JohnYeeInsurancePanda

8 Contributions 17 People Helped

Member Since: April 2018

About Me: I am an insurance agent and broker working for Insurance Panda.

Visit Insurance Panda to get a free auto insurance quote (without using any personal information like your social security number).

Insurance Panda helps consumers save hundreds each year on their car insurance rates.

My Website: http://www.insurancepanda.com/car-insurance-quotes/

Most Helpful Contribution

What credit score do I need to qualify for a mortgage?

Apr 09, 2018
Helpful to 9 out of 13 people

There are 4 basic principles to get a house. 1) debt:income ratio (with estimated mtg payment included) 2) income/job tenure 3) credit score/history 4) Cash for down payment

Its not rocket science. If you meet the requirements for these, the chances of you getting a house is very high. Being broke with a mortgage payment, is still better than being broke renting an apartment.

Activity (8 Total Contributions)

What does my credit score need to be to purchase a home?

Apr 09, 2018
Helpful to 7 out of 7 people

If you are receiving and large amount for the down payment ( gift from parents, etc). Do it 90 days before applying. Banks will " "source" ( want an explanation) where it came from in the past 60 days. Get ahead of time and let it "season". Save you a lot of head aches.

What credit score do I need to qualify for a mortgage?

Apr 09, 2018
Helpful to 9 out of 13 people

There are 4 basic principles to get a house. 1) debt:income ratio (with estimated mtg payment included) 2) income/job tenure 3) credit score/history 4) Cash for down payment

Its not rocket science. If you meet the requirements for these, the chances of you getting a house is very high. Being broke with a mortgage payment, is still better than being broke renting an apartment.

There are strange drivers listed in my CK Insurance overview...how do I get them off??

Apr 05, 2018
Helpful to 1 out of 1 people

Call your insurance company to report them. Also make a report with the credit bureaus.

why did my insurance drop when i have had no claims

Apr 09, 2018

Did you move recently? Some zip codes have much higher insurance rates!

Can i get insurance outside the state of NC? Rates here are too high.

Apr 05, 2018

NC auto insurance rates are known to be the cheapest in the country. Some states like Michigan and Louisiana, on the other hand, are known to have extemely expensive car insurance rates. The main thing is to shop around until you find a rate that is affordable to you. What state are you looking to insure in, if I may ask?

cheap auto insurance

Apr 05, 2018

Shop around for quotes. There are literally hundreds of websites out there that will gladly give you multiple quotes as long as you input some basic information about yourself and your vehicle.

how do auto insurance companies score you

Apr 05, 2018

It's like a credit score. It is calculated using information from your credit reports. The information included is:

  • The age of your credit history
  • The number of accounts you have in good standing
  • How many payments you've made on time
  • How much of your available credit you're using

Can anyone here recommend a good auto insurance place?

Apr 05, 2018

The favorite of our customers seems to be Amica. It is based out of Rhode Island and is very reputable and affordable. Another favorite, if you qualify, is USAA. Unfortunately, you have to be part of a military family in order to join. Let me know if you have any questions!