Hello Carly! Thank you for sharing the details about your situation. I understand that youre looking to find a home that can better accommodate your growing family. Here is and outline for which I can share actionable steps to help streamline your search and minimize any unnecessary costs:Understand Your Financial PositionTarget the Right PropertiesPre-Qualify Before ApplyingTimeline and Suggested Next StepsI would recommend that you begin your application process in December. I would help you t...

Hello Carly! Thank you for sharing the details about your situation. I understand that youre looking to find a home that can better accommodate your growing family. Here is and outline for which I can share actionable steps to help streamline your search and minimize any unnecessary costs:Understand Your Financial PositionTarget the Right PropertiesPre-Qualify Before ApplyingTimeline and Suggested Next StepsI would recommend that you begin your application process in December. I would help you to work on strengthening your application. This includes any possible credit improvements, gathering necessary documents, and drafting explanation letters.Also, you may want to consider a brief consultation with a legal expert regarding the 2016 charge, to ensure all documentation is in order. Im committed to helping you find the perfect home for your family. Please feel free to reach out with any questions or to meet up so we can see if we are a good fit to work together. I can help you get started on any of the summary items I listed above and provide you with detailed actionable steps. Many of them you can start working on now so that you won't have to stress. My plan would also help you feel more confident and prepared. I have detailed steps on how to move forward in your search for a rental home. I can be reached at 832-334-7030

Hi Carly! Since you are not moving until February, you have plenty of time to boost your credit scores a little bit. There are a few steps you can take to do that. I would NOT suggest going to a credit repair company. You should start with obtaining a copy of your credit reports (one from each credit bureau) or the free 3-in-1 that every person is entitled to once per year. Make sure there are no errors and correct any mistakes you see. You also want to minimize your revolving debt as much...

Hi Carly! Since you are not moving until February, you have plenty of time to boost your credit scores a little bit. There are a few steps you can take to do that. I would NOT suggest going to a credit repair company. You should start with obtaining a copy of your credit reports (one from each credit bureau) or the free 3-in-1 that every person is entitled to once per year. Make sure there are no errors and correct any mistakes you see. You also want to minimize your revolving debt as much as possible. Pay everything you can towards your credit card debt, for example Your goal is between 10-30 percent of your available balance for each credit card. For the charges, you can write a detailed letter explaining your side of the story and that should suffice, especially since there was no conviction. Your best best is to work with a realtor, as they can make sure you don't have to pay any application fees until your application is accepted. That way you're not paying an app fee for every application you submit. If you easily clear 3x the rent, you should be good, but you may have to pay a little extra deposit. Hope this helps! Please let me know if we can help you!

Carly,I specialize in leases and would love to help you and your family. It is too early to start looking since you want to move in Feb 2025. I always recommend my clients to start the process two months before they want to move in since most landlords DO NOT hold homes for longer than 30 days; and some don't even hold homes for longer than 21 days. I would recommend to start saving some funds because most likely you will have to pay 2 deposits in order to make your application attractive since ...

Carly,I specialize in leases and would love to help you and your family. It is too early to start looking since you want to move in Feb 2025. I always recommend my clients to start the process two months before they want to move in since most landlords DO NOT hold homes for longer than 30 days; and some don't even hold homes for longer than 21 days. I would recommend to start saving some funds because most likely you will have to pay 2 deposits in order to make your application attractive since you have credit issues and your fiance's situation. Don't hesitate to reach out if you have any other questions. You can text me or call me at 832-903-0490

Carly, it sounds like you have already experienced denial after applying for rental property. A realtor can definitely give you advice but cannot promise you a landlord will accept your application. Most private landlords will review your application, income and credit history and give you a pre-approval prior to you paying your application fee. This process still does not guarantee approval. Landlords as well as property management services have their own rental requirements. Having a realtor r...

Carly, it sounds like you have already experienced denial after applying for rental property. A realtor can definitely give you advice but cannot promise you a landlord will accept your application. Most private landlords will review your application, income and credit history and give you a pre-approval prior to you paying your application fee. This process still does not guarantee approval. Landlords as well as property management services have their own rental requirements. Having a realtor represent you can help review requirements and try to avoid unnecessary fees. Most realtors can make connections that you may not be able to make with the listing agent or landlord. Providing upfront information on your application is definitely a plus. Leaving out details such as rental history or criminal records could cause unnecessary application fees. Hope this helps you decide on a realtor to help you with this process.

Hi Carly, When you're looking to rent a home with your family, especially when you have concerns about credit history or a past charge, it's important to approach the process strategically to avoid unnecessary expenses and improve your chances of getting approved. Here are some key steps and advice to consider:1. Be Upfront with Potential Landlords - Disclose the Dismissed Charge: While the charge from 2016 was dismissed, it may still show up on background checks. It's better to be upfront wit...

Hi Carly, When you're looking to rent a home with your family, especially when you have concerns about credit history or a past charge, it's important to approach the process strategically to avoid unnecessary expenses and improve your chances of getting approved. Here are some key steps and advice to consider:1. Be Upfront with Potential Landlords - Disclose the Dismissed Charge: While the charge from 2016 was dismissed, it may still show up on background checks. It's better to be upfront with landlords or property managers about this and explain the situation. Many landlords appreciate honesty and may be more willing to work with you. - Highlight Your Rental History: Emphasize your strong rental history. You've never been late on rent since 2021, which is a strong point in your favor. Provide references from your current landlord to back this up.2. Prepare Your Financial Documents - Proof of Income: Since you make more than 3x the rent, gather all necessary documents to prove your income, such as pay stubs, tax returns, or bank statements. - Credit Explanation: Prepare an explanation for your fianc's poor credit. If there were specific reasons for the credit issues, like medical bills or unemployment during COVID, explain these circumstances.3. Consider Working with a Real Estate Agent - A real estate agent can help you find rental properties that are more likely to accept applicants with less-than-perfect credit. They can also advise on which landlords are more flexible regarding past issues.4. Private Landlords - Private landlords are often more flexible than large property management companies. They may be more understanding of your situation and willing to rent to you based on your income and rental history rather than credit score alone.5. Minimize Application Fees - Pre-Screen: Before applying, ask landlords or property managers if they have strict credit requirements and if the past charge would be an issue. This can save you from paying unnecessary application fees. - Offer to Pay a Larger Deposit: Sometimes, landlords are willing to overlook credit issues if you can offer a larger security deposit or a few months' rent upfront.6. Use a Co-Signer or Guarantor - If possible, consider asking a family member or friend with strong credit to co-sign the lease. This can alleviate concerns the landlord might have about your fiancs credit.7. Prepare for February Move - Start your search early. Since you're planning to move in February, begin reaching out to landlords or agents in December or January. This gives you enough time to find a suitable home without rushing.8. Consider Paying for a Credit Monitoring Service - Some credit monitoring services offer simulations or advice on how to improve your credit score quickly. Small improvements in your fiancs score might make a difference in how landlords view your application.By following these steps, you can improve your chances of securing a rental home without wasting money on multiple application fees.