Karyl and Jennifer, Real Estate Team - Coldwell Banker Burlingame

07/16/2026

Credit scores are used as a screening mechanism in a wide variety of contexts, and they certainly affect how much you pay for a home loan. If you want help boosting your score, please call us. We will connect you with someone who can tell you exactly what to do.

07/04/2026

May your day sparkle with food, fireworks and fun!

02/10/2026

It's so easy to make a mistake! When you are buying a home, even small changes to your credit or finances can interfere with your ability to get a loan. It is important to work closely with your lender to keep from shooting yourself in the foot. It is also important to work with a skillful agent who can guide you through the entire home buying process and bring your purchase to a successful close. Call us today!

12/16/2025

SMALL BUT IMPACTFUL! This article contains small but meaningful design changes that can enhance a space by adding to their beauty, their functionality, or both. Best of all, you can do them yourself!

Not all home upgrades have to be expensive and require a full team of contractors to execute the job. These home improvement projects are inexpensive and easy to do on your own.

10/31/2025

TREAT US this Halloween by calling for our help in buying or selling a home. We will make it exceptionally easy for you and take all of the scare out of it!

08/25/2025

We've been busy! In recent months we have had the privilege of representing several friends in the sale of their homes. These homes were located in Burlingame, Hillsborough, San Mateo and South San Francisco.

We appreciate the confidence our friends show in us and do everything in our power to be worthy of it. We look forward to earning your trust as well.

12/28/2024

10/27/2024

𝑯𝑶𝑾 𝑰𝑺 𝒀𝑶𝑼𝑹 𝑭𝑰𝑪𝑶 𝑪𝑨𝑳𝑪𝑼𝑳𝑨𝑻𝑬𝑫?

Lenders rely heavily on your credit score and the information in your credit report to determine whether or not to give you a financing for big purchases like a home or car. FICO scores range from 350 to 850. The pie chart shows the five major factors that are considered when calculating your FICO score: payment history, amounts owed, length of credit history, new credit, and your credit mix.

To improve your FICO score, here are some key ways:

1) 𝐌𝐚𝐤𝐞 𝐭𝐢𝐦𝐞𝐥𝐲 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬: Pay your bills on time and in full.

2) 𝐊𝐞𝐞𝐩 𝐲𝐨𝐮𝐫 𝐜𝐫𝐞𝐝𝐢𝐭 𝐮𝐭𝐢𝐥𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐫𝐚𝐭𝐢𝐨 𝐮𝐧𝐝𝐞𝐫 𝟑𝟎%: Your credit utilization ratio is the ratio of credit you are using to the total amount you have been extended.

3) 𝐋𝐢𝐦𝐢𝐭 𝐭𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫 𝐨𝐟 𝐧𝐞𝐰 𝐜𝐫𝐞𝐝𝐢𝐭 𝐚𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬: Too many new applications in short amount of time can hurt your score.

It is worth the effort to work on improving your credit score. Your FICO score influences whether you are approved for financing and whether the bank will give you a favorable rate. Use the above tips to increase your score and boost your prospects of getting approved the next time you apply for a loan!

07/22/2024

Real estate has not only provided Americans with a source of stability and control, it has been a powerful generator of wealth as well. Check out the stats!