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Show The Magna TlmesWet Valtejr News, October 31, 2002 15 Business credit less with than home a perfect Buying While rates have stayed at historic lows it seems that everyone is jumping on the home ownership bandwagon. Even though average home prices have gone up around the country, the affordability of loans has kept many people in the housing market, including those with a spotted credit history. "We're seeing rates being offered to people with a history of credit mistakes that are much lower than in the past," said Steve Rhode, presiof dent and a financial health Myvesta, center. "Lenders are also being more lenient with their loan qualifications. Those two things are giving more people the opportunity to buy a home where they didn't have that chance before." But the opportunity for home ownership hasn't been granted to everyone. "If you find that you are being turned down for a mortgage, take the necessary steps to make yourself more attractive to lenders," Rhode said. "Start by paying down any credit card debt you might have and putting as much as you can into savings for a down payment Having money in the bank for a down payment and closing costs shows commitment and responsibility to a lender. Also, don't apply for, or open, any new lines of credit in the months before you are going to be applying for your mortgage. And make sure you are paying your bills on time every month. Nothing lowers a credit score like paying your bills late." "If you find it difficult to do even one of those things, you might not be . More information about buying a home with marks on your credit can be found in the Myvesta publication "How to Buy a House With Marks On Your Credit." It is avail ready for homeownership," Rhode added. "That's when it's time to enlist the help of a professional who can work with you and help you realize your goals." and holistic programs. The nonprofit organization gives people practical, emotional and introspective guidance to improve their financial situations and their overall lives. able online at Myvesta.org. Myvesta is the nation's only comprehensive financial health center. Founded in 1994, Myvesta guides people to peace of mind through its comprehensive University Hospitals top consumers' choice lists pany that measures healthcare performance, polled more than 140,000 households nationwide to determine the top 152 hospitals. In the Salt Lake metro area, NRC surveyed people in Salt Lake, Davis and Weber counties. University Hospital's top rankings reflect the dedication and hard work of the staff, according to Richard A. Fullmer, executive director. University Hospitals and Clinics has been named a Consumer Choice Award Winner in the Salt Lake City metropolitan area for the fourth consecutive year. University Hospital received top honors in four major categories: best doctors; best overall quality; best image and reputation and best nurses. National Research Corporation, a leading com of other areas: most preferred hospital; best community health programs; latest technology and equipment; widest range of services; orthopedics; neurology; cancer treatment; mental health services; senior services and "We are honored to receive this award for the fourth consecutive year," Fullmer said. "Our own patient surveys indicate overwhelmingly that most University Hospital patients would again choose our facilities for their health care." In addition to top honors in the four main categories. University Hospital also was judged the best in a number most-use- d hospital Web site. The Consumer Choice Award reflects the growing role consumers play in the selection of their health care, according to NRC. Business Directory place your advertising call To , 250-565- 6 Plumbing won't work? 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