4 Tips on Building a Solid Credit History to qualify for a Pa Mortgage
Establishing a good credit history has never been as important as it is today.It’s not just that you’ll need good credit to get decent rates when you’re ready to buy a home or a car. Your credit history can also determine whether you get a good job, a decent apartment, reasonable rates on insurance or how you qualify for a Pa mortgage. See how you stack up.
Building your credit
If you’re just starting out, you have a once-in-a-lifetime opportunity to build a credit history the right way. It’s a classic Catch-22: You’ve got to have credit to get credit. So where do you start? If you are rebuilding your credit, all of the same issues apply.
1) Piggyback on someone else’s good credit.
2) Apply for a secured credit card.
3) Get an installment loan using a co-signer.
4) Use revolving accounts lightly but regularly.
5) Pay your bills on time EVERY month.
Learn more great credit building tips
What my clients are saying
PLEASE TAKE A MOMENT TO READ OUR REVIEWS BELOW
FROM OUR SATISFIED BUCKS COUNTY, PA REAL ESTATE AND MORTGAGE CLIENTS!
Michael is very genuine & honest . He goes the extra mile & always has your best interest in mind . If i have any additional lending or Realtor needs , Michael will be my first choice !
~ M. Jones, Morrisville Pa
Jill was very knowledgeable and helpful during my first home buying. She answered any questions or concerns I had. She was able to walk me through the process from beginning to end and he never rushed or pressured me to make a decision on the house. I would highly recommend using Jill as a real estate agent
~ Denise L, Bensalem Pa
Jill Kohler is remarkable. Not only did she do her job she went above and beyond to help us with refinancing our home and that in itself was a huge project. Unlike many others she stuck with us and helped us every step of the way to refinance our home. SHE IS DEFINITELY TOP NOTCH IN OUR BOOK! We really can't thank her and her associates enough
~ Jen Biddle, Levittown Pa
Mike assisted me with financing the purchase of a condo. From beginning to end he was very responsive to my needs, extremely knowledgeable and helpful about the real estate market and just a pleasure to work with in general. He anticipated and communicated each step in the process of mortgage financing and made it easy for me to understand and qualify for a mortgage. I would work with him again in a heart beat and strongly recommend them to anyone shopping for real estate or a mortgage. Thanks Mike!
~ Bob M, Yardley Pa
Jill is a great person to work with. We refinanced our mortgage and Jill was very persistent on getting everything done. The entire process took about 5 weeks from beginning to end. She knows her stuff and answered any questions we had. I would highly recommend working with her.
~ Dawn S, Fairless Hills, Pa
Jill was awesome to work with. She told us what we needed up front things went as smooth as possible. Jill would always keep us in the loop never a guessing game. Thank you so much.
~ Frank B, Langhorne Pa
Mike and Jill Kohler are the ultimate professionals in the real estate world. Mike and Jill guided us through the entire home-buying process from beginning our search, to understanding our price range (based on credit and income), to finding houses for us, to scheduling walk-throughs and taking us to the houses (sometimes 6 or 7 in a night), to evaluating the properties (to ensure it is worth what they were asking), to making the offer, to finding the best mortgage rate and walking us through the mounds of paperwork, and helping us through all the inspections and requirements that lead to settlement. Buying a house is not an easy process and Mike and Jill Kohler made it as simple and pain-free as anybody could and we could not have asked for a better team!!
~ Jim & Wendy, Bensalem Pa
Mike is a very personable, trustworthy professional. I have worked with him in several capacities over the past 20 years and have appreciated his professionalism, confidence and overall good nature.
~ Bill D, Langhorne Pa
I have talk to Mike several time for advise and he was honest and very knowledgeable on my situations. I would recommend him because he walks you through without making you feel confused.
~ M Deon, Yardley Pa
I was a first time buyer and Jill made it as easy as can be. It was overwhelming but she guided us through to the best of her abilities. Her honesty was key and made me feel very comfortable. The process of buying a home was all brand new to me and without her guidance I would have been lost. She was very professional and new all about the information I had questions with. I would recommend her to anybody when buying a home.
~ Anthony B, Levittown Pa
I have worked with Mike on several occasions. Both with helping to finance my primary residence, but also to seek advice on refinancing, and the possibility of purchasing other properties. I have always enjoyed working with Mike and he has become a trusted advisor. I highly recommend him!
~ John K, Upper Makefield, Pa
The entire process of buying a house, even when you've done your research as I had done, can be unavoidably frustrating and nerve wracking. Jill was there to walk us through every stage, from the agreement of sale, to building inspection, repair requests, to final walk-through, to settlement day. Being a person who does everything in advance, Jill was there to calm me down when I was frustrated by sellers who were, in my eyes, slow to respond. She was continuously an integral part of the process, always pushing the sellers and their agent for the information we needed.
Having met 3 other real estate agents in the past, I can say undoubtedly that if you want to find a house that meets your needs, that Jill Kohler is the best person for the job. She's more concerned about your needs as a buyer, than trying to pressure you into buying something you don't quite want.
~ Jimmy Mac, Levittown Pa
Jill, I cannot thank you enough for all of your hard work. You listened to what I wanted. We worked out a plan and were able to accomplish my goals. You made the process simplier than I could have imagined. And the communication was amazing. I will definitely refer you to my friends and family. Thank you for everything.
~ Wendy W, Langhorne, Pa
Jill was truly a godsend! She helped us sell my elderly in-law's home, which wasn't easy since we live an hour from the property. No task was too big or small to help us sell in a timely manner. Jill had a strong grasp of local real estate markets, and helped us price and market the property quickly. She also kept an eye on the house in our absence, and kept us informed every step of the way. We simply can't recommend Jill more highly!
~ S Fiorentino, Langhorne Pa
Jill and her husband helped me through a very tough time selling my mother's home. Being a good real estate agent is a great thing and they both were but it is even better when they really support you through it as well. I would highly recommend them.
~ Chris S, Langhorne Pa
We were lucky to find Jill. We had a house floundering on the market (as plenty were at the time) and decided to change realtors. We gave Jill a call. She gave us great advice on staging and even provided us with some of her own things to help with the staging process. She took great photos of our home and we had the house sold a short time later. My husband calls both Jill and Mike with questions about real estate and they are very knowledgeable and always available to us and we really appreciate it! I would recommend Jill Kohler to anyone looking to buy/sell a property.
~ Joann O, Levittown Pa
Jill did a great job understanding exactly what I was looking for. She arranged a full day to see numerous properties that met my requirements. We found the perfect property the first day that we started looking.
~ Tim K, Yardley Pa
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