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Here we cover how your credit history and credit score affects the mortgage rate you obtain when refinancing your current mortgage or purchasing a new home. Traditional vs. non-traditional credit, how to improve your credit score and important credit report tips.
Everyone knows your credit score is an important part of getting a new mortgage. Every mortgage lender you apply with will obtain your credit report, review your credit history and your credit score. Lenders have what’s … Read more
Many homeowners ask why is my credit score lower compared to the credit report I obtained? Many homeowners ask this important question and here is the simple answer: The main reason why your credit score is … Read more
You’re credit history and more importantly, your credit score is one of three main factors in mortgage underwriting (the other two being home value and personal income). That’s why it’s important to make sure your credit … Read more
There are two broad types of credit that lenders will consider when underwriting a new mortgage application; traditional vs. non-traditional credit history. Whether you are refinancing a current mortgage or purchasing a home, your mortgage lender … Read more
This is a fact of life when it comes to obtaining a loan; the better your credit the lower your interest rate (up to a point). So we wrote an article on credit report tips to … Read more
Recently there have been two new programs introduced to help you boost your credit score. The goal of the two programs is to address the consumers that might not have traditional credit (ie credit cards, car … Read more
Do you happen to have “less than perfect credit” or “bad credit”? Are you looking for a mortgage company for people with bad credit? There are many homeowners (and potential homeowners) that don’t have great credit … Read more