Is your credit not quite ready yet? Let's get it there.

A low credit score doesn't have to close the door on your next home. If your history has errors, late accounts, or a FICO score below what lenders require, I'll help you, at no cost, understand where you stand and what you need to qualify. We'll review your situation together and build a realistic plan with clear goals, so you can reach your home purchase in the best possible position.

Why is it worth improving your credit before you buy? Because your score directly affects the interest rate a lender offers you. For example, on a $320,000 30-year loan, going from an 8% rate to 6.5%, a gap that can exist between a low and a high score, lowers your monthly payment by about $325: almost $4,000 a year and more than $115,000 over the life of the loan. A better score can also help you qualify with a smaller down payment and pay less for mortgage insurance (PMI).

If your situation is more complex, I can recommend good South Florida credit repair companies that work directly with the credit bureaus to correct inaccurate information and help you build habits that strengthen your credit over time. That way, while you improve your credit, you already have someone preparing the path to your new home with you.