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E M A I L U S AT N E W S T I P S @ A R I Z O N A R E P U B L I C . C O M O R C A L L U S AT 6 0 2 - 4 4 4 - N E W S ( 6 3 9 7 )
Lending a hand vices. David Atkinson, certified financial counselor at Consumer Credit Counseling Service of Buffalo and member of NerdWallet’s Ask an Advisor network, explains how credit counseling can help with the homebuying process.
Credit counseling helps buyers weather a storm NERDWALLET STAFF
What kind of credit counseling is available to homebuyers?
Buying a home is a complicated process. It’s usually the biggest financial transaction of a person’s life, and often involves taking out a mortgage to pay for the new digs. Paying off such a large debt is a serious commitment, but it’s not the only financial consideration. Saving up for a down payment, improving your credit score, making room in your budget for unforeseen expenses — it can take years to financially prepare for homeownership. So it’s no surprise that there’s a desire for guidance and education. Many nonprofit credit counseling agencies offer counseling for homebuyers as one of their ser-
Credit counseling for homebuyers covers a number of topics, including: Budgeting: Establish a current budget and a budget for after your home purchase. Analyzing your credit report: Determine what steps you’ll need to take to get the best financing on your home. Selecting a home: Assess your income and fiSee COUNSELING, Page 3R
Purchase or Refinance Loan amounts between
• No Points • No Fees • No Closing Costs
Refinance 150,000 to Now! $417,000 $
You don’t have to pay a lot in fees to get a great rate!
480.607.7906
or visit us at scoutmortgage.com 9304 E Raintree Dr., #110 Scottsdale, AZ 85260 Visit us on Facebook
This advertisement is a solicitation by Scout Mortgage, Inc. for a mortgage loan. Loan amounts $150,000 to $417,000. 15 or 30 Year Fixed. Closing Costs paid at closing include title, recording, processing, underwriting, and escrow fees. Prepaid taxes/insurance not included. Good credit required. Owner Occupied homes only. Verifiable income required. Impounds may be required. Consolidating debt may increase rate. Your rate and term may vary. Not all applicants will be approved. Call for details. MB0903218/NMLS# 56553
AR-0008630674-01
NEW RIVER | 46008 North 34th Avenue | CALL TO SEE
PARADISE VALLEY | 6310 North Yucca Road | CALL FOR APPOINTMENT
Brought to you by Those Callaways, Luxury Circle International (480) 596-5751
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AR-0008628252-01
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Brought to you by Sandra Baldwin and Beth Thompson, Launch Real Estate
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