flgaland@gmail.com
    (386) 243-0124

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What Lenders Look at on Your Credit Report

What Lenders Look at on Your Credit Report

When you apply for a mortgage loan to buy a home for sale in Lake City, your lender is going to check your credit score. Here’s what you need to know.

What Lenders Look at on Your Credit Report

Lenders look at your ability to repay other loans when they’re deciding whether to let you borrow money to buy a house. Here’s an easy breakdown of what your actual credit scores represent:

  • 35% of your score depends on your payment history (on-time or late payments)
  • 30% of your score depends on how much of your available credit you’re using
  • 15% of your score depends on the age of your credit history (how long you’ve had credit)
  • 10% of your score depends on you having different types of credit (not all credit cards or auto loans, for example)
  • 10% of your score depends on the number of credit inquiries you’ve had in the recent past

What Credit Scores Tell Lenders

A high credit score suggests to a lender that you’re likely to repay your loan – and that you’re likely to pay on time. A lower score suggests the opposite.

Are You Moving to Lake City?

If you’re moving to Lake City, we can help you find the perfect place to live. Call us at 386-243-0124 to tell us what you want from your home and we will begin searching right away.

In the meantime, check out the most popular Lake City home searches by exploring the links below.

  • Waterfront residential in Lake City
  • Waterfront land in Columbia County
  • Bank-owned homes and foreclosure in Columbia County
  • Short sales in Columbia County
  • Paved road frontage for sale in Columbia County
  • Non-deed-restricted land for sale in Columbia County
  • Wooded oak tree land for sale in Columbia County
  • Land-for-land home combo in Lake City

 

 

Posted in: Blog, Buyers, Buying, Financing, Florida Farm for Sale, Florida Land for Sale, Mortgages Tagged: Credit Report, Credit Scores

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As local expert I also have access to North Florida Land for sale before it hits the market and can show you more information that are only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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North Florida Land for Sale

(386) 243-0124

flgaland@gmail.com

Office: (386) 243-0124
250 NW Main Blvd #75
Lake City, Florida 32055

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Search Smarter

Did you know the hottest North Florida land for sale often sells within days of being listed? Don't miss out! Set up your own custom property alert so you can be notified of the newest land as they hit the market! Simply click the button below and choose the types of North Florida land you are looking for and save your search to start getting alerts today!

New Property Alerts

As a local expert, I also have access to North Florida land for sale before it hits the market and can show you more information that is only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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