{"id":253,"date":"2013-01-02T08:00:00","date_gmt":"2013-01-02T15:00:00","guid":{"rendered":"\/post\/2013\/01\/02\/FAQ-credit-health.aspx"},"modified":"2024-09-06T12:38:58","modified_gmt":"2024-09-06T18:38:58","slug":"from-the-faq-file-credit-health","status":"publish","type":"post","link":"https:\/\/www.richmondamerican.com\/blog\/from-the-faq-file-credit-health\/","title":{"rendered":"From the FAQ File: Credit Health"},"content":{"rendered":"<p>Some of the questions we receive aren&#8217;t about Richmond American Homes, but about homebuying in general. For example&#8230;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" style=\"float: right; padding-left: 15px; padding-top: 5px; padding-bottom: 10px;\" title=\"Key in door lock\" src=\"\/blog\/wp-content\/uploads\/2013\/MigratedImages\/KS85464small.jpg\" alt=\"Key in door lock\" width=\"240\" height=\"266\" \/><\/p>\n<p><strong>Q: Do I have to have spotless credit to buy a home?<\/strong><\/p>\n<p><strong>A: <\/strong>No, but a good credit history may help you get a better interest rate on your mortgage. If you&#8217;re not sure whether you&#8217;re ready to buy a home, you may be interested in our free <a title=\"Download the guide here.\" href=\"https:\/\/www.richmondamerican.com\/Campaigns\/6\/\" target=\"_blank\" rel=\"noopener noreferrer\">First-time Homebuyer Guide<\/a>. It contains budget worksheets, credit management tips, mortgage FAQs, moving checklists and other resources to help you plan your new home purchase. We also offer a guide called <a title=\"Get the free guide!\" href=\"https:\/\/www.richmondamerican.com\/Campaigns\/3\/\" target=\"_blank\" rel=\"noopener noreferrer\">8 Credit Score Management Tips<\/a>, which focuses specifically on ways to get your credit mortgage ready, and another for those interested in <a title=\"Get the pdf now!\" href=\"https:\/\/www.richmondamerican.com\/Campaigns\/4\/\" target=\"_blank\" rel=\"noopener noreferrer\">Buying a House After Bankruptcy, Foreclosure or Short Sale<\/a>.<\/p>\n<p><strong><em>Still have questions or feedback? <\/em><\/strong>Thanks to our affiliation with <a title=\"Learn more about HomeAmerican Mortgage Corporation.\" href=\"http:\/\/www.homeamericanmortgage.com\" target=\"_blank\" rel=\"noopener noreferrer\">HomeAmerican Mortgage Corporation<\/a>, <a title=\"Learn more about American Home Insurance Agency.\" href=\"http:\/\/www.americanhomeinsurance.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">American Home Insurance Agency<\/a> and <a title=\"Learn more about American Home Title &amp; Escrow.\" href=\"https:\/\/www.ahteco.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">American Home Title and Escrow Company<\/a>, we can connect you with the answers you need\u2014whether you&#8217;re curious about how to pre-qualify for a mortgage, <a title=\"Read more about home insurance.\" href=\"https:\/\/www.richmondamerican.com\/blog\/homeowners-insurance-find-out-whats-covered\/\">which factors influence your homeowners insurance premiums<\/a>, what&#8217;s involved in the <a title=\"Read more on this topic.\" href=\"\/blog\/tag\/homebuilding-process\/\">homebuilding process<\/a>, or why you need title insurance. Keep checking the <a title=\"Read more FAQ articles.\" href=\"\/blog\/tag\/faq\/\">FAQ<\/a> section of our blog for future Q &amp; A articles, or contact us at <a title=\"Email us!\" href=\"mailto:questions@richmondamerican.com?subject=Blog question\">questions@richmondamerican.com.<\/a> We&#8217;d love to hear from you!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Some of the questions we receive aren&#8217;t about Richmond American Homes, but about homebuying in general. For example&#8230; Q: Do I have to have spotless credit to buy a home? A: No, but a good credit history may help you get a better interest rate on your mortgage. If you&#8217;re not sure whether you&#8217;re ready [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[4],"tags":[382,57,88,150],"featured_image_src":null,"author_info":{"display_name":"rahblogadmin","author_link":"https:\/\/www.richmondamerican.com\/blog\/author\/rahblogadmin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>From the FAQ File: Learn More About Credit Health<\/title>\r\n<meta name=\"description\" content=\"Some of the questions we receive are about homebuying in general. 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