Frozen Credit Files

Frozen Credit Files

After the latest Equifax data breach more and more consumers are opting to freeze their credit files to help prevent fraud. Not a bad idea. BUT that could cause problems when applying for a mortgage loan. If you have frozen your credit file at any of the credit bureaus, be sure to discuss that with your lender at the very beginning of the process and follow his/her instructions. Your lender will need to check your credit initially and possibly during the loan process. So you'll most likely need to keep it unfrozen while you're going thru the loan process.

Whenever you are ready, here’s some ways that I can help with your real estate goals:

1) Free Access to search the Denver MLS for all homes currently on the market: Denver Home Finder Service Property Search

2) Join me for a home tour - Home tours are Monday thru Saturday at 2:00 pm or 6:00 pm - choose your tour here

3) Request a specific search that sends all the homes that meet your parameters as soon as they come on the market - that way you can beat others to the best homes. Send me an email with "specific search" in the subject line and your wish list - Price range, school district, style, minimum number of bedrooms, etc. - Vickie@DreamsCanHappen.com

4) Receive a Home Loan Report –There are so many different loan programs. Do you need 20% down payment to purchase a home? Are there special programs for first time home buyers? What does CHFA mean? What's the difference between a FHA loan and a Conventional loan? Send me an email - - Vickie@DreamsCanHappen.com with "Home Loan Report" in subject field and I'll send it right over.

Also….check these out??

Denver Home Finder Service

Denver Home Seller Service