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Monica's 5 Tips to improve credit score



1. Have 3 active trade lines.

2. Automate recurring payments. Avoid late payments.

3. Don't borrow more than 1/2 of allowed credit limit.

4. Don't pay off car loan in advance.

5. Don't be afraid to ask for credit counseling.



Rajeev's Tips for home sellers



  • Find out what your home is worth.
  • ​Figure out if you need to sell first in order to buy.
  • Plan where you want to buy your next home - You might move from Sunnyvale to San Ramon or Fremont to San Jose or Newark to Pleasanton or within a mile from where you live now.. the combinations are endless.
  • Dress your home for sale. Store away extra items.
  • Review/enhance lighting in the rooms.
  • Keep a copy of your loan statement handy. Find out if there will be pre-payment penalty on your loan.
  • Plan selling time frame if you need to (and haven't completed) complete 2 years at the property before you sell.
  • Are there any major repairs required (Roof, property, termite)?


Rajeev's Tips for home buyers



  • Plan the area(s) where you want to buy your home.
  • Prioritize what is important to you in a home (other than price).
  • Estimate your daily commute time to work from the area you plan to buy in.
  • Get your down payment ready. Most lenders look for "seasoning" of funds.
  • If schools are a priority, call to ensure what school the home is affiliated with.
  • Consult a Sr. loan consultant (Monica?) to estimate your monthly payments based upon your reserves, credit score, % down and estimated purchase price.


Need More Tips
For Your Specific Scenario?

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