Quadrant homes

• “Never before have I dealt with a more professional, friendly, personable group of people.”

  - Maurice Toussaint and Anna Skretting, Northwest Landing

• “I have really enjoyed this experience and will recommend Quadrant to EVERY person I speak with who is in the market for a home.”

  - Michael and Jada Rhodes, Northwest Landing

• “Thank you for the excellent experience! Quadrant homes is truly the best home builder in the state!”

  - Richard and Kathleen Dell, Northwest Landing

• “I'm just really happy with everything. I've never built a home and everything went way smoother than I ever expected.”

  - Diana Fratus, Pasadera

• “We are still pinching ourselves because we can't believe we have gotten into a Quadrant Home...we love it and it was the best move we've ever made.”

  - Jeff and Charlene Holmes, Pasadera Heights

• “This was fun and an awesome experience. Every detail was attended to and everyone was so friendly and patient. You guys seriously rock!!”

  - John and Yuki Lewis, Snoqualmie Ridge

• “As a first time buyer...I have been very pleased and couldn't be happier. I was worried especially this being my first home and being in the military coming from Iraq. But I can say that I am very happy. Thank you guys for all that you have done.”

  - James Geiss, Autumn Woods

• “They really did not fall short of any of my expectations. They really exceeded my expectations in almost every way. This was my first home buying experience and Quadrant made it very easy and a very pleasurable experience. It was very positive.”

  - Donald Butler, Brookside

• “They didn't fall short at all. This is my first home, and I'm ecstatic about it.”

  - Michael Eaton and Michelle Smith, Berrywoods

• “The Ridge at Suncrest is perfect for us - conveniently located, family-friendly, with a very nice park and walking trail. We feel safe here and feel blessed to have been able to purchase our home here.”

  - Kathryn Wyat, Ridge at Suncrest

• “We are first time home buyers. We couldn't have asked for a better experience...our sales manager has been so wonderful to us. My Husband is deployed and she has keep him updated with so much. She has really went above and beyond for us. It really feels like a friendship working with [our sales manager]. I'm so excited and looking forward to our future with Quadrant!”

  - Lee and Stacey Forker, Tahoma Meadow

• “All we can say is high praises for your company and when we hear people talking about buying a home to check out Quadrant first , then compare to others, and find there isn't any comparison, no other company can compete with what Quadrant offers to the customer.”

  - Sharon and David Putnam, Tahoma Meadow

• “The entire process exceeded our expectations. We were first home buyers and were surprised in how excellent everything was handled and explained to us.”

  - Anonymous

• “Being a first time home buyer Quadrant made the whole process easy to go through and exceeded our expectations. We are extremely happy with the service we received and our beautiful new home.”

  - Andrew and Stacy Aragon, Berrywoods

• “As a single mom this was a real learning experience, but it was very positive...they were very helpful and accommodating and we love our new home!”

  - Debbie Eng-Tsujii, Foxglove Meadow

• “Without a doubt, this is one of the easiest things we have ever done. I would go as far to say as I would rather go though the process of buying another house from Quadrant before I go to a car dealership and buy a new car. Quadrant makes one of the biggest events in someones life one of the simplest.”

  - Joshua and Tara Foster, Kentlake Highlands

You just need the right people on your side. We're here to answer your questions and simplify the home buying process. If you don't find what you need among the answers below, please contact us.

If you’re a new home buyer in Seattle, Washington or anywhere else in the US, and seeking an affordable mortgage, you’ve probably found out your credit score plays an important part in the home-buying process. As a prospective homeowner, you’re hoping to secure a home loan with a low interest rate. Your credit score and credit report will directly affect both your ability to get such a loan and the interest rate you receive for the life of your mortgage.

If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file is known as your credit report. This file is made up of information about you: where you live, how you pay your bills, whether you've ever been sued or arrested, or have ever filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses as necessary. These businesses use this information to evaluate your applications for loans, credit, insurance, employment, or a lease. Having a good credit report means it will be easier for you to get loans and lower interest rates. Lower interest rates usually translate into smaller monthly payments.

Credit scoring is a system creditors use to help determine whether to give you credit, and how much to charge you for it. A credit score is a number used by lenders to estimate risk. Experience has shown them that borrowers with higher credit scores are less likely to default on a loan. Information about you and your credit experiences, like your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts is collected from your credit application and your credit report. Using a statistical formula, creditors compare this information to the credit performance of consumers with similar profiles. A credit scoring system awards points for each factor. A total number of points — a credit score — helps predict how creditworthy you are; that is, how likely it is that you will repay a loan and make the payments on time. Generally, consumers who are good credit risks have higher credit scores.

Credit scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised if you discover that the credit scores they generate for you are different. Credit scoring software only considers items on your credit report:

• Your Payment History
• Amounts You Owe
• Length of Your Credit History
• Types of Credit Used
• Your New Credit

Credit scores (usually) range from 340 to 850. The higher your score, the less risk a lender believes you will be. As your score climbs, the interest rate you are offered will probably decline. Borrowers with a credit score over 700 are typically offered more financing options and better interest rates, but don't be discouraged if you have a low credit score, because there's a mortgage product for nearly everyone. Your bank will pull credit reports and scores from all three major credit reporting agencies: Transunion, Equifax and Experian. They'll probably use the middle score to work your loan application. Ask your lender to explain which credit scores will be used and how they affect your loan application.

To improve your home buying credit score:

• take a close look at your credit reports and chart a plan of action to improve them.
• Maintain one or two charge accounts (such as Visa or MasterCard) in good standing.
• Don't max out your credit cards – the ratio of available credit to your total credit balances is very important.
• Don't apply for multiple credit lines – this triggers an inquiry of your credit, which lowers your credit score.
• Never co-sign a loan for someone else.
• Always pay your bills on time. Late payments play a major role in driving down your score.

Slowly over time, with diligence and hard work. There are plenty of companies and services out there promising to erase negative information in your credit report in exchange for a fee. Don’t fall for it! The scam artists who run these ads not only won't deliver — they can't deliver. Only time, deliberate effort, and a plan to repay your bills will improve your credit score and credit report. Remember:

• A mixture of credit cards and installment loans, loans with fixed payments, can help raise your score if you manage the credit cards responsibly.
• Having many installment loans can lower your scores since payments remain the same until balances are paid in full.
• Don't open new accounts just to have several accounts or to attempt a better mix of credit.
• Closing an account doesn't remove it from your report. It may still be considered for scoring purposes.