5 Ways To Improve Your Credit Score

5 ways to improve credit score

  5 Ways to Improve Your Credit Score In today’s world, your credit score can have a significant effect on the financial aspects of your life. Your credit history determines loan and credit card interest rates, can raise your insurance premiums, and can even be a determining factor for getting a job. Therefore, it’s very important to take steps to achieve and maintain … Continue reading...

Pros and Cons of a Home Equity Line of Credit | HELOC

home equity line of credit application form

The pros and cons of a home equity line of credit Have a major expense coming up? Not sure how much you might need, but suspect it’ll be big? Learn about the power of a home equity line of credit (HELOC). When does a home equity line of credit make sense? Part of the financial power of home ownership resides in your home’s equity. Unlike rent, which goes into a … Continue reading...

Cleaning Up Credit Inaccuracies

cleaning up credit inaccuracies

Cleaning Up Credit Inaccuracies How to Dispute an Error on Your Credit History Have you ever found something on your credit history that’s inaccurate? You may need to write a dispute letter to get the item resolved. Here’s what needs to go in your letter. Discovering an error on your credit history can be a rude surprise when you’re attempting to get pre-approved for a … Continue reading...

Home Price or Payment Which Matters to You

young family keys buying O'fallon Home

Price or Payment  Which Matters to You | O'fallon Real Estate Show Which matters more to your wallet? Home price or interest rate? I’ll be right back with some thoughts. Which do you think matters more when waiting for the right time to buy a home? Is it securing a low purchase price, or locking in a great financing rate? Most buyers become focused on purchase price … Continue reading...

All Cash or Mortgage Home Purchase?

all cash or home mortgage

  Today we are going to be:  Discussing whether or not to buy that next home with cash or not? I know, what a problem to have! But it’s a serious decision, especially for Baby Boomers who have significant equity in their current home. Many of my clients (especially Baby Boomers who are downsizing or relocating) ask me if they should pay cash for their next house or … Continue reading...

6 Questions to Ask Before Choosing an O Fallon Bank

o fallon banking

Choosing a bank that meets your individual needs can be an overwhelming process, however, it’s crucial that you take all the various factors into consideration before making a decision. If you’re in the process of establishing a new banking relationship, ask yourself the following questions—provided by the American Bankers Association—to ensure that the bank you ultimately … Continue reading...

How to Avoid Home-Hunting Embarrassment – Get Pre-Qualified

pre-qualify for o fallon loan mortgage

Mortgage pre-qualification. Why does it matter? Let me see if I can frame it this way... Has ever happened to you? You’re out with friends and decide to grab dinner. There’s a new place in town you’ve heard is fantastic.  Rave reviews, amazing cuisine.  Everyone’s excited. You drive over, pay for parking, and sure enough, there’s a crowd. The atmosphere is perfect, the … Continue reading...