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Credit Cards
Mortgage Adjusting?
Poor - Excellent Credit Cards available. We
also can offer a secured credit card that will
help you re-establish your credit.
also can offer a secured credit card that will
help you re-establish your credit.
Commercial Loans
Starting a new business? Need to refinance an
existing business? We have many commercial
products to suit your needs. Click HERE
existing business? We have many commercial
products to suit your needs. Click HERE
Home Warranty
Employment
Need a new or used car loan? Have a high
interest rate, or need a lower payment?
Excellent rates and terms are availabe now.
interest rate, or need a lower payment?
Excellent rates and terms are availabe now.
Choose a Home Warranty treating customers
with fairness and honesty. Optional First
Class Upgrade available. Click HERE
with fairness and honesty. Optional First
Class Upgrade available. Click HERE
1-877-876-3872
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Do you have an Adjustable Rate
Mortgage (ARM)? Fix it now and save.
Mortgage (ARM)? Fix it now and save.
Before deciding on what terms they will offer you in a loan (which they base on their "risk"), lenders want to know two things about you: your ability
to pay back the loan, and your willingness to pay back the loan. For the first, they look at your debt-to-income ratio. For your willingness to pay
back the loan, they consult your credit score. Your credit score is between 350 (high risk) and 850 (low risk).
Different portions of your credit history are given different weights. Thirty-five percent of your credit score is based on your specific payment
history. Thirty percent is your current level of indebtedness. Fifteen percent each is the time your open credit has been in use (ten year old
accounts are good, six month old ones aren't as good) and types of credit available to you ( installment loans such as student loans, car loans, etc.
versus revolving and debit accounts like credit cards). Finally, five percent is pursuit of new credit -- credit scores requested.
Your credit report must contain at least one account which has been open for six months or more, and at least one account that has been updated
in thepast six months for you to get a credit score. This ensures that there is enough information in your report to generate an accurate score. If
you do not met the minimum criteria for getting a score, you may need to establish a credit history prior to applying for a mortgage.
to pay back the loan, and your willingness to pay back the loan. For the first, they look at your debt-to-income ratio. For your willingness to pay
back the loan, they consult your credit score. Your credit score is between 350 (high risk) and 850 (low risk).
Different portions of your credit history are given different weights. Thirty-five percent of your credit score is based on your specific payment
history. Thirty percent is your current level of indebtedness. Fifteen percent each is the time your open credit has been in use (ten year old
accounts are good, six month old ones aren't as good) and types of credit available to you ( installment loans such as student loans, car loans, etc.
versus revolving and debit accounts like credit cards). Finally, five percent is pursuit of new credit -- credit scores requested.
Your credit report must contain at least one account which has been open for six months or more, and at least one account that has been updated
in thepast six months for you to get a credit score. This ensures that there is enough information in your report to generate an accurate score. If
you do not met the minimum criteria for getting a score, you may need to establish a credit history prior to applying for a mortgage.