Credit!  Credit!  Credit!

As realtors in the Greater San Antonio, Texas area, the greatest problem we encounter when a client is trying to buy a home is.......... you guessed it - CREDIT.

We can get a free credit report from all three bureaus every year.  Please read on:

Check Your Credit

The highest credit scores garner the lowest down payment requirements and lower house payments. Homebuyers with scores under 620 will find it a challenge to obtain financing and, if they do, they'll pay a higher rate.

You are entitled to a free copy of your credit report once a year. Make sure you order the reports at AnnualCreditReport.com, the only site authorized by the federal government.

When you get your reports, either online or in the mail, go over them, looking for mistakes or anything else you can challenge. It is not at all unusual to move your score up dramatically by disputing and having the agency remove even one negative entry from your credit report.