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Mortgage Ready credit score


If you have a great credit score, you deserve the best!  - If you don't have one, we'll help you get it!



Your credit score is essential for getting a good mortgage - today more than ever!
Qualifying for mortgages is more difficult in today's economy. In many cases, a low credit score will prevent you from qualifying for the mortgage you want. In nearly all cases "risk-based pricing" means that your score will play a large role in the rate you're offered on your mortgage. Simply put, a good credit score can save you thousands of dollars each year on your mortgage payments. How to build perfect credit.


How credit scores impact mortgage rate rates
The minimum score for a mainstream type mortgages is usually 620. Mortgage loans for scores less than 620 are available at 1%-6% higher rates, and often for a maximum loan of 50%-65% of property value only. Typically better rates (as much as 0.375% lower) are offered, starting at a 680 score.


A Mortgage Ready Credit Score ensures that you qualify - and qualify for the best possible rate!
We offer personal service, backed by state of the art technology to ensure you can qualify with the best score possible! We can legitimately improve virtually any credit score, sometimes by over 100 points, in as little as 5 business days.

 

I don't promise the impossible
We do not have a magic wand that makes late payments, charge offs, tax liens, etc. disappear. What I can tell you is that with our expertise, your cooperation, and state of the art technology we can accomplish a lot. More often than not we get our customers mortgage ready (with a score as high as possible and no less than 620) in 5-90 days, but it can take as long as 6-12 months. If you have ongoing financial or legal problems it can take longer.


How to get started
First we'll review your credit report for accuracy (more than 50% of credit reports contain significant errors!), and go over your real estate plans. Then a Credit Analyst will examine your credit report to determine what we can do to get you the best Mortgage Ready Credit Score. Then we go to work to get you the best score and offer you the best mortgage!

 

Contact me by email, or call me at 800-405-0676

 

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