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The Difference Between a Credit Report and a Credit Score

4/28/2025

Are your credit score and a credit report the same thing? Nope. Not even a little bit! But the two are often conflated by consumers.

A credit report takes a detailed look at your finances while a credit score is a numerical rating of your credit report. Think, a teacher grading your English paper.

10 Benefits of a VA Mortgage Loan for Military Homebuyers

3/24/2025

Little girl running towards her military dad.

Getting a VA mortgage loan is one of the most powerful mortgage options available to active military homebuyers as well as veterans and surviving spouses.

What makes this program so popular for military service members? There are significant benefits to a VA loan that can’t be found with conventional mortgages.

Here’s a list of the 10 biggest benefits of a VA loan for active service members, retired, and military spouses.

Why is an Appraisal Required to Buy a Home?

2/24/2025

Whether you are refinancing, selling, or buying a home, a home appraisal is required by the lending institution.

The reason is simple.

The home appraisal determines how much money the bank is willing to lend you. Performed by a third party, a home appraisal gives the lender an estimated market value of the property as well as the condition of the home.

If the appraisal is less than the amount you’re financing, that becomes a red flag, a risk, for the buyer and the lender.

Can You Quickly Improve Your Credit Score Before Applying for a Home Loan?

1/27/2025

Want to make life harder than it has to be? Have a low credit score! A low credit score can make your life harder in more ways than one.

For example, you’ll pay more in interest when applying for a mortgage loan. Plus, the terms will be less favorable.

But is it possible to improve your score quickly? That depends on your definition of “quick.”

Following the tips below, usually you can see a boost within 30 days, but it does take some work on your part.

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What Our Clients Are Saying

Great place to do your home buying with. Tammy knows what she is doing. Carol Ashman

The crew at Lilly Title and Settlement are the best! When they handle a settlement I never have to worry. I never have to ask about the status of a closing because they send me weekly updates and if there is anything I need to know in the meanwhile, they contact me right away. As a busy Realtor that's extremely important. Their knowledge and years of experience are simply unbeatable. In all the years I have worked with them, I have not seen a mistake. Tammy Lilly is meticulous in making sure every document is checked and double checked before it leaves her office. I always trust Lilly Title to operate with total integrity and to always have a positive "can do" attitude! Ed Davis, Realtor

The Difference Between a Credit Report and a Credit Score

10 Benefits of a VA Mortgage Loan for Military Homebuyers

Why is an Appraisal Required to Buy a Home?

Can You Quickly Improve Your Credit Score Before Applying for a Home Loan?

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The Difference Between a Credit Report and a Credit Score

10 Benefits of a VA Mortgage Loan for Military Homebuyers

Why is an Appraisal Required to Buy a Home?

Can You Quickly Improve Your Credit Score Before Applying for a Home Loan?

Author

Archives

Categories

privacy PolicyOLD REPUBLIC TITLE PRIVACY POLICYEARNEST MONEY DEPOSIT

What Our Clients Are Saying

Contact Us

privacy Policy

OLD REPUBLIC TITLE PRIVACY POLICY

EARNEST MONEY DEPOSIT