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Robert Conaway is a licensed Real Estate Agent born and raised in the Central Valley servicing the Central Valley and Bay Area. Prior to Real Estate, Robert spent many years building his craft around business and marketing which he now implements toward his passion: Real Estate. His business is built on Integrity, Passion, and Lifestyle. Aside from Real Estate, Robert loves building websites, cooking and spending time with his family.
LET'S FIND YOUR
LET'S FIND YOUR DREAM HOME
REAL ESTATE EXPERTS
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People Trust Me
We highly recommend our real estate agent Robert Conaway for the first time home buyer program. He’s the best of the best in Modesto. Very trustworthy and provided guidance and assisted us through the entire buying process.
Couldn’t have been happier with my experience with Robert Conaway on my new home purchase. He understood the real estate market and is available on your schedule to look at homes and work through the deal. Awesome experience.
I recently contacted Robert Conaway to find and purchase a home. He was extremely professional, always punctual, very easy to work with, and provided me with peace of mind. Very sharp looking as well!
House Shopping Made EASY
10 IMPORTANT STEPS WHEN BUYING A HOUSE
Step 1: Check your credit score
Before you permit a lender to check your credit score, you’ll want to do a thorough review of your own credit report.
What is a credit report? A credit report pulls data from three major credit reporting agencies: TransUnion, Equifax and Experian. It is the report used to calculate both your FICO score and your Vantage score.
You can get free reports from all three reporting agencies, at least once each year. If you find any errors in your report, dispute them immediately so they can be resolved before you apply for financing.
What is a FICO score? A FICO score is the score lenders use to evaluate your creditworthiness. This is calculated by Fair Isaac & Co. and ranges from 350-850.
What is a Vantage Score? A Vantage Score is the credit score you’ll see when you check your score on consumer-facing credit check websites. Your Vantage Score can vary from your FICO score. Lenders do not use your Vantage Score to evaluate your creditworthiness.
The higher your credit score, the lower the interest rate you’ll receive. Generally speaking, a credit score of 720 or higher will get you a good interest rate on a conventional loan, but qualification criteria depends on the specific lender. For FHA loans, you can usually get approved with a credit score of 580 or higher.
If you’re trying to improve your credit score before applying, you should understand factors that can impact your score:
- Payment history
- Total debt
- Length of credit history
- New credit
- Type of credit