Donna Calhoun Realtor

New Listing Price: $1,415,000
16189 JOHNS LAKE OVERLOOK DR, Winter Garden, FL 34787 is a fantastic property with 5 bedrooms and 6.0 bathrooms.
See more here: https://propertiesinorlando.com/d8qy9lg7

If you're considering buying. a home, it's important to understand your credit score and credit report, because well, the better your credit score, the better your interest rate.

The two most important factors that determine your credit score, according to major credit scoring companies, are payment history and credit utilization.

✔️ Payment history.
Pay all bills on time! Paying bills late by 30 days or more can affect your scores — and the later you pay, the greater the damage. Pro tip: set up autopay or calendar reminders so you don't miss due dates, or pay all of your bills and credit cards on the 1st of every month. You can also ask creditors to move your due dates so that they better align with when you get paid.

✔️ Credit utilization.
The amount of your credit limit you use, expressed as a percentage, is called credit utilization. Experts recommend using no more than 30% of your available credit.

Other factors that affect your credit score are

• The length of time you have had credit — longer is better.
• The length of time since you last had your credit run or applied for new credit.
• The kinds of credit you have — this includes credit cards, car loans, and mortgages (it's favorable to have a mix).

Have questions about the mortgage process or other factors that influence getting pre-approved? Send me a message — I'd be happy to answer any questions or put you in touch with one of my trusted lenders.

MOTIVATIONAL MONDAY ✨

Discomfort is what happens when we are on the precipice of change. Remember that discomfort is just a sign that you're pushing yourself to new heights and reaching for something you've never had before. Embrace the discomfort and remember that it's a necessary part of the growth process. Without discomfort, we would never challenge ourselves to improve, learn and achieve more.

Big things can only happen when you put yourself out there to make them happen. If you have been waiting for the right moment to do something big, or have been sitting quietly on the sidelines because of the fear of being uncomfortable, it's time to get in the game. Whether it's your job, your relationship or personal life, or even your home, choose to get uncomfortable today in pursuit of something big. So, when you feel uncomfortable, don't shy away from it, embrace it! It's a sign that you're making progress and that you're on the path to something great.

Find comfort in the discomfort, because in the uncomfortable is where growth is achieved.