Truth: Your credit rating is not the only piece of the mortgage puzzle but you need to know where you stand.
I have been in the mortgage business for a long time and still, the most common question that I get asked is plain and simple……
“How do I actually get a mortgage with bad credit?”
I get asked this a lot and my very BEST ADVICE is NOT TO MAKE ASSUMPTIONS. Many people think they have poor credit from something that happened years ago and are pleasantly surprised to find out the item in question is no longer pulling their credit down. Conversely, many people think they have good credit only to find out that parking ticket or phone bill they didn’t agree with nor pay, is costing them dearly on their credit report!
Here’s what to do:
- let me check your report out so you know exactly where you stand. (Free)
- If you do have some serious problems, let me give you some tips on how to improve your situation, if not for now, for a future application (Still free)
- You would be surprised how many mistakes I find on credit reports; things that have been paid off long ago but aren’t logged on the credit report – Again never make assumptions….
If your curious to know your score, give me a shout if there are improvements to be made, you would much rather tackle those now than have a nasty surprise later 🙂