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FICO® Scores and Your Mortgage

October 6, 2020 by Denise Madan

Years ago, credit scoring had little to do with mortgage lending. When reviewing the credit worthiness of a borrower, an underwriter would make a subjective decision based on past payment history. Then things changed. Lenders studied the relationship between credit scores and mortgage delinquencies. There was a definite relationship. Almost half of those borrowers with […]

Filed Under: Buying Tagged With: buy home in miami, buying real estate, credit report, credit score, FICO Score, home buyer, home buying, home purchase, real estate buyer, things to consider in buying home

FICO® Score – a Brief Explanation

October 6, 2020 by Denise Madan

When you apply for a mortgage loan, you expect your lender to pull a credit report and look at whether you’ve made your payments on time. What you may not expect is that they seem to be more interested in your FICO® score. “What’s a FICO® score?” is a common reaction. Each time your credit […]

Filed Under: Buying Tagged With: buy home in miami, buying real estate, credit report, credit score, home buyer, home buying, home loan, pre approval, pre approved, real estate buyer, real estate mortgage, things to consider in buying home

Top Lifestyle Considerations for Buying a Home

October 6, 2019 by Denise Madan

You’re not just buying a house, you’re buying a lifestyle! That means when you’re writing out your list of must-have home features and deal breakers, you need to think beyond the “house data” and figure out which features to focus on that will give you the lifestyle you want to live! As a buyer, you […]

Filed Under: Buying Tagged With: home buyer, home buying, lifestyle, real estate buyer, real estate investment, things to consider in buying home

Your Savings and Down Payment

April 23, 2018 by Denise Madan

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next thing you should do – before you call on an […]

Filed Under: Buying Tagged With: buy home in miami, buying real estate, down payment, downpayment, home buyer, home buying, home mortgage, mortgage, real estate buyer, real estate mortgage, savings, things to consider in buying home

Why You Should Not Make Any Major Credit Purchases

April 22, 2018 by Denise Madan

Don’t go on a spending spree using credit if you are thinking about buying a home, or in the process of buying a new home. Your mortgage pre-approval is subject to a final evaluation of your financial situation. Every $100 you pay per month on a credit payment could cost you about $10,000 in home […]

Filed Under: Buying Tagged With: buy home in miami, buying real estate, credit report, credit score, home buyer, home buying, home loan, loan, real estate buyer, things to consider in buying home

Use a Buyer’s Agent

April 21, 2018 by Denise Madan

It’s important that you choose an experienced agent who is there for you. Your agent should be actively finding you potential homes, keeping you informed of the entire process, negotiating furiously on your behalf, and answering all of your questions with competence and speed. First, find an agent who represents you and not the seller. […]

Filed Under: Buying Tagged With: buy home in miami, buying real estate, home buyer, home buying, miami real estate agent, miami realtor, real estate buyer, realtor, south florida real estate agent, south florida realtor, things to consider in buying home, top agent magazine

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Denise Madan

All Florida Home Team
14261 Commerce Way Suite
102 Miami Lakes, FL 33016

786-344-8004
denise@denisemadan.com

Equal Housing Opportunity | Realtor | MLS

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