Your Lane County Home Loan Information Guy

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Mortgage and Lending - Senior Loan Officer at US Bank Home Mortgage - NMLS # 273204
 Let me give you a short list of how much low credit scores can cost when it comes to a home loan: 1. You may never own a home, again, or you will have to wait, maybe for years This is a very real possibility whether your low credit scores are because of the recent economic downturn or because yo...
  If someone is interested in buying a home, it is of the up most importance that they make every effort to increase their credit scores before they start the process, or at least very early in the process. This is even more important if they already know that there are some issues that they will...
 There are many reasons why someone has low credit scores. Many times, it is because a person lacks discipline or structure in their life. Because of this, they do not pay their bills on time or curb their spending. Other people have challenges come into their life whether it is a loss of a job, ...
Thanks to a suggestion from Donna Foerster of Keller Williams Action Realty, I will tell everyone out there about myself. This is not easy for me to do but here goes. The Past: My father was in the military so I grew up all over the world. I attended 12 different schools; 5 Elementary schools, 4 ...
There are five factors that make up the credit score. They are listed below in order of importance and impact to a persons credit score: Payment History: 35% impact.Paying bills on time and in full has a positive impact. Late payments ("late" means 30 days or more), judgments, collections and cha...
 Credit scoring has a huge impact on a person's ability to purchase a home. Your credit score will mean the diference between a great interest rate and the home you have been looking for, or whether you will qualify at all. That is why it is so important that people know and understand credit sco...

Jon Cagle

Lane County Oregon - Direct FHA, VA, USDA Lender
local_phone(541) 744-9749
smartphone(541) 913-3999
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