InFocus Property Solutions

04/04/2024

Homeowner Tip!

Don't skip the inspection! It's important for you as a buyer to know what is there and what isn't there! The inspection helps save you from any surprises that may be hiding in your new home!

04/01/2024

A few things I need you all to stop doing when you're trying to clean your credit for a home or other purchase.

Stop: Disputing everything with no strategy or process. If these accounts are yours this can back fire on you in the long run.

Stop: Starting credit repair and then stopping. Get in and stay the course. Everyone's process is different so timing can be variable.

Stop: Listening to random credit repair people on social media without checking the facts for yourself. There's a reason many of them end up behind bars.

And start your free consultation today for help with your credit repair goals!

03/20/2024

Calling all real estate agents!

What if I told you it's possible for you to take home double at the closing table all while multiplying the value you bring to your clients?

But there's no heavy lifting! Contact us today so you can start your journey of more income and servicing your clients more efficiently.

03/18/2024

At Infocus, our goal is to help bridge the gap in homeownership for minorities and even millennials. The stats from the National Association of Realtors says were moving but not quite at the rate we all desire.

This is why we are helping with loans every day!

This is why were signing new Mortgage Loan Officers every day!

We are looking for people like you who want to help their community by becoming your family and friends go to Mortgage Loan Officer.

03/15/2024

How long has your home been in your family?

How do you manage the surprise repairs?

Do you invest into your home?

Is your house clean?

Crazy questions until you ask God for an upgrade.

Do your part and He will always do His!

Just a little food for thought on this Friday! Enjoy!

03/13/2024

The preapproval process can be so daunting when you don't have help! That's why we have MLO's to help you through the process and keep you comfortable in your journey!

Contact us today.

Alexis Mitchell-Mortgage Loan Originator
NMLS #2564277
(P) 317-926-2129
[email protected]
Capital Federal Credit Union
Corporate NMLS # 2288260

03/05/2024

01/18/2024

Let's stop judging people for having low or bad credit and start helping them instead!

We’re here because we understand that credit is the key!….Keys to the house you want!…. Keys to the car you want and much more!

We have a proven method with attorneys ready to save your credit!

So, let's do this, if you know someone who is house hunting or car hunting or wanting business loans ect, share this post, drop a key in the comments and lets help each other!

01/15/2024

We are not walking through 2024 with low credit, bad credit or no credit!

The goals you have for this year should include leveling up your credit!

If you want to live your best life in 2024 with the home you want, the cars you desire and everything your family needs, you need to contact us today.

Send me a DM! Get more info! Let us help you!

01/12/2024

What's your piece of the pie?

Contact us today so we can take you from "poor" to "exceptional".

01/10/2024

📊 Understanding Your Credit Score:

A higher credit score isn't just a badge of honor; it opens doors to better loan terms, and favorable interest rates.

🏦 Payment History (35%): This is one of the most significant factors in determining your credit score. It reflects how consistently you've made payments on your credit accounts, including credit cards, loans, and mortgages. Timely payments on credit accounts are the wind beneath your credit score's wings, while late payments, defaults, and bankruptcies can cause turbulence.

🏦 Credit Utilization (30%): This factor considers the ratio of your credit card balances to your credit limits. Keeping your credit card limit well below it's limit, below 30%, demonstrates responsible credit management and can positively affect your score.

🏦 Length of Credit History (15%): The length of time your credit accounts have been active plays a role. A longer credit history is generally seen as more favorable, as it provides a clearer picture of your borrowing behavior.

🏦 Types of Credit (10%): This aspect looks at the various types of credit you have, such as credit cards, installment loans, and mortgages. A diverse mix can be beneficial, but don't open new accounts just to improve this factor, as it could negatively impact your score in the short term.

🏦 New Credit (10%): Opening multiple new credit accounts in a short period can suggest financial instability and may lower your score. Each new credit application casts a spotlight on your credit report, temporarily affecting your score.

🏦 Public Records and Derogatory Marks: Negative information like bankruptcies, foreclosures, tax liens, and collections can significantly harm your credit score.

🌐 Each credit bureau - Experian, Equifax, TransUnion may weigh these factors slightly differently, and your credit score can vary among the different credit bureaus based on the information they have about you. So it is important to keep an eye on your credit reports and ensure mistakes are corrected.

We can help you today! Contact us!

03/16/2022

🏠So your dream is to build your own home!

🛠Well there are a few important questions you want to cover to make sure you choose the right contractor and build a home you will have forever!
Image source Florida Realtors