352-222-8667 [email protected]

Before getting prequalified for a mortgage and buying a Gainesville, Florida home, consider these steps to ensure your credit is healthy.  

Review Credit Score and Report 

The only way to know if you’re ready to buy a home is to figure out your starting point. Your bank can help you review your credit score, and you can request credit reports from the three credit reporting companies. To learn more about your credit reports, visit the Consumer Financial Protection Bureau here.   

Get Credit Repair  

Once you see your information, you can determine if your credit is healthy enough to buy a home. It’s okay if it isn’t. Bad credit isn’t shameful and can happen to anyone for any reason. But if you need to repair your credit to put yourself in a better position for the future, contact a reputable credit repair specialist.  

Fix Errors on Your Report 

What happens if the information on your credit report isn’t consistent with what you know about your finances? Mistakes happen, but you must work fast to fix them as soon as you discover them. Contact the credit bureaus to open an investigation into the discrepancy so they can help you improve it.  

Keep a Good Credit History 

To keep your credit history on track, follow these tips:  

  1. Always pay bills on time. 
  2. Keep credit card balances low. 
  3. Don’t close out old credit cards. 
  4. Limit applications for new credit. 
  5. Regularly check your credit report.  

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Cherrie Hughes

Cherrie Hughes

Realtor - Keller Williams

Thinking about buying or selling? My customers are more than a transaction.

Be Amazing, Be Purposeful, Find Your Way Home

Cherrie Hughes LLC

I am Cherrie Hughes, and I’m not just a Gainesville, Florida, Realtor; I am a neighbor, a friend, a mom, and a community member. My why is your why. You’re more than a transaction to me, and I will work with you to accomplish the goals you establish when buying or selling your home. You can count on that.  

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Work with Gainesville, Florida, real estate professional Cherrie Hughes LLC to buy or sell your home in the area.  

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Realtor, Speaker, Connector, Mom, and Floridian  

Meet Cherrie Hughes

After a career in higher education, Cherrie Hughes pivoted to a real estate career in 2019. She is driven to help the Gainesville community find a path to owning a home and building wealth.  

Cherrie worked in higher education in the US and abroad, creating, developing, and managing public/private partnerships, technology commercialization, and translational research.  

The compilation of her experiences provided an opportunity to design and direct successful programs worldwide. She identified new funding opportunities, created liaisons for undergraduate and executive programs, and helped manage relationships with private and public partnerships through technology commercialization initiatives. 

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