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Looking ahead to 2014 - Thinking of a home or other major purchase ?

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As read on the dial of a grandfather clock "Tempus Fugit" - you will agree that time sure flies...

We are now at the cusp of the year 2014 and I am sure you are wondering how to proceed with your home and other major purchases.

Here are a few ideas for you;

  1. Run your credit reports from the three major bureaus, preferably on http://www.myfico.com, or another FICO score service.
  2. Examine your credit reports for inaccurate information. If there are any issues, you may fill out a complaint form or send a letter to the individual bureau asking to remove or correct the item in dispute.
  3. If you need credit repair assistance, you may use a credit repair service, which charges a fee for their services.
  4. Determine how much money you will have to put down on your home and include closing cost estimates. Place any of these funds in a "safe" investment account.
  5. Using any financial site such as on Yahoo! Finance or on http://www.bankrate.com to use mortgage or other finance calculators can be helpful in determining your debt ratios and how much house you can actually afford.
  6. Utilize the services of your attorneys, mortgage brokers, banks, etc - they are professionals in their respective fields and are available to help you.

Feel free to reach me with any questions you may have. I am here to help you as well.

Happy New Year to ALL !!

- Robert Skinner

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