Is Bad Credit Better Than No Credit in the Charleston Market?

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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.

Why hire the Jeff Cook Team to represent you?

As the #1 Residential resale agent in the Charleston area for 5 years in a row, Jeff Cook is more than capable of handling the sale of your home in a satisfactory manner. You will not find a more experienced, driven, and successful group than the Jeff Cook Real Estate Group. Whether you are looking to buy or sell, you will find a team that is willing to put your satisfaction at the forefront of the business.

Jeff hopes to provide you with a superior buying and selling process with free reports on Charleston homes for sale and local listings of all homes for sale in Charleston. With a deep knowledge of the local area and a decade of experience within the field of real estate, Jeff is sure to exceed all of your expectations. If you want someone who will work tirelessly to ensure your satisfaction, then you are looking in the right place.

Jeff Cook
Jeff Cook Real Estate
Offices in Summerville, Charleston,
West Ashley, and Mount Pleasant
(843)225-2002
Info@JeffCookRealEstate.com

Erich - "The Jeff Cook team was very helpful through the whole process. Everyone was incredibly pleasant and they really kept me calm during times I was worried that nothing was going to happen. They always gave me good information and were very willing to work with me."

Lee - "I was very impressed with how they kept in contact with me. There wasn’t a week that went by where I didn’t hear from them. Jeff has the most knowledge and we really felt that he would be able to take care of our needs and concerns."

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See what our thrilled Charleston real estate clients have to say

"Our real estate agent, the divine Becca Hodges and the entire Jeff Cook team made buying a home in Charleston SC, while still living in Kodiak Alaska, 4500 miles away, anxiety free. Becca was able to take our long lists of wants and needs in a home and set up multiple search criteria. Essentially, the home of our dreams found us. She happily met with our parents, multiple times, as our stand-ins for showings and never wavered at the challenge of a 4 hour time zone difference for many phone conversations. Working with Becca Hodges and Jeff Cook Real Estate was a pleasant experience. We highly recommend them."

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We had to move to another city before our house was sold and we were scared to death of having to pay a mortgage and rent at the same time for too long. Luckily, Jeff Cook and his team quickly sold our house. We had multiple showings daily for two weeks with great feedback (painting allowance requested, power wash the house, etc.). Those few things were done and soon enough we had two offers. Within the month we were under contract, and closed not even two months later. It felt like a miracle honestly, and we even came out on top! The team works so seamlessly together, and is efficient in each of their roles, you never have to wonder if they've forgotten about your house. I really can't express my thanks enough, they were a dream team to work with! Its just too bad we weren't buying in the area again. Jeff Cook move to Atlanta!"

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Is Bad Credit Better Than No Credit in the Charleston Market?