A smart move for Buyers is to consider getting their FICO score early in the homebuying process. FICO (based on the Fair Issac's credit reporting system) pools information from the major credit reporting agencies; many mortgage companies use a FICO score to base their approval. But how do you obtain your FICO score?
Many potential homebuyers shopping for a mortgage are not aware of the drop in credit score they might experience every time a mortgage broker or banker pulls their credit report. This is not something you'll want when when you are about to purchase a home. 
There are two basic fundamental systems at work here:
MyFICO has a great web site set up to learn what your FICO score is, what mortgage rate you will receive (based on current average mortgage rates), and for a reasonable fee, advice on improving your FICO score (Suze Orman offers credit coaching, etc.), plus and a whole host of very valuable information. In addition, and this is key, you will not be penalized for obtaining your FICO score on this site: www.MyFico.com
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About John (John B.) Badalamenti
John (John B.) Badalamenti, ABR, ASR®, RFS, SRES®, AHS, e-PRO, REALTOR®, Weichert, Realtors® - is an Experienced, Full Time REALTOR® and Consistent Multi-Million Dollar Producer Serving Collegeville, King of Prussia, Blue Bell, The Main Line and the Surrounding Area Tha Encompases The Suburban Philadelphia Area.
John B. is originally from the New York/Northern N.J. - Metro Area and transferred to the S.E. Pennsylvania area in the late 1980's during his tenure as a Sr. Technical Sales Engineer with E.I. DuPont's Printing & Publishing Division.
John B.comes from a family of talented musicians, artists, and actors; his father, Steve Badalamenti, a jazz trumpet player, his uncle Angelo Badalamenti, a world-renound musical composer of movies and TV (Twin Peaks, Mulholand Drive, The Straight Story, Christmas Vacation, The Wicker Man, etc.) and his brother Stephen Badalamenti, an aspiring actor.
Married with four children, John lives in the Central Montgomery County, PA - area and believes in family, community, & service. His youngest daughter is a U.S.F.S.A. member figure skater who competes locally and nationally, and one of John's sons is a graduate student working on "alternate forms of energy".
John notes: "I am fortunate that I truly enjoy my work as a REALTOR® - helping people from all walks of life realize their real estate dreams and goals. I firmly believe that "people like to buy, but they don't like being sold" - which is why I also believe in being responsive to my clients - rather than pushy!
As a hard working, full time real estate agent, I believe in the value of my client's money; as a sage advisor and shrewd negotiator, an advocate for my client’s home buying or home selling success!"