Browsing Tag

homebuying basics

1 2 3 4 5 6 7 8 18
Financing & Insuring

Online Tools to Improve Credit

January 21, 2019

An acceptable credit score is one of the keys to getting your home loan application approved. Mortgage lenders have historically used FICO® scores—derived from data collected by one or more of the three major credit bureaus—as a major factor in determining whether you qualify for a mortgage. Different mortgage lenders can approve or deny loans based on their own risk tolerance, but anything below a “good” range may significantly decrease your odds of loan approval—and of a favorable interest rate if you are approved. So, what…

Continue Reading

Share this article

Buying a Home

A Guide to Our Free Homebuyer Guides

January 18, 2019
Image of several guides for homebuyers

At Richmond American, we love helping new homebuyers attain the dream of homeownership. And with nearly 40 years in the industry, we’ve learned a thing or two about the process! Perhaps you’re just beginning your house hunt, or maybe you’ve already decided on a floor plan and community. Regardless of your stage in the homebuying process, we have compiled worksheets, tools and checklists to assist you along the way. Check out (and download!) our series of FREE guides, designed to help homebuyers stay organized, informed…

Continue Reading

Share this article

Buying a Home

3 Ways to Jumpstart Your House Hunt Online

January 3, 2019
Couple with computer

If you’re like many people, a new home is on your 2019 wish list. But that doesn’t mean you’re ready to hire a real estate agent tomorrow and start touring houses next Saturday. Sometimes the house hunting process needs time to ramp up. We like to call it “pajama time.” You need to do some research, check out some house hunting websites, make sure your credit is in order—preferably from your sofa! If this sounds like the homebuying stage you’re at, this is the article…

Continue Reading

Share this article

Financing & Insuring

How to Manage Your Credit Score During the Holidays

December 4, 2018

The holidays are a tempting time to splurge, but if you’re planning on purchasing a home in the near future, keep a close eye on your bills. ‘Tis the season for spending, but the five tips below will help keep your credit score in great shape. Check in Forget making a list and checking it twice—check your credit score instead! It can be easy to forget where you’re at, and keeping your score top of mind is a great way to prioritize your credit goals…

Continue Reading

Share this article

Buying a Home

4 Things to Look for in a Real Estate Agent

October 12, 2018

1. Listening skills. It’s no accident that listening skills top this list! Effective communication is key to the buyer/agent relationship and listening is at least half of that equation. You need to find a real estate agent who pays attention to your wants and needs and customizes your home search to suit your wish list. When you tell your agent what you’re looking for in a home, does he or she take notes? If not, this could be your first red flag. If you say…

Continue Reading

Share this article