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SUNDAY, AUGUST 23, 2015
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R
eal estate broker Patricia Lo renzo has concise advice for
people would are interested
in buying a home: Check your credit report. "A lot of people find "# mistakes," ! said " Lorenzo, owner of $% 85 and & Sunny Real ' Estate in ( Melbourne. & She has had clients find outstanding debts that they had paid ) off; others have found their credit report includes informa tion on a different person. you find inaccurate +- or ac* If curate, but damaging+- " information, " you can start working on correcting or improving the report. People can work on clearing their credit on their " own,
or call her office for help.
Federal law guarantees each ,
8228. 2 You can get all three reports at $11$ once, or space them throughout the
" year. Credit reports include information on where you " live, how you pay your
bills, and whether 3 you've been sued or " have filed for bankruptcy. 4 Nation wide credit reporting companies sell the information in your report
to
PHOTO: DANIELFELA/ IST0CK /THINKST0CK
businesses that use it
to evaluate your applications for " credit, " insurance,
Lorenzo said. "But you make that
6 if
sales as well as property management
employment, or renting a home. "
extra " effort, it will happen. 5
services.
Mortgage lenders use the information ( to determine an 3 applicant's creditwor
thiness. ! A
good report might mean a money-saving, low interest rate. " Lorenzo helped a buyer
who
closed on a home earlier this month after taking time
to repair credit. . The
That " buyer, and others 3 she's work.
Potential home shoppers will find
overall sales.
Rentals are increasing in " price, as well. ( Monthly rentals have risen
ing " with, used a government-spon
strong housing market if they decide a
$100
to 7199 $200 in the past 5 six " months, 7899
sored program that allows first-time
to
look
into buying. . The median sale
Lorenzo said. & She recently listed a
buyers
to borrow up
to 78%"999 $15,000 for a
price of a single-family home in 6 Bre
home that rented for 78"81% $1,125 a month
home purchase. . The loan is forgiven if
vard County rose $ ; 8.4 percent in < July
last ) year; 3 she's received several applica
the homeowners own and occupy the
from July 2014,
to 78=8"999 $161,000.
Lorenzo < 198;"
tions offering 78"099 $1,300 a month for the
home for at least five years.
seeing fewer distressed sales. . There is
home.
American can receive a free credit !
home buyer had
to work on establish
report once a year from each of the
ing a steady payment " history, using
three - major credit reporting agencies.
utility bills and car insurance pay
ship class
to : qualify and are - subject
to
in which the sellers accept less in +-
increase in coming months as the
To obtain " yours, visit the website an.
ments. * It paid off
income limitations.
payment than they own on the home
market slows for the usually calmer
but they are a smaller proportion of +-
fall season.
nualcreditreport.com or call $// 011 877-322
"It can take some 5 extra "# effort," *
Buyers must take a homeowner6
Lorenzo's brokerage offers home 3
are still foreclosures and short sales
She's hoping inventory will & 3
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Central/North Brevard 321.799.0221 | Cocoa Beach 321.868.7700 | Melbourne 321.259.5280 Melbourne & The Beaches 321.723.1010 | Merritt Island 321.453.7700 | Palm Bay 321.768.6400 Port St. John 321.639.7700 | Viera/Suntree 321.751.4707 *Coldwell Banker Residential Real Estate is ranked number one in closed residential buyer and/or seller transaction sides in Palm Beach, Orlando, Tampa/St. Petersburg and Naples/Fort Myers, and number one in residential sales volume (calculated by multiplying number of buyer and/or seller transaction sides by the sales price) in Miami/Fort Lauderdale, Orlando and Tampa/St. Petersburg, according to data submitted to REAL Trends by NRT LLC, 2015. Real estate agents afďŹ liated with Coldwell Banker Residential Real Estate are independent contractor sales associates and are not employees of the Company. The property information herein is derived from various sources that may include, but not be limited to, county records and the Multiple Listing Service and it may include approximations. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without personal veriďŹ cation. Š2015 Coldwell Banker Real Estate LLC. All Rights Reserved. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Operated by a subsidiary of NRT LLC. Coldwell Banker, the Coldwell Banker logo, Coldwell Banker Previews International and the Previews logo are registered and unregistered service marks owned by Coldwell Banker Real Estate LLC.
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