FIRST TIME FORT HOOD BUYERS - If you don't know your credit score, and you want to buy a house at Fort Hood, Texas, you may be in for a shock! Those actions that you think are just innocent financial decisions can have a huge NEGATIVE impact on your credit score.
Knowledge is power! So read on:
Gabrielle Rhind has a timely blog post that I want to share with you. Via Gabrielle (Kamahele) Rhind, Associate Broker (Tierra Antigua Realty, Tucson AZ Real Estate):
With anxious Tucson home buyers yesterday, I saw the lender's smile turn to a scowl as she reviewed their credit report. Clearly, the Buyer's "forgot" to mention a few things. When the lender asked them about late payments on two credit cards, the Buyer's responded,
"We didn't care to pay it- it's just a piddly $17.00 a month." Oh. Okay. Hmmm.
The lender, now looking at her watch, sharply said, "Well if you don't care to pay $17.00 a month how do you intend to convince me you are going to pay $600.00 a month?"
So yes, if you want to buy a home and get a loan - it's a good idea to care about that "piddly" monthly payment. Especially if you have a bankruptcy or other issues on your credit report.
If you are unsure about what your credit position is and you want to purchase a home - the first thing you need to do is make sure you know what "good credit" is:
Call and meet with a lender. They'll be honest and tell you point blank if your credit is good and what you need to do to fix issues if it isn't good.
If you are self-employed, keep in mind, the "income" lenders use is what you report and file on your income tax returns.
Once you've made the commitment to buy a home and fix your credit -- DO NOT go out and start buying more things. Especially big things likes cars, TVs, etc.
Don't get frustrated. Your credit didn't get bad overnight and it's not going to get fixed overnight. It will take discipline and patience.
Stop searching the Internet for homes until you are ready to buy. This will only disappoint and discourage you from staying focused on what you need to do first. Keep in mind - there will always be a great deal on the perfect home for you!
And - pay all your bills on time and every time!
Buying or selling Tucson real estate, Mt Lemmon, Tucson bank-owned homes, Tucson rental homes, or Tucson lease option homes? Visit www.BuyMyTucsonHome.com.
Find out what your neighbors house really sold for ~ what your home is worth ~ or search for your own Tucson home!
This blog is written with my opinions and my opinions are presented with accuracy but not guarantees. Please talk to a professional before making any real estate, financial or agency decisions. Gabrielle (Kamahele) Rhind - 2009. If you want to reprint parts of this - just email me for my permission rhindohana@msn.com or TucsonsRealEstate@gmail.com.
Jerry said after reviewing contracts for 2009, he has decided that his goal this year as a new home builder is to "make it easy for everyone".. meaning making it easy for buyers AND for their realtors! He's outfitting every home with the most requested upgrades of granite countertops, lawn sprinkler systems, full yard sod, and privacy fencing. He will also be paying for all the buyer's closing costs, prepaid reserves, title insurance and for the property survey. And he said as far as he is concerned, buyers can use any lender, as long as their loan fees are in line with what local lenders charge!
Before you finally make your offer on the perfect home, hit the road and check the actual Fort Hood commute time from your new home to the gate you will use to access Fort Hood. 
erry Wright Homes
To be certified as an Energy Star Home, a new home must have effective insulation, high performance windows, tight construction and ductwork, efficient heating and cooling systems, AND be tested and inspected during construction by a certified third party inspector. Jerry Wright Homes are inspected by Steve Rinehart, Real Estate Inspector from Harker Heights, TX. You can read more about the required independent inspections and testing that assures your new Jerry Wright Home is an energy efficient Energy Star Home by following this link to 
Many buyers have seen last minute mortgage-settlement cost shocks and mystery junk-fee charges that pop up last minute or the "good-faith estimates" from lenders saying that closing costs would be about $2,000, but doubled to $4000 on the final settlement sheet. Worse - the Buyer had to come up with the extra money to cover the surprise costs or the sale or refinance just isn't going to happen. 
Before you buy Fort Hood real estate in any area, take time to check into the performance ratings of the schools that serve the area you are considering, whether you are targeting Killeen, Copperas Cove or Harker Heights. Even though you don't have children in school, the next buyer might! A great home in a so-so school zone will take longer to sell, so plan ahead and buy a home in a great performing school zone. 
Checking out the crime statistics for Killeen, Copperas Cove and Harker Heights TX is one of the most important calls you need to make before you buy a home at Fort Hood. The Killeen, Copperas Cove, Harker Heights area is dotted with many very different neighborhoods. Riding around and looking at all the different areas might give you an idea of where you want to live, but go a step further and call the local police department. They will be happy to give you the crime statistics for your target neighborhood. 
There's nothing worse than buying too much house, so before you sign on the dotted line to buy your piece of Fort Hood real estate, spend some time working on a realistic budget that includes the expenses involved in owning a home.
First time buyers who are looking at Fort Hood real estate want to know how to be prequalified, what it means and how it works.