Texas Cash Back Real Estate  About Us   -   Contact Us   -   Featured Listings   -   All Listings Sell a Home & Buy a New
Construction and save up to 3%

Sell a Home & Buy a Pre-Owned
Home and save up to 2%

Rent or Lease an Apartment
and get up to $500 Rebate

Buy a New Construction Home
in Texas & Save up to 2%
Sell a Home in the Houston
Area & Save up to 1%
Buy a Pre-Owned Home in the
Houston Area & save up to 1%
 
Rebate Package Details
Search for Homes
Featured Listings
Pre-Qualify Me
My Home Finder
Home Buyer Guide and Tips
Home Buyer Check List
Home Buying Power
Applying for a Loan
Loan Application Checklist
Getting Approved for a Loan
Affordable Housing Finder
Loan Programs
Shopping for a Mortgage
Locking in Interest Rates
Your Credit Score
Mortgage Saving Tips
Mortgage Glossary
Making the Offer
The Inspections
The Down Payment
The Closing Costs
Insurance Costs
Real Estate Taxes
Going to Closing
Real Estate Glossary
Consumer Tools
    Subdivision Price Finder
    School Finder
    Golf Course Finder
    Senior Living Finder
    Consumer Market Report
    MLS Monthly Press Release
    Real Estate Dictionary
    Calculators
    Calculadoras (En Español)
Checklists and Worksheets
    Getting a Mortgage Checklist
    Loan Interview Materials Checklist
    Making an Offer Checklist
    Available Funds Worksheet
    Closing Costs Worksheet
    Gross Income Worksheet
    Home Visits Worksheet
    Housing Wants and Needs Worksheet
    Monthly Debt Worksheet
Mortgage Products and Lender Info
    Adjustable-Rate Mortgages
    Balloon Mortgages
    Biweekly Mortgages
    Fannie 3/2®
    Fannie 97®
    Fannie Mae's Community
    Home Buyer's Program™
    Expanded Approval™ for
    Timely Payment Rewards®
    Fixed-Rate Mortgages
    HomeStyle® Renovation Mortgage
    InterestFirst™ Fixed-Period
    Adjustable Rate Mortgages
    InterestFirst™ Fixed-Rate Mortgages
    Low Down Payment Mortgages:
    Flexible 97® and Flexible 100™
    Native American Housing Loans
    Reverse Mortgages:
    Home Equity Conversion Mortgage
    Reverse Mortgages:
    Home Keeper for Home Purchase
    Reverse Mortgages:
    Home Keeper Mortgage
    Rural Housing Loans
    Reverse Mortgage
    About Reverse Mortgages
    Assessing Your Financial Needs & Goals
    Living With Your Reverse Mortgage
   
Refinancing
    Finding the Best Refinancing Deal for You
    Points and Refinancing
    Refinancing Eligibility and Requirements
    Some Good Reasons to Refinance
    The Costs Of Refinancing
Home Improvement and Remodeling
    Buying And Improving A Home
    Buying And Improving A Home
    Requirements
    Home Improvement Financing
    Improving Your Existing Home: Costs
    Improving Your Existing Home: Projects
    Investing In The Home: Energy Savings
    Selecting A Contractor:
    Sources and References
    Selecting A Contractor: The Contract
    Working With a
    Home Improvement Lender
Mortgage Calculator
Bi-Weekly Mortgage
Detailed Mortgage Qualification
How Much Can I Afford?
Monthly Payment
Pre-Payment Analysis
Pre-Payment Mortgage Reduction
Principle After Specified Years
Debt Consolidation Calculator
Rent vs. Own
Texas Community Links
FAQs
 
 Jill Aylwin Realtor Texas Cash Back Real Estate

Jill Aylwin - Real Estate Broker, Realtor, MBA
Contact Us
 Realtor MLS
    Ph: (281) 334-CASH

  Do You Know Your Personal Credit Score?

This will likely affect the amount of home you qualify for.

It's just one number, but it is based on years of all the payments you have made on the mortgage, car payments, credit card bills, and other obligations. And this one little number is considered the best single indicator of whether you're likely to meet your future obligations.

Where does the number come from?

All three of the major credit reporting agencies (Equifax, Experian and TransUnion) use a slightly different system to arrive at a score. The best known is called the FICO score, based on a model developed by Fair Isaac and Company and used by Experian. Equifax's model is called BEACON, while TransUnion uses EMPIRICA. While each of the models considers a range of data available in your credit report, the all use these factors:

  • Credit History - How long have you had credit?

  • Payment History - Do you pay your bills on time?

  • Credit Card Balances - How much do you owe on how many different cards?

  • Credit Inquiries - How many times have you had your credit checked?

Each of these, and other factors, are assigned a value and a weight. The results are added up and produce this single number. FICO scores range from 300 to 800; the higher, the better. Most home buyers' scores fall in between 600 and 800.

FICO scores are used for more than just determining whether or not you qualify for a mortgage. Higher scores indicate you are a better credit risk and will likely meet (pay) your obligations, and thus you may qualify for a better mortgage interest rate.

You can make sure that your credit history is correct by logging on to www.myFICO.com Each of the credit services offer helpful advice on their web sites: www.equifax.com, www.experian.com, and www.transunion.com.

If you are looking to improve your score, you can get help from multiple sources - from the internet to books.

 

Buy a Pre-Owned Home
in the Houston Area
and save up to 1%

 

Contact Us today -- Or --
Call us anytime at (281) 334-CASH

 

 
Buy a New Construction Home
in Texas & Save up to 2%
Sell a Home in the Houston
Area & Save up to 1%
Buy a Pre-Owned Home in the
Houston Area & save up to 1%
 

Texas Cash Back Real Estate
Jill Aylwin / Real Estate Broker, Realtor, MBA
Contact Us or Call: (281) 334-CASH

 Texas Realtors        Realtor MLS


Web Site Design, submission and hosting by Uster Enterprise Inc. (713) 412-6704
E-mail Webmaster