Ms. Becky 920-209-3319

 You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian, and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

•  Pay on time (35% of your score) The most critical part of a good credit score is your payment history. ...
• Reduce your debt (30% of your score) ...
• Keep cards open over time (15% of your score) ...
• Avoid credit applications (10% of your score) ...
• Keep a smart mix of credit types open (10%)

  Your debt-to-income (DTI) ratio compares your monthly debt payments to your monthly gross income. When you apply for things like a mortgage, auto or other type of loan, banks and other lenders use the ratio to help determine how much of your income is going toward your current debt obligations—and how much more you can afford to take on.

 The normal down payment for a house is 20%. Some home loans can go as low as 3%. Real Estate Agents are a good source for finding a loan program that works with your situation.

There are a lot of programs.  Your bank may not be the best option. Most banks require 20% down.  There are programs for as little as 3% down.

Stacy Leppla: Integrity Mortgage Group  (Click on her name for application information)

Ben Gucinski:  Wells Fargo (Click on his name for application information)

Tom Seaman: Wintrust Mortgage (Click on his name for application information) 

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