Get Pre-Approved

We will ensure that you get the best loan available with the lowest interest rate possible. We work with all banks and lenders so we don’t use just one loan program…we use them all. This enables us to ensure that we get you the best deal. We will hold your hand through the entire process to ensure you know what’s going on every step through the process.

Check Your Credit Rating

Credit scoring systems have been in place for centuries and have undergone numerous changes and updates over the years. The current range of credit scores is between 300 and 850, with a score of 640 or higher considered "good" and a score of 700 or higher considered "premium." Having a high credit score can potentially help secure a lower interest rate on loans and other financial products. 640 is the score you need to be at for most 1st time home buyer programs. Despite the name, you do not need to be a 1st time home buyer to actually receive a 1st time homebuyer loan. With the changes in technology and the economy, maintaining a good credit score remains an important part of managing one's finances.

To determine your credit rating, you can contact any of the three major credit reporting agencies listed below. If you need to improve your credit score, we can help you with that. Moving forward, it's important to treat your credit with the utmost care and responsibility, as it can greatly impact your financial future:

Equifax	http://www.equifax.com	800.685.1111
Experian	http://www.experian.com	800.392.1122
Trans Union	http://www.transunion.com	800.888.4213

Do’s and Don’ts of getting a Mortgage

Do not Change jobs prior to closing on your home.

Do not make any large deposits or withdrawals from your bank accounts.

Do not open ANY new lines of credit, that means auto loan, furniture credit card.. ANY.

Do not make any large purchases using the credit cards you already have. This will change your Debt To Income Ratio and that could be the difference between you qualifying and not qualifying.

Keep everything about your job, your bank accounts, your credit cards and your credit report exactly how it when we get you pre-approved. This could have serious impact on your loan.