Use Your Credit Occasionally

Max’s (Our Mortgage Expert) Tip: You need to use credit occasionally. I did a pre-approval for someone who makes a lot of money. However, the rate he qualifies for at par is higher than the going average and if his credit score was 8 points lower, we couldn't do the...

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Higher Down Payment Equals Lower Rate

Max’s (Our Mortgage Expert) Tip: To get a good mortgage rate, you will want to make a higher down payment. The larger the down payment, the less risky the loan is for the mortgage lender. As they believe you are a low risk lender, they will sometimes give you a lower...

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The Higher Your Credit Score, The Better

Max’s (Our Mortgage Expert) Tip: The higher your credit score, the lower your interest rate on the mortgage. Check your credit report a year or so before buying a home. That gives you time to correct errors in the report and change ways you use credit to improve your...

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(281) 313-6683

Baker Mortgage
1 Sugar Creek Center Blvd., Suite 945
Sugar Land, TX 77478

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