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I’ve brought in special guest Chris Gonzalez from Tabor Mortgage Group here in Charleston to help us answer the age-old question: Is it better to have no credit or bad credit when you’re purchasing a home?
“We can actually work with both clients, whether you have bad credit or you have no credit, we’re just going to tackle those in different ways,” Chris says.
For those without any credit, Chris says he can work with rental history, utility payments, and cell phone payments. So, even though you may not be paying anybody, you’re actually building a credit history on your own.
For bad credit, it is a little bit tougher, and the first step they'll take is to pull a credit report and see what’s causing the poor credit score.
The way to start is to reach Chris at 843-810-4821 or at Chris@TaborMortgage.com.
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We can work with both clients, whether you have bad credit or no credit.
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“We will get a credit report pulled, we’re going to review it with you, and then whether you need help or not on the credit side, we’re going to set you up on a plan and give you a timeline so you know when you can get your home purchase completed,” Chris says.
Once you’re ready, Chris will turn you back over to us, and we can help you with your real estate needs!
Thanks to Chris for joining us and teaching us about bad credit vs. no credit. If you’re interested in getting pre-approved reach out to Chris, and if you have real estate questions give us a call or send an email and we’ll get started on a conversation today.
