Melissa Uwadiale Loan Originator NMLS # 381878

Open House today from 12pm - 3pm 1/19/2019. Beautiful home in Victorville. I’ll be here with my realtor @sheresejackson. Come on by!

Open House Today 2.2.19 from 12pm - 3pm in La Verne. Come by and check it out. I will be there to answer any questions you have about the loan process. My realtor @sheresejackson will show you all the beautiful features of the home. Contact me for more details. See you soon

Open House today from 12pm - 3pm 1/19/2019. Beautiful home in Victorville. I’ll be here with my realtor @sheresejackson. Come on by!

How to maintain a good credit score When you are applying for a loan, the first thing lenders will do is check your credit score and this will have a strong i...mpact on their ultimate decision. So what is your credit score and how do you maintain a good score that will impress lenders? The five elements of your credit score Your credit score is a three digit number designed to indicate how likely you are to meet your credit obligations. Lenders will look at your score to decide whether they are prepared to give you credit for a loan. The score is calculated based on five elements of credit history information your payment history, your level of debt, your credit age, your mix of credit and enquiries. You could look at your credit score like a school grade, where different subjects have different weighting on your overall mark. Pay your bills promptly Payment history makes up 35% of your grade. This is based on your ability to pay your bills promptly, and any history of late payments, collections or bankruptcy will have a negative impact on your score, particularly if they are recent. For a good grade in this subject, make sure you maintain a history of paying your bills on time. Minimize your debt Debt level makes up 30% of your score. Your level of debt is compared to your credit limits to calculate what is called your credit utilization. If your credit utilization is high, then your level of debt is close to your credit limit, making you a bad risk. In simpler terms, this just means to keep your credit balance low in order to reach a higher credit score. For example, if you have a $1000 credit limit on your credit card, don’t exceed a debt of $300. If you have numerous lines of credit, try to pay some off or consolidate them, so you are not juggling too many debts. Don’t close your first credit card account Your credit history makes up 15% of your score. A longer credit history will result in a higher score, as this provides more information about your ability to manage your finances. So rather than closing your oldest credit card account, keep it open to demonstrate your long term credit history. Limit your credit applications Inquiries, which are worth 10%, refer to the number of credit applications you have made in the last year. An excessive number of applications can negatively impact your score as it looks as though you are taking on too much debt or you are desperate to be approved for a loan. The final 10% is based on your mix of credits, which refers to your ability to successfully manage a mix of credit accounts. However, this is only considered important if there is insufficient information available from the first four categories. Check your credit score Even if you are sure you are doing everything right, it is prudent to check your credit score before you start applying for loans. You might find a way to improve your credit score and increase your chances of securing the loan you want. Another good reason for checking your credit score regularly is to ensure that there is no inaccurate information stemming from credit card fraud or identity theft. When you check your score regularly, you can confront issues like this immediately. Contact us today if you need help finding out your credit score or learning how to improve it based on your circumstances.

Managing your credit is easy with proper planning. Credit tip of the day. Let's talk and see how we can get your finances to a comfortable place for you. #mortgage #colonialmortgage #yourlender #loan #homeloan #credit #creditcard #finances

The Dream Team - Mortgage Advisors Jessica Sintek Matthew Sintek. Open House Today 12/1 and 12/2 from 12-3 pm. I will be there to answer any questions you have about financing! See you there!

Great news! This is a BIG DEAL for YOU!. Find out why. Contact me now and we can get you into an amazing home! #mortgage #loanlimits #realestate #morehome #loans #yourlender

Lots of debt? No problem. Let's work on a plan to get you on the right track and get you into your new home! Contact me now to see how I can assist you! #mortgage #loan #loanoriginator #credit #creditrepair #financialplanning #homeownership #realestate #yourlender

Open House today in Riverside. Come by and see these beautiful homes and answer any questions you have about financing. I will be here until 4pm. Stop by and check it out!

Open House Friday 11/16 & Saturday 11/17 from 1:00-5:00 PM Amazing newly remodeled home in Bloomington, CA. Contact me now for more information on the property and to schedule a time to view.

Let me help you finance the Perfect Home for you! Contact me now for more details. #mortgage #loans #loanofficer #realestate