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Gerald Lucas

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Gerald Lucas

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5 Keys To Qualify For A Mortgage Loan, Strategy To Find The Best Renovation Contractor, Mortgage Rates Move In An Unexpected Direction

August 19, 2025 Gerald Lucas

5 Keys To Qualify For A Mortgage Loan

Real Estate Tip:

Get at least 3 difference contractor estimates on any real estate renovation projects you are considering taking on. Make sure each estimate is for exactly the same scope of work so you can make an apples to apples comparison.

Real Estate News:

The average rate on a 30-year fixed mortgage declined to 6.58%, the lowest level in 10 months.

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Tags Gerald Lucas, real estate tips, real estate strategies, debt-to-income ratio, credit score, employment history
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Will Late Rent Payments Hurt Your Credit?, Contractor Strategy You Need Before You Buy A Property That Needs Renovations, Incentive-Based NJ Zoning Reform

March 4, 2025 Gerald Lucas

Will Late Rent Payments Hurt Your Credit?

Real Estate Tip:

Confirm your contractor's availability to work before you commit to buying a property that needs extensive renovations and make sure you have backup contractors that can fill in if things don't work with the contractor(s) you hire.

Real Estate News:

NJ state lawmakers are hoping to create new housing in New Jersey with an incentive-based approach, unveiling a bill that would boost aid to municipalities that update their zoning to allow for higher-density residential development.

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Tags Gerald Lucas, real estate tips, real estate strategies, credit report, credit score, rent payments, landlords, credit bureaus
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Credit Score You Need To Buy A Home, The Perils Of Renting To Family & Friends, Housing Inventory Continues To Move In Which Direction?

August 20, 2024 Gerald Lucas

Credit Score You Need To Buy A Home

Real Estate Tip:

It's generally not a good idea for landlords to rent to friends and family--mixing business and family can be very painful and costly in many ways.

Real Estate News:

With 36.6% more homes actively for sale than this time last year, July marked the ninth consecutive month of housing inventory growth across the US.

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Tags Gerald Lucas, real estate tips, real estate strategies, credit score, mortgage, conventional loan, USDA loan, VA loan, FHA loan, jumbo loan
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