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877-523-3886 |
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Your Credit. There are several factors that affect your credit.  Late Payments - the more recent, the bigger the impact - 30, 60, or 90 days late. More is worse - mortgage lates are very bad High Balances - the closer to your high balance is bad. - Raise your credit limits or pay down Collections
and Liens - Liens have to be paid - older collections do not, but the rate is higher. Open Credit - DO NOT close all your credit cards. - available credit/money helps minimize the risk in the eyes of the lender Credit
Inquiries - credit card and car inquiries subtract 4 points each time - mortgage credit pulls do not, count only once Bankruptcy -
Chapter 7 or 13- over 3 years, does not count if credit has been re-established - chapter 13 can be paid off with a refinance |
 Can save you money! | ||||||||
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We specialize in refinancing. That allows us
to eliminate costs and provide the lowest rates around! No money out of
pocket. Low cost and no cost mortgage available. (but - the rates are higher. We'll can help determine what's best for you.) |
