Home Loan News
Making Finances Simple. Changing Lives.
Credit scores are a major factor in purchasing or refinancing a home using conventional financing. Those with better scores qualify easier, and for better terms. Those with poor scores may not qualify, so it’s tempting to avoid working with them. But we see it differently.........
We've spent over 13 years closely analyzing credit reports, learning what moves need to be made in order to improve scores legitimately.
We do not do “credit repair” per se. Rather, we educate clients on the moves needed in order to get in a position to obtain financing.
We educate them on scoring factors, and how to use these to their advantage. We teach them the rules of the credit scoring game to ensure their scores are maximized (things like not charging over 30% on revolving credit cards, or not closing old accounts).
A large percentage of credit reports have errors; we can help clients fix those.
Sometimes this takes a couple months, sometimes it takes years. But either way, with a little education these folks can be on their way to purchasing a home, or acquiring better terms on their existing loan.
HOW YOU CAN USE THIS:
Contact us any time with credit scoring questions...we're eager to help!