Closing on home next week!!

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After all my hard work, I am now able to buy a home! I am getting a FHA loan. The rate is 4.875%. The house is 4 bedrooms, 3 full baths, and a total of 2250 sq. feet. I am so excited! I owe it all to CIC. I am so glad I ran across this site two years ago, because if I would have never stumbled across this site, I would be still renting today with a credit score in the low 500's. My scores are now : EQ- 693 this is my middle score they used, TU- 699, and I'm not sure about EX-688 according to the lender's report, but scoreplus shows 734. Thank you so much!!! Love you all!!!


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Congrats on buying your home.

Very strong suggestion to help you for the future.

Start sending more than the required payment - divide one payment into 12th's, and sent that extra along with your regular payment.

* Knocks 7+ years on mortgage

* Reduces your net effective rate 2.0%

* Best - you get reported as being more responsible, and your credit score goes up!!!!!

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