Your Budget

Employee Benefit Program

Financial Services - Real Estate Your Budget and How Do I Afford My Home

Home Affordability:

1. How to prepare and manage a home budget.

2. Free Budget Analysis Worksheet in Excel Format.

3. Free 30-Minute Consultation and Personal Review of Your Budget.

4. When Should I start a Savings Account to Purchase a Home?

5. When Should I start a College Savings Account for Our Children?

6. Credit Analysis, How do I improve My Scores?

1) Credit Myths and What Should I be doing?

2) Closing Accounts? NO!

3) 0% Balance Transfers, are They Good for Me?

4) Open Lines of Credit. Can they be Good for Me?

5) Collection Account, Can it really hurt My Credit?

6) Late Payments Can’t be All That Bad?

7. DO NOT LET ANYONE RUN YOUR CREDIT. IT CREATES A “HARD HIT” ON YOUR REPORT, WHICH LOWERS YOUR FICO SCORE.

8. Protecting Your Credit and Reputation.

9. Credit Cleanup, Is It Real or Is It a Fallacy? There are many services available to help you with your credit that are honest and straightforward. Beware of fraud and false promises.

We see hundreds of credit reports in a year and we can advise you on the direction you must take to improve your scores and protect your credit.

One of our Mortgage Planners is available to assist you by calling (805) 480-9222. You can also email; randysenzig@tomortgage.net.

Thousand Oaks Mortgage - 2318 Yew Dr. - Newbury Park, CA 91320
Office Phone: (805) 480-9222 Fax: (805)480-9722 Cell Phone: (805) 490-4024

California Department of Real Estate License # 01296269

We lend in the following states: CA