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BASIC UNDERSTANDING ABOUT CREDIT SCORES & CREDIT REPORTs

What's Credit Score?

What's Credit Score?


Did you know that your credit score is one of the most important numbers that impacts your financial future? A strong credit score can be the magic number that helps you qualify for the credit you need at a great interest rate, which can mean hundreds and even thousands of dollars in savings. On the other hand, a low credit score could turn into the hurdle that prevents you from getting the loan you need to buy a new home, find financing to purchase a car, or even qualify for cell phone service.


ASK US FOR MORE INFORMATION!

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Factors That Affect Your Credit Score

  • Your credit score is the key metric that sums up your credit health, yet many people don’t realize they could’ve improved their score until they feel like it’s too late.
  • When they learn that they didn’t qualify for the loan or are denied other services based on their credit But it’s never too late 
  • Understanding the top factors affecting your credit score is one of the first steps that will help you create an actionable plan to maintain or improve your score and unlock more opportunities. 
  • To see your individual score and where you stand on each of these factors, 

What is an Excellent Credit Score?

What is an Excellent Credit Score?

  • Having an excellent credit score can save you a lot of money in interest over time. If your score is already in the 700s, you’re in good shape, but you may be wondering how to take your score from good to great. And is it worth the effort? 
  • You probably already know that your credit score is a three-digit number based on the information in your credit report, which includes items like your loan payment history and credit card balances.
  •  Multiple companies have models that calculate credit scores
  • FICO and VantageScore, for example, which both operate on a scale 300 to 850

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Take full advantage of every CSV membership benefit including a variety of services that can help you save money.
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The Biggest SALE of The Year are in July 4th, Thanksgivings, Christmas  Holidays Season.

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SAM'S Club Offers: 

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LENDING CLUB Offers:

https://www.lendingclub.com/site/borrow/personal-loans?lc_referrer=Member_166053585

Membership Benefits Offers

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Congrats, you've been invited to join the club!

CALI STORE VN Membership: Take full advantage of every CSV membership benefit including a variety of services that can help you save money. CALI STORE VN (CSV) membership is a free membership for life.



small business loans center:

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Best Personal Services + Personal Shoppers*

PERSONAL SHOPPER* SERVICES AVAILABLE @ SPECIAL MARKETS ON DEMAND.

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Nhằm đảm bảo an toàn, chất lượng cao nhưng giá thành hợp với túi tiền của quý khách. Chúng tôi không ngại khó khăn luôn tìm tòi, học hỏi và không ngừng khám phá để chọn lọc từng sản phẩm một cho từng mặt hàng trong hàng trăm nghìn món hàng được bày bán tại các siêu thị, online của tất cả các cửa hàng lớn nhỏ, lâu đời và nổi tiếng tại Hoa Kỳ. Nhưng giá thành lại rẻ lên đến 25% giá chính thức (RETAIL PRICE/ TICKET PRICE) được bày bán ra thị trường của các cửa hàng, retail shops trên toàn nước Mỹ 🇺🇸.

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Đặc biệt chúng tôi tại CALI STORE VN cũng xin được giới thiệu đến quý vị khắp nơi trên thế giới dịch vụ PERSONAL SHOPPERS*📞🙎‍

* Khi qúy vị cần có nhu cầu về những món hàng mà không có thời gian ⏰ đi chọn lựa, mua sắm hay không kiếm ra được trong lúc quý vị cần...thì vui lòng liên hệ ☎️ với chúng tôi để được sự hướng dẫn và phục vụ! (Giá cả và lệ phí sẽ tính theo từng mặt hàng. 

* Thông thường lệ phí cho dịch vụ PERSONAL SHOPPER* = 15% 💵 .

( không bao gồm thuế địa phương nếu có và cước phí vận chuyển)⚓


Xin trân trọng cám ơn quý vi!

Management Team

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Info@calistorevn.com

1 (855) .880-8866 USA                                     

+ 84 0968335588 VIETNAM

1 (714) 908-8899  FAX

www.calistorevn.com

PERSONAL SHOPPER*

Khi qúy vị cần có nhu cầu về những món hàng mà không có thời gian ⏰ đi chọn lựa, mua sắm hay không kiếm ra được trong lúc quý vị cần...thì vui lòng liên hệ ☎️ với chúng tôi để được sự hướng dẫn và phục vụ! (Giá cả và lệ phí sẽ tính theo từng mặt hàng. Thông thường lệ phí dịch vụ 15% 💵 . không bao gồm thuế địa phương nếu có và cước phí vận chuyển)⚓️🚚✈️

Xin trân trọng cám ơn quý vi!

CALI STORE VN Management Team.

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GREAT HOME GOODS ACCESSORIES & SUPPLIES:

BUYING A HOME PROCESS & HELPFUL TIPS @ ANDY TRAN REALTOR; DRE #01913079

PREQUALIFICATION or PRE-APPROVAL?!

5 TIPS TO HELP BUYER PREPARE & BE BREADY WHEN YOU FIND A DREAM HOME.

5 TIPS TO HELP BUYER PREPARE & BE BREADY WHEN YOU FIND A DREAM HOME.

5 TIPS TO HELP BUYER PREPARE & BE BREADY WHEN YOU FIND A DREAM HOME.

5 TIPS TO HELP BUYER PREPARE & BE BREADY WHEN YOU FIND A DREAM HOME.

5 TIPS TO HELP BUYER PREPARE & BE BREADY WHEN YOU FIND A DREAM HOME.

MORTGAGE SOLUTIONS & LOAN PROGRAMS:

5 TIPS TO HELP BUYER PREPARE & BE BREADY WHEN YOU FIND A DREAM HOME.

MORTGAGE SOLUTIONS & LOAN PROGRAMS:

CURRENT MORTGAGE RATES

WE HELP CLIENTS prepare for their home inspection.

MORTGAGE SOLUTIONS & LOAN PROGRAMS:

Estimate your personal rate with the mortgage calculator or the refinance calculator.

If you want to talk about your options,

 Set up a time and I can go through them with you.

5 HOME RENOVATIONS THAT BOOST RESALE VALUE.

WE HELP CLIENTS prepare for their home inspection.

WE HELP CLIENTS prepare for their home inspection.

WE HELP CLIENTS prepare for their home inspection.

WE HELP CLIENTS prepare for their home inspection.

WE HELP CLIENTS prepare for their home inspection.

BUYING A HOME PROCESS & HELPFUL TIPS @ ANDY TRAN REALTOR; DRE #01913079

PREQUALIFICATION OR PREAPPROVAL? WHAT YOUR BUYERS NEED TO KNOW!

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

PREQUALIFICATION OR PREAPPROVAL? WHAT YOUR CLIENTS NEED TO KNOW

You  have making important decisions about financing your new home. A smart first step is to know how much they’ll be able to borrow by getting prequalified or preapproved by a lender.


PREQUALIFICATION

What is prequalification?

Prequalification is an estimate from a lender indicating the amount you could potentially borrow for a home. It’s not a commitment to lend.

Why should I get prequalified?

Getting prequalified can give you a price range for when you start searching for a new home.

How do I get prequalified?

You can get prequalified easily online or over the phone. The amount is often based on simple information such as your income, assets and credit score. Please contact me to learn how convenient it is.


PREAPPROVAL

What is preapproval?

Unlike prequalification, preapproval is a much more specific estimate of what you could borrow from your lender. 

At ADK BANCORP INC. preapproval status lasts for 60 days.

Why should I get preapproved?

If you need to move quickly in a competitive housing market, preapproval gives you an edge. It shows the seller that you are a serious buyer, which sets you apart from other buyers.

How do I get preapproved?

By getting pre-Approved, you’re doing most of the work required to secure a loan. Pre-Approval requires underwriting and much of the supporting documentation necessary for a mortgage, including copies of pay stubs that show your last 30 days of income, W-2 statements from the past two years, signed personal and business tax returns from the past two years, and your two most recent bank statements for all financial accounts. If you are self-employed, Pre-Aapproval also requires a copy of your most recent quarterly or year-to-date profit/loss statement.


Estimate your personal rate with the

mortgage calculator or 

refinance calculator


5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

April 2019

5 TIPS TO HELPS BUYERS PREPARE

BUYERS seeking for potential of a DREAM HOME. 

1. Review 

Start by looking at your credit score to make sure there are no errors. Also, pay off any delinquent bills and reduce your debt to get a more favorable debt-to-income ratio. Most lenders want your debt-to-income ratio to be no more than 36%.

2. Get prequalified or preapproved.

Getting prequalified for a mortgage gives you an idea of what your loan program and the amount you can borrow might look like in advance. Plus, it can be done through my website for free.

3. Figure out how much home can you afford

Next, set a price range. What can you reasonably afford? Don’t forget to include insurance, property taxes, and condo/homeowner association fees if applicable.

Helpful tip: 

https://calistorevn.idxbroker.com/idx/mortgage

 can help you determine monthly home payments.

4. Know what you want

Now it’s time to focus on your vision. Do you want a two story or ranch? Need a large yard for entertaining? Nearby bike and jogging paths? Close proximity to schools? What are your target neighborhoods?

Knowing your price range and what you want is important in a seller’s market where you may need to move quickly.

5. Study different mortgage types

There are many types of mortgages available. The 30-year, fixed-rate mortgage is the most common, but familiarizing yourself with all your options helps you make smart financial decisions. Talk with a lending specialist to learn more.

Ask us or an ADK BANCORP INC. lending specialist, I am happy to talk with you about your home buying or refinancing needs.









Estimate your personal rate with the

mortgage calculator or 

refinance calculator


HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

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Everyone has different needs based on their specific situation. When we work together, I'll put best products and services to work to help you as clients find the home loan that's right for you.

Affordable Loan Solution® mortgage

This loan offers a competitive rate and a down payment as low as 3% to help make buying a home more affordable. It may be a good, responsible loan option for qualified homebuyers who don't have enough savings for a larger down payment.

Here are some highlights of the program:

  • Competitive rates with a down payment as low as 3%
  • Applicants cannot own additional properties at closing
  • Mortgage insurance is not required
  • Homebuyer education may be required for first-time buyers through a HUD-approved counseling provider or nationwide network of counselors or us as an ADK BANCORP INC. lending specialist, I am happy to talk with you about your home buying or refinancing needs.
  • Maximum income and loan amount limits apply (varies by location)

FHA and VA loan programs

These government lending programs from the Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) can help your eligible clients find low-down-payment options. They serve a vital role for first-time homebuyers and also move up buyers seeking low-down-payment options.

FHA program highlights include:

  • Industry standard credit score requirements
  • Nontraditional credit
  • Higher loan-to-value (LTV) ratios
  • Nonoccupant co-borrower
  • Up-front Mortgage Insurance Premium (UFMIP) financed or paid in cash by applicant or seller
  • Monthly Mortgage Insurance Premium (MIP) required

VA program highlights include4:

  • Industry standard credit score requirements
  • Nontraditional credit
  • Up to 100% LTV ratio
  • No mortgage insurance (While VA loans do not have mortgage insurance, the borrower may be required to pay a VA funding fee. This fee is typically financed into the loan amount.)

CURRENT MORTGAGE RATE

PERSONAL LOANS & AUTO LOAN

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

CURRENT MORTGAGE RATE

Estimate your personal rate with the

 mortgage calculator or 

refinance calculator

&


PERSONAL LOANS & AUTO LOAN

PERSONAL LOANS & AUTO LOAN

PERSONAL LOANS & AUTO LOAN

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 Finally there is an easy way to get 

 &

VIP MEMBERSHIPS BENEFITS

PERSONAL LOANS & AUTO LOAN

PERSONAL LOANS & AUTO LOAN

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Congrats, you've been invited to join the club!