Patterson Realty
Janice & Richard Patterson

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If you’ve seen a change in your credit score recently, you may be wondering why. There are a number of factors that contribute to a dropping credit score and it is important to know what may be causing that! When buying a home, it is important to maintain your credit and not make any major purchases that could impact your score. Here are the top 5 reasons for a drop in credit:

Accounting for about 30% of your total rating, your payment history has a big impact on your credit score. If you make a loan or credit card payment more than a month after the due date, it could cause your credit score to drop. A payment 60-90+ days late will have an even greater impact on your score.

Your credit utilization ratio can largely impact your credit score. Your ratio is how much of your credit you use in relation to your total available credit. The goal is to have a lower ratio so if you’ve been using more of your available credit lately, you may see a drop in your score. If for any reason your credit limit is lowered, it can impact your credit utilization ratio and impact your score.

Timely payments on all accounts is an important part of your credit journey. Late payments on credit cards, loans, to medical facilities, student loans and utilities can be sent to a collection agency, which could in turn show up in your credit report.

When you apply for new credit, you are giving lenders the permission to access a copy of your credit report, which is known as a hard inquiry on your credit. If your credit report indicates that you’ve applied for multiple new credit lines in a short period of time, your credit score may be impacted.

Closing a card means losing available credit, which could increase your credit utilization ratio. As a result, your credit score may drop. If closing a card helps you stop spending, it may be a good idea. Otherwise, it is usually wise to keep lines of credit open. The length of time you’ve had accounts open shows that you have a solid payment history, so that could be another reason to keep that card you’ve had awhile open if you are using it wisely!

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What our clients are saying  

"We received very helpful assistance in the search and purchase process of our new home in Florida.. Ms. Patterson very professionally listened to our wishes and limitations and was well prepared to find and show us homes that met our expectations. We were successful in finding and purchasing our home in one day. I recommend highly her professional and hard-working assistance to others looking to purchase their next home." Gary Johnson


~ Gary Johnson

My husband and I worked with Janice and her son Pat from Patterson Realty when we were looking to buy a rental property. They were fantastic! They are so kind and always willing to go out of their way to help. Janice was always willing to show us any home we might be interested in. She really took her time and we never felt rushed. When we found the one we were searching for, she made the process of putting in an offer and dealing with the paperwork a breeze. I would recommend using Patterson Realty to anyone looking to buy a new home. They are very professional and wonderful to work with!


~ Stephanie Hooper

Patterson Realty provided excellent service in helping us to purchase the perfect home. Janice is a great listener as she found exactly what we were looking for in the home. She is knowledgeable of the area and attentive to details. Thanks Patterson Realty for a job well done! I rate you a 5 out of 5


~ Debra Knerr

Janice was very professional but at the same time personal , she called me daily to keep me informed on the status of the property she was selling for me , I travel a lot so she handled everything perfectly for me , I didn’t do anything but show up and sign the papers , she did the rest , totally awesome , definatley will use her again .


~ Donovan Wilson

I am very pleased with Patterson Realty of Mont Dora Fl. I listed my property in Lady Lake FL with Patterson Realty in May 2018. It was sold and sealed in Jan 2019. I was discouraged when a guy used us in a way that was not very good, but Ms Patterson just tried harder and got the job done. Thank you Ms Patterson for a job well done.


~ Eugene Van Houten

Janice, I just want to Thank you for working with my Dad. As you know he was a very difficult customer. Demanding to see homes at a moment notice and changing his mind continuously. I really appreciate you making yourself available and being very flexible when he changed his mind and backed out of a deal and bought another home in the same hour! You and your son were awesome!!! You made our experience a pleasant one. Thanks again Jo-Ann


~ Jo-Ann

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