summarized as having the right amount of creditors, the right kinds of creditors, and proving a track-record of your ability to manage your money and debts. Expressed in percentages, your score is: 10% new credit lines; 10% types of credit; 15% credit history length; 30% balances owed; and 35% payment history. Other issues influence your score, but we can start by focusing on these major factors.

Credit scores have been a mystery until lately, but having a good score is a matter of having a good history. It is a function of living within your means, planning ahead for the rainy day, and stepping up to the responsibilities that you accept when you go to get that credit. Remember those two friends, they are equal in your eyes- two people who want you to loan them money. If one of them did not pay you, what do you think you would tell anyone who asked you about how they paid you? What would you tell someone about the friend that did pay you and paid you on time? I am sure one would get a glowing review and the other would not be your friend for very long. Credit scoring is simply assigning a number to these factors. The higher the number the better the “friend.”

Know the score, Credit Scoring!

Charlotte Home Loan And Mortgage Tips

This and many other free tips on the Charlotte mortgage process and offering are compliments of Lee Sharpe of STS Financial Corporation.

STSFC is a Charlotte Mortgage and Home Loan firm located in beautiful Huntersville, NC providing professional services to the greater Carolinas. STSFC services areas such as Huntersville, Mooresville, Davidson, Lake Norman, Charlotte, University City, Matthews, Rock Hill and Concord North Carolina.