UtahCreditCoach uses a unique software program we call "Home Sweet Home." The program guides you, step by step through the process, coaching you to reach your credit goals. Once you are enrolled, you are able to log into the system, anytime, anywhere and work towards improving your credit scores. REGISTER HERE FOR A FREE, PRIVATE CONSULTATION!
Credit Card useage rose after a 27 month decline in balances.
Consumers beware the increase in your balances will affect your credit score. Credit Useage accounts for 30% of your credit score. When balances increase so do your monthly payments. This may affect your debt to income ratio when you go to qualify for a home.
If you are in the process of purchasing a home, do not increase your credit card debt. You would be surprised how as little as a $5 charge can affect your score and make the difference between the better interest rate or even qualifying for your loan.
for all your credit needs visit http://www.UtahCreditCoach.com
Are you just plain tired! Tired of bad credit! Tired of low credit scores! Tired of not knowing what steps to take? We have the answer!!! Try us out, proven results, our system removes all the guess work and gives you a detailed plan of what to do and why.
Credit card debt, left unchecked, can pile up quickly. Especially for debtors making minimum payments.
According to the Federal Reserve, a credit card balance of $5,000 at 23.99 percent APR won’t pay off for 16,127 years. That’s one reason why it’s important to manage your credit card rates, and renegotiate them whenever possible.
In this 4-minute piece from NBC’s The Today Show, you’ll learn the tested tactics that can cut a credit card rate, and get monthly payments to a more manageable range. And it’s do-it-yourself — no debt management firms required.
Some of the tips in the video include:
Compare your current rate to the rate offered to new customers. Ask the lender for “new customer rate” if it’s lower.
If your credit score has improved since application, ask for an interest rate more reflective of your current credit score.
Be nice to the customer service representative. Kindness helps.
Managing debt is an important part of household budgeting so if you’re finding your credit card payments and/or rates too high for your liking, try following the instructions as described in the video. And, above all else, be persistent. The credit card companies won’t likely approve your first request.
Did you charge all your holiday spending on your credit cards? Are your cards maxed out? Are you cringing at the thought of opening up your January Credit Card statements? If you are currently in the process of buying a home or want to buy a home in 2011 we need to get your credit score in order, check us out, UtahCreditCoach.com
For many of us the holiday season is full of fun, laughter and good times but for some the holidays are a reminder of what they don’t have. Recently a group of lenders in the Salt Lake Valley got together to raise money for TheBrokenRoadFoundation.org It all started a few weeks ago at a Mortgage Masters Convention in California. A challenge was thrown out by Sarah Middleton of The Broken Road Foundation, to see if they could raise enough money to purchase 100 pairs of shoes for children in their community. The goal was huge and the time allotted was small but it didn’t take long before Josh Mettle, Mats Kinnison, Mike and Tobi Roberts had reached their goal. The monies had been raised.
Once they returned from the convention arrangements were made with a local middle school, West Lake Middle School located in West Valley, Utah. Principal Ike Spencer was 100% onboard. Local sporting goods/shoe store Dicks Sporting Goods located in the Salt Lake City, Utah agreed to all the necessary accommodations the fundraisers and there project would need. This included allowing 100 middle school age kids to come into their store, get sized and try on shoes. Not an easy feat.
Yesterday, December 21st was the big day. Dicks Sporting Goodsopened up early to help accommodate us. The kids were loaded onto buses and brought downtown. Greeted by an army of helpers the kids were feed some treats, given new socks and sized for their brand new shoes. Everyone involved was touched by their stories. The kids were so grateful and excited. They showed up looking nervous and unsure and left with huge smiles, laughter and thank you’s for all.
Thank you Mr. Ike Spencer, his helpers and all the kids at West Lake Middle School. You were and are an amazing group of people. Thank you toDicks Sporting Goods for helping us out and a huge thank you to Josh Mettle, Mats Kinnison, Mike and Tobi Roberts without you this would have never happened. You helped make 100 kids very happy.
Local Heroes Raise Enough Money To Purchase 100 Pairs of Shoes for Local Children
Want to buy a home or refinance your current mortgage? Think twice about how you shop this holiday season.
OK everyone. Stop what you’re doing and think again. Before you head out for Black Fridays “deals” or cyber Saturday’s online deals make sure you have the cash to purchase everything and a list to stick to. You may ruin your credit score and any loan or refinance you have in the works if you raise your debt ratios or open a store card. That store card and its “10% off” may be the difference between owning your dream home and continuing to rent.
I highly recommend “Home Sweet Home” Credit Coaching Services as part of “Josh Mettles Lending Team” and here is why:
I’m a full-time Real Estate Agent and like many buyers was looking to buy a home in this fantastic buyers market. I put in an offer on a short sale home, filled out a loan application with Josh, and had him pull my credit. I found out my mid-credit score was 649. I was stunned! I hadn’t had a late payment since 2007 and thought my credit was better. I really wanted to make sure I qualified for the best interest rate known to man (with interest rates currently around 4%) and with my score at 649 that wouldn’t do. Josh told me I needed my mid-credit score to be atleast 680 to qualify for this best interest rate. I knew getting my score to this 680 level would save me ttens of thousands in interest over the long haul of my loan. So, I hired “Home Sweet Home” and they sat me down and I went over everything I could possibly do to quickly bump up my score. Immediately, I did everything they asked and in 45 days I found my mid-credit score went up 48 points from 649 to a wopping 697. I am now over the hump and will save tens of thousands on my home loan. I will continue to recommend “Home Sweet Home” and “Josh Mettle Lending Team” to all my clients whom I work with that are in need of higher credit. Thanks “Home Sweet Home” and Josh Mettle Lending Team!” ~ Dave G.
UtahCreditCoach Strikes Again. Absolutely unbelievable, a credit program that helps you work on improving all 5 areas of the fico score factors. A credit coaching program that focus’ on fixing legitimate issues. A credit coaching program that helped a person improve their credit scores +57 points in 38 days.
I don’t know about you; but I think thats very cool and impressive. Results vary based on the persons beginning point and how dedicated they are to improving their situation. This is a hands on program where the enrolled person follows the steps given by the credit simulator (software program). All information is based on Mortgage scores. New scenarios are ran every 90 days and personal coaching by a FICO certified Professional, is provided throughout the whole program.
Its been very nice seeing someone go from the “nope you can’t qualify for a home “ to “congratulations you can now start searching for your new home.”
If you want more details about the coaching system, log on to www.UtahCreditCoach.com you can read through the information and request a free coaching session.
I am asking this question today as I run across more and more potential home buyers who have chosen a new vehicle. Why did you make that choice?
Is it the instant gratification?
Is it because it’s easier to qualify for a car loan?
Is it because your current vehicle is getting older and might break down or keeps breaking down?
I’m curious, please let me know your comments and reasons why you chose to get a vehicle first or you chose to take advantage of the historical interest rates and prices and purchase a home instead.
I strongly suggest if you are in the market for both, that you meet with a lender first and checkout your credit situation and what your options are. No matter what you decide to purchase, a low credit score will cost you.
Incredible!!! Roughly a $98,000 savings when you buy a home vs. continuing to rent
The following breakdown is based on monthly rent of 1200/m0nth with 40/m0nth in renters insurance vs. home purchase price of 225,000 interest rate 4%, 30 year loan, home owners insurance of 400/year and property taxes of 1500/year.
Something to think about, so if you feel that renting gives you freedom, you seem to be paying a lot of money for that freedom.
If you are unsure if you would even qualify for a loan? Ready to move forward and get going on buying a home? Need to refinance? Check us out www.UtahCreditCoach.com You would be amazed at what we can do. Why wait, you’re just flushing money down the drain.
