restrictions regarding the physical
specifications of the home, including later
housing alterations you might make.
Find a realtor through recommendations
from friends, co-workers, family, or by
contacting your local board of realtors to
find a real estate professional in the area.
With expert help, you’ll be able to make
a smart and informed decision about
buying a home – one of the most
important investments you’ll ever make.
Whatever housing option you choose, it’s
critical to be prepared. If you’re buying,
double-check check your credit with credit
reporting companies, and correct any
inconsistencies or errors before applying
for a loan. All financing institutions use a
scoring system derived from a
combination file made up of reports
provided by several credit reporting
agencies. This gives a beacon score that
determines your rate.
The typical entry for fairly good credit
would be a score above 650, with 700 as
an automatic approval. Mortgage brokers
may work with borrowers and assist in
correcting costly errors on their credit reports
that could affect the final interest on the
loan, or even the loan approval.
The Fair Credit Reporting Act (FCRA)
requires each of the three nationwide
consumer reporting companies
(Equifax, Experian, and TransUnion) to
provide consumers with a free copy of
their credit report once every 12
months. Call 877-322-8228, or go to
www.annualcreditreport.com to order.
NEIGHBORHOODS: FINDING THE
PLACE THAT’S RIGHT FOR YOU
Deciding where to live is ultimately a very
personal decision. With the right
relocation professionals, a little
imagination and a lot of legwork, those
new to the area will be able to find the
neighborhood that suits them best.
The metroplex has 10 major metro areas
and 12 counties. Counties include Collin,
Dallas, Delta, Denton, Ellis, Hunt, Johnson,
Kaufman, Parker, Rockwall, Tarrant, and
Wise, and major metro areas include
Dallas, Fort Worth, Arlington, Plano, Irving,
Garland, Carrollton, Denton, McKinney,
and Richardson, with many smaller
communities in between.
While by no means comprehensive,
we’ve included sample neighborhoods
in the largest counties to give you an
overview of the area and an idea of
what you might find in each area –
like a neighborhood or a city’s
personality and area amenities. For
more detailed information, check with