FACT 1: You Need a Credit Above 740 To Get The Best Rates

FACT 2: All FICO Scores Are Not The Same

If your credit is less than perfect, you're not alone.  A recent study  by the Mortgage Bankers Association of America revealed some startling facts: of 100 people who applied for a standard 30 year fixed rate mortgage through traditional lending avenues (banks, savings & loans, credit unions, etc.), less than 40% qualified for that loan. A major factor contributing to that statistic is credit.  

Credit issues that can prevent you from obtaining a traditional financing include: 

These items, unless paid off and/or eliminated, will not go away, and will continue to prevent you from realizing your best financial future.

And don't be fooled by slick advertising jingles offering free credit reports. Free turns into add ons for additional services like selling you their own "credit scores". Unless you are obtaining your scores from MyFICO.com, you are NOT receiving the scores lenders use for underwriting. We only use the original creator of the credit scoring system, Fair Isaac.

If You Will Be Seeking Financing in the Near Future, Let Us Obtain Your Scores For You

Step one is for you to obtain your "official" credit scores. If your scores then need improving, there are systems available that will analyze your credit files and give you a plan to follow to improve your scores at each of the bureaus. You do not need to pay someone thousands of dollars to "repair" your credit. You have rights under the Fair Credit Reporting Act that allow you to correct erroneous information in your credit files yourself. We can help you obtain your three "official" credit scores and then help you with the procedures to follow for correcting your reports.

We want you to achieve the highest possible scores so that we can offer you the best available mortgage rates. To learn more about how you can obtain and improve your credit scores, call us today at

1-800-233-1777

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