Less-Than-Perfect-Credit? We can help!
Many of our clients have come to us with significant credit issues. Many of our clients did not believe they would even be able to qualify for a home purchase loan or for a refinance of their current home.
As your mortgage advisors we recognize that assisting you in both the short term as well as the long term solution is what you desire. To meet that desire we have developed strategies for assisting our clients to both protect good credit as well as improve damaged credit. It is our goal to assist you in getting your credit to the point that you can proudly expect the very best terms for your home mortgage, your auto loans, your credit card rates and even employers who now review credit prior to making a job offer.
Your needs are unique ... as are the solutions to your credit situation. It is imperative that we discuss your specific situation in order to advise you properly. The following are generic recommendations that we hope will save you from making mistakes along the way.
- Start by contacting us for a consultation. Your only obligation is the cost of the credit report.
- Do not close any of your credit lines unless counseled to do so.
- Do not pay off old collection items without discussing the impact with us first
- Avoid dumping large amounts of cash to pay off credit lines.
- Avoid financing new items or making large purchases on credit prior to our consultation.
- Avoid unnecessary credit inquiries. Frivalous inquiries can degrade your score.
- Avoid adding a spouse or others to your credit lines as "authorized users" unless directed to do so.
- Contact us for accurate information on how to challenge questionable credit items.
Low credit scores, late payments, recently bankrupt, prior foreclosure or behind on payments are all common challenges we can help with.
Do you own your home and need cash to pay bills? Do you want to buy a home and need special financing? Don't be discouraged into not moving forward with your dreams. We can help!
Afraid to shop around for a loan and further lower your credit score? Now you can be initially pre-qualified prior to pulling your credit. This strategy will keep you free from multiple credit inquiries and keep your credit score up!
Bankruptcy, foreclosure, judgments, charge-offs, medical bills, no credit, bad credit, turned down, etc.—we can help!
Let us help you get out of the tough spot and into a stress free credit position.