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Buying a Home: Tips to Improve your Credit Score!

There is no doubt that the regulations on home mortgage lending has changed when it comes to who can or cannot receive a mortgage to buy a home.  Many individuals have the American dream of home ownership and want to buy a home but the obstacle between them and obtaining a mortgage is their low credit score. Here are some tips for making improvements to your credit score:

1.  The first tip concerning your credit score is simple, look at your credit score and report! You are entitled to one free credit report per year from  Once you have your credit report, analyze it to see if it's accurate.  Check everything including personal information, inquiries and debts to ensure there are no inaccuracies.

2. Dispute any inaccuracies on your credit report. Alert the bureaus and ask them to remove this wrong information or correct it.  If there are collections on your credit report that are not accurate you will need to do more than dispute the debt, you will need to request that proper documentation from the collector be sent to the bureaus. If the collector cannot provide proper documentation to the bureaus that prove you owe the debt and the exact debt amount stated then they must remove the claim from your report altogether. **TIP: Many debt buyers cannot produce proper documentation.  If someone has bought one of your old debts dispute it and request for them to provide documentation, it is very likely that they will not be able to produce it.

3.  Do not dispute accurate collections on your credit report that can be authenticated by your creditors through proper documentation.  Many people go through their credit reports and dispute all negative items including the accurate items.  This can actually make matters worse when it comes to your credit score.  The reason being is that some debts are old and inactive.  When you dispute the debt and it is proven to be an accurate debt by the collector your credit report will actually update the collection making it an active debt on your credit report. 

4.  Have a reputable lender pull your credit for review before paying off any old debts.  Again paying off old and inactive debts can actually hurt your credit score in some cases because the account has been reactivated as a current debt.  All liens and judgments recorded on your credit report will need to be paid prior to a home purchase but allow your lender to advise you as to how and when to pay those debts.  

5.  Make your payments on time.  30, 60, 90... day late payment hits can really take their toll on your credit score.  Be sure that you always make your payments on time so that no late payments are recorded onto your credit report.  

6.  Pay down your high balance credit cards.  This simple step can really make a difference with your credit score.  For instance if you have a $1000 Visa card and you have it maxed out with purchases this will negatively affect your score.  However if you have a low balance of let's say $150 or less on this card it will actually help your score in most cases.  This shows a positive line of "available credit."  There is a catch however, don't pay down to a zero balance and allow the card to go inactive or close the account as this also will affect your score negatively.  So the key is to keep an active but LOW balance on all open lines of credit.

7.  Do not allow too many creditors to pull your credit. Too many inquires on your credit report can have an adverse affect.  Only allow your credit to be pulled when absolutely necessary. **TIP: some sales companies will actually "shop" your score.  Be sure that when you do give your social security number to someone they will only pull your credit once and not shop it out to multiple companies that are each pulling your credit. 

8.  Check with the Federal Trade Commission if there is any illegal activity on your credit report.  Identity theft is a huge deal these days.  If you have this problem check with authorities for the steps to take and get the issues resolved as quickly as you can.  

Your credit score is "you" in the free market world of buying and selling with someone else's money.  Be sure that you manage and take good care of your credit once it's been restored.

Need help with finding a reputable home mortgage lender in Georgia?  I will be happy to send to you a list of loan originators that I have had successfully closed transactions with.  Contact me anytime.


Written by:

Amie Bozeman, Atlanta Real Estate Pro



Direct: 770-855-5590



So many times I am asked the question, "What do I do to get started in the Home-buying Process?"  The answer is simple, if you do not have cash on hand for a home purchase the first step in the process is to obtain your loan approval.  If you do not already have a Lender in mind, your Realtor will be able to provide to you a list of suggested lenders that can help you.  

Your Pre-qualification will provide for you:

1.  Peace of mind, "Property Virgins" often wonder if they could obtain a mortgage loan.  Your pre-qualification lender will inform you of your loan ability after a brief financial evaluation.  

2.  Your approval amount.  You will not have to guess how much you can spend, once you are pre-qualified, you will know how much you can spend!

3.  Your estimated payment amount.  Once your lender knows what amount you qualify for they can give you a real close estimate as to what your monthly mortgage payment will be.

4.  Your comfort zone, just because you can spend a certain amount doesn't necessarily mean you will want to spend that amount.  Your estimated monthly payment will help you decide what you are comfortable in spending.

5.  Entrance to preview homes, Realtors in most cases are not willing to show homes to an unqualified buyer. Obtaining a pre-qualification letter from your lender will be the necessary documentation Realtors will ask you to supply to them when determining if you are a 'qualified buyer."

**Tip: If you have a troubled credit record, do not worry about sharing your information with a lender, mortgage professionals can advise you on credit improvements.  Need more help or advice?  Visit me at or contact me at

Happy Buying, 

Amie Bozeman, Atlanta Real Estate Pro



Direct: 770-855-5590



Moving from one location to another can be a little frightening when you are considering big picture.  Moving your entire family to a new location, wondering about where to live, deciding on a great neighborhood with increasing values, figuring out what’s the best school environment for your children, pondering the costs of the actual move and the deposits for all utilities, etc, etc, etc…  

Admittedly relocating is a large task.  While many times it’s exciting to move from one location to another it can also be a bit daunting. However there are many resources available that can make your transition a smooth one.  When moving to a new city, whether you are buying or renting find a Realtor (your Local Expert) that will freely give you information about the area as well as connect you with local resources, lenders and utility companies.  When purchasing a property you will want to have ‘Buyer Representation’ so that your Realtor can share information with you about current home pricing trends and the local market so that you can make a good purchase.  

Being well prepared for a move can really help make the process less scary and more exciting.  Here are some great websites that will also help make your transition to a new area smooth one:

Real Estate use the Search Homes tab for all active properties:
Moving resource for utilities, movers, and more:
Public and Private school reviews and report cards:
United States Postal Service:
Crime information by city and state:

Written by

Amie Bozeman, Atlanta Real Estate Pro
Direct: 770-855-5590

Buyers, What You Need to Know From Start to Finish

So many times I have been asked from a potential buyer “Just what is the process?”  Often, lifetime renters, newly weds, young college grads and the like are interested in buying a home but the process seems daunting with all of the “news” out there these days.  Often they think its too hard, or they wont be approved, or the banks are no longer lending; I just want to say its just NOT TRUE. While buying a home does have a few challenges is can easily be accomplished with the help of your local professionals.  Here's the process:

  1. Choose YOUR Realtor! One that is well informed about Real Estate, takes time to listen to your needs and concerns, that you feel comfortable sharing with, is a good personality fit, is of good reputation and that you feel you could easily work with.  **Realtor fees on listed properties are paid by the seller therefore its FREE for you as a buyer to use a Realtor!!
  2. Ask your Realtor to suggest a mortgage professional.  If you do not have cash on hand, you must be approved for a mortgage in order to buy.  A lender will be able to establish your eligibility by asking a few questions along with you providing some documentation (pay statements, tax returns, credit check, etc)
  3. Decide what price range you are comfortable with.  Your lender will not only let you know how much you are qualified for but also what to expect with your monthly payments so that you can decide on your comfort zone.
  4. Once you are approved and know what you want to spend YOUR HOME SEARCH begins!! Your Realtor will put together a personalized search just for you based on your desired criteria including price range, location, home size, school zones, subdivision amenities, etc etc. 
  5. Next you preview your selected properties with your Realtor so that you can decide on the property that best fits your needs.
  6. Once you decide on the property of your dreams, your Realtor will put together an offer for you.  The offer will include things such as the legal address, what you want to pay for the property, what date you would like to close, what requests you have from the seller, and more. The offer may be accepted right away or you may go into negotiations with some back and forth countering.  Once both parties agree you have a legal binding agreement to purchase that property.  If an agreement is not reached you start again at #4 until your home is found and fully negotiated for you.
  7. Once under contract your lender will process your loan, your closing attorney will prove clear title, you will perform any inspections that you choose and negotiate any desired repair items with the seller.
  8. Then comes the BIG DAY,  your closing! Here you will sign all of your lender docs with a Real Estate closing attorney, get your keys, and head HOME!!!

The process is fairly entailed but can be made simple with a Realtor by your side walking you through each and every step.  To get started, choose your Realtor and get ready to make your move!

Amie Bozeman, Atlanta Real Estate Pro



Direct: 770-855-5590



In baking a pie and having it turn out to its absolute best any pastry chef will tell you that the right ingredients are key!!  Well I’m here to tell you that the same holds true for buying a home. 

 The PERFECT Ingredients needed for home purchasing:

1.  Great selection in the inventory of homes

2.  Super competitive housing prices

3.  Low Interest Rates on Loans

4.  Real Estate Professionals ready to assist and negotiate your terms

5.  Ability to purchase (in most cases a 640 Credit Score, manageable debt & and a stable income)

I can assure you that ingredients 1-4 are readily available in this super ripe buyer’s market!  If you can bring ingredient #5 to the mix you have all of the ingredients needed for a beautiful and tasty home purchase!  Ingredients come and go in and out of season, don’t miss this opportunity! Contact a Realtor today!

Written by

Amie Bozeman, Atlanta Real Estate Pro



Direct: 770-855-5590