Susan Kramm-Realtor-Realty Executives Battlefords

SIGN RIDERS WHAT ARE THEY AND WHAT DO THEY DO?

Allow Instant access to information about a seller’s property.    

When you text 306-500-4114 message Susan – all my current listings will be present.  You can search by ADDRESS, by LOCATION or by MLS #. 

Instant access to information.    

• REALTY EXECUTIVES PRESENTS Video, Price And Property Details-Beds, Baths, Square Footage.
• AGENT INFORMATION- With Contact Information And A Link To My Website
• VIEW MY LISTINGS LINK
• MORTGAGE CALCULATOR
• PRINTABLE BROCHURE
• WALK SCORE
• LOCAL WEATHER-
• DRIVING DIRECTIONS WITH GOOGLE MAPS
• NAVIGATION-PICTURES OF THE PROPERTY
• SHARE WITH A FRIEND-Text Or Email
• You will see a sign Rider on top of each FOR SALE sign on the property
• The text access number is also displayed wherever the property is marketed.  (newsletter insert sheet-etc)

Buying a home should be an exciting experience that you are prepared for with NO stress. As your trusted Real Estate Broker I am here to walk you through all of the important steps & provide you all of the information you need to make the most important purchase, your home. I can assist you with your home, cottage, a home for a family member or a rental property.  Ensure you are getting exactly the service you want and deserve by calling me today

Looking to Qualiry for a Mortgage and Become a Home Owner?

Many home buyers think that if they pay more rent than a mortgage payment, the lender will approve them to purchase.  Lenders want to see a history of how you pay your bills. 

What do you need to have to qualify for a mortgage?

• Banks and mortgage brokers are looking at your credit score.What is your income, where you are employed and for how long?
  • Do you make your payments on time?
  • Do you have any unpaid collections?
  • Do you have credit cards, or lines of credit and do you have a history of managing them well. 
• What is your debt and what is your debt ratio to income?

ESTABLISHING A GOOD CREDIT SCORE:

Even if you are a couple each of you should establish your own individual credit history.

Ideally, everyone should have 2 active credit samples when applying for a mortgage, with a 2-year history.  

• If payments are paid on time you will have a strong credit score.  This shows the lender that you are able to pay your debts in a timely manner. 
• It shows that you can manage approved credit without using the maximum limit. Ideally, you don’t want to exceed  50-70% of your credit limit
• If your credit is getting checked it will affect your score, every time it is checked it can lower your score.  ( applying for credit cards, or purchasing a vehicle, bank shopping)

AVOID COLLECTIONS, JUDGEMENTS OR WRITE OFF ACCOUNTS.

• Unpaid balances have to be paid to qualify for a mortgage
• If you are having issues make arrangements to get the balance paid to zero
• Once reported it will not go away, it will stay on your report. 
• These do not fall off your credit

A broker can be very helpful with advice in re-establishing your credit.  If your credit is not strong…seek advice you will be amazed at how quickly you can correct and get yourself on track.  It never goes away so the faster you deal with a poor credit score, the faster you can repair it. 

Buying a home should be an exciting experience that you are prepared for with NO stress. As your trusted Real Estate Broker I am here to walk you through all of the important steps & provide you all of the information you need to make the most important purchase, your home. I can assist you with your home, cottage, a home for a family member or a rental property.  Ensure you are getting exactly the service you want and deserve by calling me today.