Need a VA Loan soon and am wanting to boost my score. Should i pay down credit cards to 30% or 20%
Hello SteveThanks for your inquiry and you service! What are your scores? Paying balances down under 30% typically will improve the scores but it is hard to say as it depends on the type of card, length of time you've had the card and overall credit in general. Depending on what size loan you are getting...

First time home buyers... help!
Hi Steven,Not sure what you asking for. Best thing if you want a professional assessment of what you qualify for or options available that best suit your needs and goals is for us to talk. You can reach me at 805-230-3121. Thanks

Best Time to Buy?
Hi Kreal,Your concerns are valid and will more than likely affect many, especially first tine buyers due to the rates rising, your buying power decreases. Now every situation is different, and depending on down, fico, income, etc., the variance of those qualifications will affect buyers...