Five Steps Toward Healthy Credit
Self improvement is a great thing. Becoming a better
public speaker can earn you a promotion. Going to the gym regularly
can help you lose a few pounds. Best of all, managing your credit
better can save you hundreds or even thousands on life’s big purchases.
Managing your credit is not hard, it just takes time and a little
knowledge about the credit scoring system.
While each person’s individual credit profile should
be managed in its own way, there are five basic things that everyone
can do to work toward healthy credit.
– Pay all your bills on time each month. Late payments,
collections, and bankruptcies have the greatest negative effect
on your credit scores.
CHECK YOUR CREDIT
REPORTS REGULARLY AND TAKE THE NECESSARY STEPS TO REMOVE INACCURACIES
– Don’t let your credit health suffer due to inaccurate
information. If you find an inaccuracy on your credit report contact
the creditor associated with the account or the credit reporting
agencies to correct it immediately.
MANAGE YOUR DEBTS
– Keep your credit card account balances below 35% of your available
credit limits. For instance, if you have a credit card with a $1,000
limit, you should try to keep the balance owed below $350.
GIVE YOURSELF TIME
- Time is one of the most significant factors that can
build healthy credit. Establish a long history of paying your bills
on time and using credit responsibly. You may also want to keep
the oldest accounts on your credit report open in order to lengthen
your period of active credit use.
AVOID EXCESSIVE INQUIRIES
– A large number of inquires occurred over a short period of time
may be interpreted as a sign that you are opening numerous credit
accounts due to financial difficulties or overextending yourself
by taking on more debt than you can easily repay. Apply for new
credit in moderation.
is committed to helping you find the right mortgage product for
your needs. We understand that every borrower is different, and
we offer a variety of products to meet your individual requirements.
We make the process of securing a mortgage simple and straightforward
by offering you the latest in financial tools that enable you to
make sound financial choices. We are confident to say "If
we can't do it.....it can't be done" Let us help you,
"Manage your Mortgage in any Market".
Loan Types Available
|• 30 Year Fixed
||• FHA Loans
||• VA Loans
|• Adjustable Loans
||• Small Commercial
||• Investor Loans
|• Reverse Mortgages
||• 10-25 Yr Fixed
||• 203K Streamlines
Choose Home Funding
Small company service with big company pricing. We have an army
of wholesale lenders available to us. What does this mean to you?
We shop around for you to find the best rate and cost structure
for your mortgage. It also means that no matter what your need,
we have the product for you.
With the credit markets tightening up, we also see the need to
be a lender, not just a broker. We have a warehouse line ready
to fund your loans and a staff of in-house underwriters to give
you common sense underwriting.
In this market, knowledge and experience are the difference between
a mortgage experience in which you are left at the closing table
with no mortgage and no support versus having a very nice experience
and setting yourself up to be successful financially. Count on
our staff to guide you through the process smoothly and successfully.
Check out our Resource Center to view some of the reports we use
to help you choose the right mortgage and keep you in the right
mortgage even after you close.
In a market when other mortgage companies are closing their doors,
we remain and are growing. Our commitment is to provide top quality
mortgage financing and superior service. Our satisfied clients
have responded through repeat business and word of mouth referrals.
Don't take our word for it! Call the Better Business Bureau or
check out a few of our testimonials.