Homeownership Guide
At Freedom River Homes, we believe buying a home shouldn’t be overwhelming. Our Homeownership Guidance program offers personalized credit counseling, budgeting strategies, and step-by-step advice to help you stay on track. Whether you’re building, buying, or preparing for the future, we’ll help you strengthen your financial foundation and move confidently toward homeownership.
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Understanding Your Credit Score
Your credit score tells lenders your financial story — but few people know how it’s really calculated. This video breaks down the key factors that shape your score, what lenders look for, and how small habits can make a big impact over time. Understand your score so you can start improving it today.
Your credit score tells lenders your financial story — but few people know how it’s really calculated. This video breaks down the key factors that shape your score, what lenders look for, and how small habits can make a big impact over time. Understand your score so you can start improving it today.
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Low Credit, No Credit, and Bad Credit – Where to Start.”
Having low or no credit doesn’t mean you’re stuck. This video explains how lenders view limited credit history and what steps you can take to rebuild or establish credit from scratch.
Learn practical ways to start improving your score, find trusted resources, and take real steps toward financial recovery and stability.
Having low or no credit doesn’t mean you’re stuck. This video explains how lenders view limited credit history and what steps you can take to rebuild or establish credit from scratch.
Learn practical ways to start improving your score, find trusted resources, and take real steps toward financial recovery and stability.
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How Debt-to-Income Ratio Affects Credit
Lenders look beyond just your score — your debt-to-income ratio matters, too. This video explains what DTI is, how it’s calculated, and how it influences both your credit health and loan approval. Learn smart ways to lower your DTI and improve your borrowing power.
Lenders look beyond just your score — your debt-to-income ratio matters, too. This video explains what DTI is, how it’s calculated, and how it influences both your credit health and loan approval. Learn smart ways to lower your DTI and improve your borrowing power.
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From Credit to Keys: The Next Step
You’ve built your credit and gained the confidence to take the next step. This video shows what comes next — how your improved credit opens doors to better loan options, smoother approvals, and stronger buying power.
Learn how to prepare for conversations with lenders and move from building credit to building your future.
You’ve built your credit and gained the confidence to take the next step. This video shows what comes next — how your improved credit opens doors to better loan options, smoother approvals, and stronger buying power.
Learn how to prepare for conversations with lenders and move from building credit to building your future.
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Why I need a Realtor- Aaron Bettencourt of Keller Williams
Aaron Bettencourt of Keller Williams explains why having a trusted realtor is essential when buying a home. He shares how a realtor protects your interests, saves you time, and guides you through complex negotiations and contracts. Learn the real value of professional representation and why choosing the right agent can make all the difference in your home-buying journey.
Aaron Bettencourt of Keller Williams explains why having a trusted realtor is essential when buying a home. He shares how a realtor protects your interests, saves you time, and guides you through complex negotiations and contracts. Learn the real value of professional representation and why choosing the right agent can make all the difference in your home-buying journey.
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How to Obtain a Realtor
Local real estate professionals share what to ask, what to look for, and how to find a realtor who understands your goals and believes in helping families achieve homeownership.
Local real estate professionals share what to ask, what to look for, and how to find a realtor who understands your goals and believes in helping families achieve homeownership.
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Buyer’s Agreement
This video covers what a buyer’s agreement is, what it protects, and why it builds transparency and trust between you and your agent.
This video covers what a buyer’s agreement is, what it protects, and why it builds transparency and trust between you and your agent.
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What Your Realtor Does on Your Behalf
See what happens behind the scenes — from negotiations to closing — and how your realtor works to protect your best interests throughout the buying journey.
See what happens behind the scenes — from negotiations to closing — and how your realtor works to protect your best interests throughout the buying journey.
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Why You Need a Lender – Setting a Good Foundation
Before you start searching for your dream home, it’s essential to understand what a lender does and why financing comes first. In this video, our team and local lending experts explain how early conversations with a lender can save you time, clarify your budget, and strengthen your position as a buyer.
You’ll also see how your lender and realtor work together to create a smoother, more confident home-buying experience from day one.
Before you start searching for your dream home, it’s essential to understand what a lender does and why financing comes first. In this video, our team and local lending experts explain how early conversations with a lender can save you time, clarify your budget, and strengthen your position as a buyer.
You’ll also see how your lender and realtor work together to create a smoother, more confident home-buying experience from day one.
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How to Choose the Right Lender — local vs. national, what questions to ask
Not all lenders are the same. This video breaks down the differences between local and national lenders, helping you understand the pros and cons of each. Learn what questions to ask, how to compare options, and why choosing a lending partner who believes in your goals can make the entire process more personal and successful.
Not all lenders are the same. This video breaks down the differences between local and national lenders, helping you understand the pros and cons of each. Learn what questions to ask, how to compare options, and why choosing a lending partner who believes in your goals can make the entire process more personal and successful.
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Pre-Approval vs. Pre-Qualification
These two terms sound similar but mean very different things. In this video, you’ll learn what each process involves, how lenders evaluate you, and which one gives you more power when making an offer. Gain the confidence to take the right first step and position yourself as a serious, prepared buyer.
These two terms sound similar but mean very different things. In this video, you’ll learn what each process involves, how lenders evaluate you, and which one gives you more power when making an offer. Gain the confidence to take the right first step and position yourself as a serious, prepared buyer.
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The Loan Process – From Application to Closing
This video takes you inside the loan process, showing what happens from the first application to closing day. Learn what documents you’ll need, what your lender handles behind the scenes, and how to stay informed along the way. Understanding the process helps you feel confident and ready when it’s time to pick up the keys.
This video takes you inside the loan process, showing what happens from the first application to closing day. Learn what documents you’ll need, what your lender handles behind the scenes, and how to stay informed along the way. Understanding the process helps you feel confident and ready when it’s time to pick up the keys.
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