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Your NW VA Guy, Kerry Greenwald, Sr. VA Loan Specialist and owner of Creekside Mortgage, talks about why you shouldn't let your credit scare you away from buying a home. It's never too early to start thinking about any credit issues you may have. We will go through and pull your credit at our expense and then we can walk you through any credit issues that need to be resolved. The key is to keep your balances at 30% or below. If you have a $1,000 max limit, you never want to go over $300 or that will be considered negative credit. There are also times that paying off collection accounts will actually lower your credit score. We can walk you through all of these steps and help you get into a position to buy.
