If you are thinking about purchasing a home for the first time, you may not know that your credit will be one of the key factors in determining whether you are approved for a mortgage and your mortgage interest rate. Your credit score is calculated using five major factors:
- Payment history – Creditors will look at any utility bills and payments on outstanding loans or credit cards.
- Amount owed – This is the amount of credit card or loan debt that is outstanding.
- Length of credit history – This is determined by how long you have held credit on loans or credit cards.
- New credit – Creditors will make note if you have opened new credit cards or taken out any loans recently.
- Types of credit used – This is seen as your different kinds of credit, such as credit cards, auto loans or student loans.
Before you begin the home buying process, request a free copy of your credit report and check for errors, which can have a negative effect on your score. If you see any errors, be sure to dispute them. Additionally, try to begin paying off outstanding debts, since those also affect your credit score.
Once you have applied for a mortgage, avoid opening new credit accounts such as credit cards or auto loans until your home has closed. You will also want to keep the balance low on any current credit cards.
I would love to meet with you and have a conversation about your financial goals and your future home purchase.
Unpacking the Boxes is a 10-week class for women in the Edmond and Oklahoma City area. The class is inspired by Susan Miller’s book After the Boxes are Unpacked: Moving On After Moving In. Women from the Memorial Road Church of Christ run the weekly meetings. The class is designed to help women connect with other women who are new to area. Bible-based lessons will help you learn to move past the pain and loss of what you’ve left behind and toward an appreciation of your new community. You will have an opportunity to meet other newcomers in the Edmond area and build friendships by sharing relocation challenges, memories of “home,” and common interests. The optional book may be purchased on the first day of class.
Class meets Wednesday mornings, 9:30-11:30, at Memorial Road Church of Christ, 2221 E. Memorial Road, from September 5 to November 14. Child care is provided.
For more information about the class, visit www.unpackingtheboxes.com or e-mail firstname.lastname@example.org or phone 405-478-0166.
1300 Echo Dr.
Edmond, OK 73034
4 bedrooms – 2.1 bathrooms – 3360 SF mol – Edmond Schools
8404 Aspen Hills Dr.
OKC, OK 73132
3 bedrooms – 2 bathrooms – 1,476 SF mol – Putnam Schools
Fabulous home with awesome updates! Updates include: all new heat and air in 2013, granite in 2014, a stainless steel dishwasher in 2017, a hot water tank in 2015 and a garage door opener in 2015. The living room is open to the dining room. It has tall ceilings, a fireplace, natural light, two inch, white faux blinds and plenty of room to set up your furniture. Seller offering $2500.00 in flooring allowance/update allowance/buyers closing costs. All bedrooms are on one side of the home. Hall bath between secondary bedrooms. Master bedroom has a tray ceiling and is at the end of the hallway. The master bath has two sinks, a tub, shower and two walk in closets with builtins. Great patio with room to garden or relax! Easy to show and ready for YOU to make it your own home!
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April showers bring May flowers and kids with cabin fever from being stuck inside! You don’t want to loose them to the rain and run the risk of them getting sick but they’re about to lose their minds if they have to stay inside any longer and you’re about to do the same! For everyone’s sanity on a day like today we’ve rounded up a couple of fun activities and places to go in the area to keep the kiddos occupied!
- Paint pottery at Unpluggist Paint & Play
If you’re kiddo loves crafts then this might be a great option for you! Here you’re able to choose a piece you want to paint, make your creation, and take it home! If you’ve also got a couple of kiddos with ants in their pants half way through painting, that’s fine too! There’s a play place here and it’s a totally kid friendly location so let them run wild!
- Skating at Skate Galaxy OKC
This is a terrific plan for parents who just need a breather from entertaining their little ones for a moment. Take them here, rent a couple of skates at an affordable price and then let them skate their hearts out until they’re tired! There are sure to be plenty of other kids for them to make friends with a play around with. If your kiddo doesn’t want to skate the whole time there are also arcade games there to play!
- Head to Story Time at the Library
You could read books at home and we of course know that no one tells stories to your kids better than you but sometimes it’s just a change of location they need. These readings are usually free and happen frequently! Just check out the times offered at your local library!
- Try Out a Board Game Cafe
There are a number of board game cafes in the area and there seem to be more and more popping up over time! Edmond Unplugged is a great example! Located in downtown Edmond, take the kids and sit down and pick out some games to try! Enjoy a refreshment while you play too!
3608 Jim Robison Dr.
Edmond, OK 73013
4 Beds – 2.1 Bath – 2,111 SQFT mol – Edmond Schools
Location! Location! Location! Located in the sought after Chisholm elementary this home is both gorgeous and in a great location! Great floor plan for entertaining with two living areas and two dining areas. The kitchen has double ovens, granite, bar seating, built in desk/hutch, a walk in pantry plus it is open to the living and dinette. There’s also a lovely little half bath off of kitchen for guests. The updated master bathroom comes with new tile, counter top and shower area. The spacious master bedroom is tucked away at the end of the hallway and it has two walk in closets. Three, secondary bedrooms are the perfect size and share the hall bath. Over-sized backyard with plenty of room to run and play. Seller offering $3000.00 flooring allowance to replace carpet or make updates. Storm shelter in garage floor. Close to Oklahoma Christian University, walking trails, and the park! You don’t want to miss out on this fantastic buy!
For a virtual tour of this listing click here!