Will my spouse’s credit score matter for my Texas mortgage?
If both spouses are on the loan, lenders use the [...]
Do I need perfect credit to buy a home in Texas?
No. Most Texas first-time buyer programs only require a 620 [...]
Does a promise to pay restart the statute of limitations on old debt in Texas?
Yes, in many cases. Texas has a 4-year statute of [...]
What is the middle-score rule and how does it affect my Texas mortgage application?
Mortgage lenders pull your credit score from all three bureaus [...]
Should I settle or pay collections in full before applying for a mortgage?
It depends on the type of collection and how it [...]
Can student loan collections block a mortgage even with a good credit score?
Yes. If you have a defaulted federal student loan, you [...]
Will medical collections stop me from getting a Texas mortgage?
Usually not. Mortgage underwriters generally look past medical collections because [...]
Do I have to pay all my collections before I can buy a house in Texas?
No, you do not have to pay every collection before [...]
How long does it take to raise my score from 580 to 620?
Many people see this jump in 60 to 90 days [...]
How many points can credit repair add to my score?
It depends entirely on what is on your file. Some [...]