Many buyers assume that a low credit score automatically means they cannot purchase a home. In reality, every buyer’s financial situation is different.

Working with a credit professional can help you identify the factors affecting your credit, understand which areas may need improvement, and develop a personalized action plan.

For Rio Grande Valley homebuyers who are not currently ready for mortgage approval, improving credit now may help prepare you for purchasing or building a home in the future.

How the Credit Review Process Works

Getting started is simple.

Step 1: Review Your Credit Report

You can provide a copy of your current credit report, or your third-party credit advisor can help obtain one for review.

Step 2: Receive a Credit Analysis

Your assigned credit advisor will complete a line-by-line analysis of your credit report to identify areas that may be affecting your credit score.

Step 3: Create Your Action Plan

Using your credit report and previous case experience, the advisor will create a personalized strategy designed to help you work toward your credit goals.

Start Planning Your New Construction Home While Working Toward Your Goals

One of the advantages of building a new home is having the opportunity to personalize it around the way you live.

Hakes Brothers offers new construction floor plans ranging from approximately 1,337 to 3,627 square feet throughout Hidalgo County and Cameron County, with communities extending from Mission, Texas to Brownsville, Texas.

Depending on the community and floor plan, buyers may have opportunities to personalize their home with features such as:

· Fireplaces

· Covered patios

· Extended covered patios

· Outdoor living areas

· Additional bedrooms

· Studies and flex spaces

· Larger garages

· Kitchen upgrades

· Structural options

· Homesites as large as approximately ½ acre

Available features, homesites, structural options, and upgrades vary by community and floor plan.

New Homes Across the Rio Grande Valley

Hakes Brothers builds new homes throughout the Rio Grande Valley, giving buyers options across both Hidalgo and Cameron counties. Whether you’re looking for new homes in Mission, McAllen, Edinburg, Weslaco, Harlingen, Brownsville, Alamo, or San Juan, our team can help you explore available communities, floor plans, homesites, and move-in-ready homes.

With floor plans ranging from smaller, efficient designs to larger homes offering more than 3,600 square feet, there are options for first-time buyers, growing families, move-up buyers, multigenerational households, and buyers looking for additional space.

Don’t Let Credit Challenges Stop You From Starting the Conversation

If you have been searching for how to buy a house with bad credit in Texas, wondering whether your credit is ready for a mortgage, or simply don’t know where to begin, your next step can be as simple as getting more information.

You don’t have to figure it out alone.

Find out if you’re homebuying ready today. Hakes Brothers can help connect you with resources that may help you understand your credit while you explore new construction homes throughout the Rio Grande Valley.

Ready to Get Started?

Complete our homebuyer readiness form to learn more about available resources and take the first step toward your future home.

Explore Hakes Brothers new homes in the Rio Grande Valley and find out what your next step toward homeownership could be.