Former Real Estate Agent turned Mortgage Consultant, Shymeia Lee is joining us today to tell us all about how to get Mortgage Credit Ready. Learn the basics of credit and what really makes up your credit score and what can affect it, both positively and negatively. Credit is simple and complicated at the same time, so listen in and come learn some strategies to get a good credit score.   We’re getting into what debts you need to pay off (or not) before you pull out a mortgage. Are credit estimates from free sites accurate and what are they good for? What about if your identity is stolen while you’re trying to get approved to buy a house? All this and more is covered in today’s episode of Get Keys with Kim.   When you are looking for a lender, find someone that will take the time out to answer your questions and hold your hand through the process. If you want to get in touch with Shymeia, you can find her on all platforms as Shymeia Lee. Thank you for listening in to today’s episode!   [0:00:00] Show intro  [0:00:34] Welcome into 2023  [0:01:39] First guest of the year, Shymeia Lee [0:03:18] A little bit about Shymeia  [0:06:29] Why did Shymeia switch from a realtor to a mortgage consultant  [0:07:54] The advantages of being in both sides [0:12:31] The basics of credit: What makes up a credit score?  [0:19:00] How far back do negative things affect credit? [0:21:48] Are challenges because of COVID passed now?  [0:23:09] Why is no credit “bad” credit?  [0:26:36] Ideal credit score  [0:31:24] How does it work when one partner has great credit and the other doesn’t?  [0:38:16] Do medical bills (or other debts) need to be paid off before a mortgage?  [0:40:44] Is Credit Karma accurate?  [0:44:16] Setting accurate expectations [0:46:46] What are the differences between algorithms?  [0:49:06] Identity theft during the home buying process  [0:53:16] Can a home buyer give the loan officer a credit report?  [0:55:06] Disputing your credit score during a home buying process  [0:57:30] What if something gets paid off during the buying process?  [1:00:25] What documents do you need to bring when you’re looking to buy a house and the cosigning piece of the equation  [1:13:37] When a buyer owes money to the government [1:19:29] Your lender and agents influence on your mortgage  [1:25:48] Where to reach Shymeia  [1:27:24] Closing comments [1:28:15] Outro   Shymeia Lee IG:  @shymeialee5340  FB: Shymeia Lee Google: Shymeia Lee