Credit Repair in Atlanta
So you are tired of paying some one else’s mortgage and you want to buy a home but you have been told your credit just won’t allow you to. Let me see if I can guess the way the conversation went. You filled out a mortgage application and the person electronically accessed your credit report. They then told you that the report showed you with a middle credit score of whatever it is and they are not going to be able to help you. Or you were informed that they would talk to their investor or a senior loan officer to see what can be done to help. That is so typical of the way most transactions like this play out.
So What’s The Problem
Let’s look at what the problem is. It is actually very simple, your credit score is too low for you to qualify for a mortgage. With the current conditions in the real estate and financial markets credit has become more difficult to obtain and is being some what reserved for higher credit score customers who may be less of a risk to the lender. So what do we do to help you. First of all we need to know exactly where we stand in the credit score department. We then need to know what items on your credit report are driving your score down.
Credit Reports Are Not Totally Accurate
Are there some items on your report that do not belong to you? One thing we have learned is that the credit reporting agencies data is not always totally correct. In fact 79% of all credit reports contain mistakes, 54% of all credit reports contain personal information that is outdated or belongs to a stranger, 30% of all credit reports contain accounts that are closed by consumers but continue to be reported as open and 25% of all credit reports contain errors serious enough to result in outright credit denial.
Let’s Come Up With A Plan
Once we have reviewed your situation and credit report we can collectively come up with a financial plan to get you on track and set up a timetable for you to get into your new home. We can actually tie this all together with the “No Down Payment Mortgage” discussed yesterday.
The Fair Credit Reporting Act
Fortunately there are several laws that have been inacted to protect you the consumer. The most signifacant of these is the Fair Credit Reporting Act. This law protects your credit rights. You have the right to contest inaccurate information in the report and if a creditor cannot verify any inaccurate information within 30 days the inaccurate information must be removed from your credit report. The credit reporting agencies actually receive thousands of these disputes from consumers every day.
How Long Will It Take?
I know you have several questions about how this process works, with the main one being how long will it take? It is impossible and would be unethical for any individual or company to to guarantee an outcome or timeframe. However, based on experience and expertise you will be given an estimate.
If you would like more information concerning credit repair in the Greater Atlanta Area please Contact Me and we can set up a confidential conference.
New Home Near Grayson High School
Situated on a wooded Cul-de-Sac lot in Bay Creek Manor subdivision in the Grayson High School District of Gwinnett County is 280 Chloe Dianne Drive. This upscale “Craftsman Style” home is a ranch home with a full unfinished basement. The home features a gourmet kitchen that is appointed with granite counter tops, an island, double ovens, a built-in microwave and a separate gas cook top. The kitchen opens into the breakfast area and keeping/sun room.
Arched architectural openings join the over sized dining room and the keeping/sun room to the den. This den is designed for relaxation and entertaining. Built-in shelving on both sides of the floor to ceiling stone fireplace gives the room that look of rustic elegance. The room is also wired for surround sound for you to enjoy the game or movie night with the family.
Some of the other features you will enjoy in this home are tiled bathes and laundry room, walk-in closets, extensive trim and hardwood floor packages along with the huge rear deck and wooded backyard.
Just click on the address 280 Chloe Dianne Drive to view addition information or to schedule a private showing of this wonderful home.
Grayson New Homes - Bay Creek Manor
Located on Ozora Road just across from Bay Creek Park, Bay Creek Manor is a collection of Craftsman Style homes in Grayson Georgia. These unique ranch and two story homes feature stone, brick, siding and shake details throughout. Sidewalks, streetlights and underground utilities accent the professionally landscaped common areas and home sites.
It’s hard to believe the interior detailing of these homes at such an affordable price. With the kitchen being one of the primary focus rooms in any home, particular attention to detail has been incorporated. The gourmet kitchens feature granite counter tops,custom tile back splash, can lighting, keeping rooms and islands(per plan), along with a GE Appliance package that includes Microwave, Gas Cook top, Dishwasher and Double Ovens. Both main floor and upper levels have 9 foot smooth ceilings along with upgraded trim packages consisting of Sante Fe doors, distinctive arch details, 5-1/2 inch base boards, two piece chair rails and shadow boxes in the dining room and foyer. Hardwood floors are standard in the foyer, kitchen, breakfast area and powder room while tile is featured in the master bath, hall bath and laundry room. Of course, plush wall to wall carpeting with upgraded pad completes the flooring in these affordable upscale Gwinnett County homes.
No home today would be complete without it’s energy saving and technology packages and these Barry Built Homes are no exception. Energy saving features include a complete house wrap and air infiltration package along with separate heat and air systems for each floor. It goes with out saying that digital thermostats and insulated exterior doors are also included. To help all homeowners stay connected centralized voice, data, and video/cable management enabled CAT5 and RG6 cabling runs to a central household network center. Phone and cable outlet are installed in all bedrooms along with the kitchen, keeping room and great room. 3 high speed data/internet outlets are also included. What home today would be complete without surround sound prewiring, not these.
Bay Creek Manor is fortunate to be serviced by some of Gwinnett Counties finest schools. The subdivision is located in the Grayson High School Cluster and is also serviced by McConnell Middle School and Grayson Elementary. For more information check out Gwinnett County Schools.
Click on the link to see available homes in Bay Creek Manor.
