When you apply for a mortgage, you will need to furnish information regarding your income, expenses and obligations. It will save time if you have the following items available:

	Two most recent pay stubs
	W-2s for the last two years
	Federal tax returns for the last two years
	Last two month's bank statements
	Long-term debt information (credit cards, child support, auto loans, installment debt, etc.)

Repairing Past Credit Problems

Have you had situations in the past that have put blemishes on your creidt? There are many reasons why credit problems occur. Some explanations are:

	You were a co-signer on a loan that wasn't paid on time
	You allowed someone else to use your credit cards
	You may have thought your spouse paid the bill
	You thought your insurance company was going to handle the payment
	You are divorced but your former spouse had credit problems

Some lenders will work with you to find a credit solution. They have special programs and financing options that allow you to get a mortgage even with minor credit blemishes. However, it is in your best interest to keep your credit report in good standing. Here are some helpful hints for your credit report:

Never go over 90 days past due on any accounts

Keep your credit card debt below 50% on your monthly obligations

If paying bills after the due date, always pay within the grace period.

Click Here for a Map of the Area.

All information has been provided by Seller or other sources and has not been verified by Broker.
All interested persons should independently verify the accuracy of all information.

Homes listed in "Homes For Sale" are current listings. Inventory is moving so fast that these homes may have been sold. Other homes illustrated on this site are for demonstration purposes only. They are meant to show what types of homes are available in the area.

The Material on this site is provided solely for informational purposes and does not constitute an offer to sell, rent or advertise real estate outside of the State of California. Katie Gilchrest and the RE/Max Gold are not making any warranties or representations concerning any of these properties, including their availability. Information at this site is deemed reliable but not guaranteed. For more information, please visit our legal page."

Helping you buy and sell real estate in:
Antelope, Auburn, Cameron Park, Carmichael, Citrus Heights, Colfax, East Sacramento, El Dorado Hills, Elk Grove, Fair Oaks, Folsom, Foresthill, Gold River, Granite Bay, Grass Valley, Laguna, Lake of the Pines, Lincoln, Loomis, Meadow Vista, Nevada City, Newcastle, North Highlands, Orangevale, Penryn, Placerville, Pocket/Greenhaven, Rancho Cordova, Rancho Murieta, Rocklin, Roseville, Sacramento, Serrano, Shingle Springs, South Land Park, Sun City Lincoln Hills, Sun City Roseville

All materials on this Web Site (as well as the organization and layout of the Site) are owned and copyrighted by Katie Gilchrest. © Copyright Katie Gilchrest, 2000. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials on this Web Site is permitted without the written permission of Katie Gilchrest.
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Send mail to Katie Gilchrest. with questions or comments about this Web Site.