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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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Prove Your Credit Track Record

Proving a track-record - As you noticed, this aspect accounts for about 80% of your score. Remember the friend with all the stuff and all the bills? Now think like a lender or bank. If he could afford all these things, would he have as many debts? What happens to that friend if he loses his job? He’s probably going to be in trouble. What about the other friend with no bills, if she looses her job she will probably be okay for a time? Proving that you can handle responsibilities is important. Many people can get a loan and buy things, but can they really afford them? Time is a deciding factor. Many people actually have tons of credit cards, but the person with the lower score will be the person who can’t afford them; the person with late payments, high balances, and constantly opening new accounts to be able to get more money to spend. The scoring system reads this kind of activity as “this person is on the edge of meltdown” one misfortune and the tail-spin begins. On the flip-side, if the person with low balances, and a long history of good payments has the same misfortune, they can access their credit at that time to get them through the misfortune. And it is a safe bet that during their long history of payments, they have had a misfortune or two, and they handle it well.

Prove your credit track record

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.

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