FINDING THE RIGHT LENDER HAS NEVER BEEN THIS SIMPLE!
Get matched with lenders that are the best fit for your situation. Yes, it’s that easy!
FHA, VA, 203k, USDA, Refinance, Home equity Loans, Conventional and Jumbo Loans
- Purchase programs with just 3.5% down.
Submit your contact information.
A Lender will contact you to discuss your loan needs.
A Pre-Qualification letter will be provided to submit with your offer.
Why should I use one of your real estate agents?
Some agents have the patience to show homes for weeks or months to buyers that are just looking, other agents lack that patience but are the best negotiator in the state. Other agents are too busy to give you the attention you need. How do you know? It’s simple, you don’t so we created a grading system to ensure you work with the agent that is the best fit for your situation.
I am worried having my credit pulled will lower my score?
When a lender pulls your credit is counts as a hard inquiry. Hard inquiries make up a small portion of your credit score, usually your score will only be affected if you have a significant amount of inquires. You also have a 30 day window to have multiple lender pull your credit and it will only be counted as one inquiry (this is allowed by the credit bureaus for rate shopping)
Can you help me improve my credit scores?
You may request our new Credit repair guide complete with expert tips, secrets & several sample dispute letters to repair your credit yourself at no charge.
I am not ready to buy right away, should I wait to apply for a loan?
No. Even if you are not planning on purchasing a home soon it is a good idea to see if you qualify for a mortgage. If you do not qualify now you will be able to get a clear understanding on what you need to do to be in position to qualify down the road.
Your credit score is calculated using an algorithm based on five factors. The most recent derogatory items on your credit profile have a bigger impact on your credit rating than older derogatory accounts. The mortgage industry will take your mid credit score to grade your loan worthiness. Your “mid score” is the middle score from the three credit bureaus. The highest, and lowest scores are not used, for example if your credit scores are 602, 630 and 655, your mid score is 630.
How your credit scores are calculated
- Payment History 35%
- Debt owed 30%
- Length of credit history 15%
- Inquires 10%
- Mix of credit types 10%
Your mortgage credit scores could be higher or lower, every situation is different. Our mission is to help our clients throughout the home buying process, we have established relationships with lender that can lend to borrowers with credit scores as low as 580 in some cases.