Worried you won’t qualify for a mortgage? Let’s shut that fear down right now. Buying a home isn’t reserved for people with perfect credit or massive bank accounts. It’s about knowing the game and playing it right.
Hi, I’m Tanja Odzak, eXp Realty. I love helping people. I’m a Senior Level Realtor and I help people sell and buy homes right here in the East Bay!
Here’s the deal: Your mortgage rate doesn’t just affect whether you’re approved. It directly impacts your monthly payment and the total amount you’ll cough up over the life of the
loan. So yeah it matters. The biggest factor? Your credit score. The higher it is, the lower your rate.
But don’t panic if your score isn’t stellar, this is fixable. Pay down your debt. Stay current on your bills. Stop opening new accounts like it’s going out of style! With the right moves, you can absolutely shift your score and your buying power.
Not sure where you stand? That’s what a lender is for and a good one will help you build a game plan to boost your score and set you up to win.
Also not all loans are created equal. You’ve got conventional, FHA, VA, and more– each with their own rules, down payment options, and rates. So shop around. Compare programs. Know your options. Also, while plenty of loan options exist- not all are successful for getting your offer accepted on your dream home. Make sure to work with an extremely knowledgable agent, like myself! As your agent will need to know which of your loan options has the greatest chance of success and how to work it in the markets you’re searching in.
Bottom line? You can’t control the economy or where rates go next. But you can absolutely control how prepared you are. And preparation is power.
So if you’re even thinking about buying now, six months from now, or next year, don’t wait. Let’s connect. Call me today and let’s talk about it! I’m Tanja and I sell homes. With over 9 years of experience, I understand what buyers are looking for. I’ll introduce you to trusted lenders, walk you through every step, and make sure you’re set up to make a smart, confident move when the time’s right. Let’s get you going, Call me today!
I’m a Top Producing Realtor® in the OAKLAND / BERKELEY / EAST BAY AREA. I’ve been in the San Francisco East Bay Area since I came up to do my undergrad at UC Berkeley (a long time ago!), with a short stint at UC Davis while getting my Master’s. I take my duties as a Realtor® and Fiduciary very seriously, I enjoy educating my sellers and buyers along the way. Putting People, Before Profit.
Why not check out one of my no-obligation, online, On-Demand, virtual Real Estate Seminars?
Click here—> I WANT TO GAIN ACCESS TO THE *HOME BUYER* SEMINAR NOW
Click here—> I WANT TO GAIN ACCESS TO THE *HOME SELLER* SEMINAR NOW