Why Zero Is Not The Goal Many people think paying off all their debt is the best way to fix their credit. The truth is, zero times zero is zero. If you pay off every account, you leave no activity for credit algorithms to measure. Your score can stall or even drop. Lenders want to […]
When it comes to qualifying for a home loan, your credit score plays a big role. A higher score not only makes it easier to get approved but can also save you thousands in interest over the life of your loan. If your credit needs a boost, the good news is there are strategies you […]
Thinking about buying a home but worried about your credit score? You’re not alone. Many people believe their credit situation is a roadblock to owning a home, but here at Ramon Espinoza Home Loans, we don’t say “no,” we say “how.” One way we help is by offering free credit repair to our clients, a […]
Buying your first home is a major life step, and for many, the biggest hurdle is saving enough for a down payment. The good news? Arizona offers a variety of down payment assistance (DPA) programs designed to help first-time homebuyers get the keys to their dream home without draining their savings. At Ramon Espinoza Home […]
