Improve Your FICO® Score

Higher FICO Score = Better Rate on Your Home Loan

Here are 5 steps for improving your credit rating:

  1. Review your credit score today. (Equifax, TransUnion and Experian)
    FreeCreditScore.com
  2. Examine your credit reports carefully (Most consumers had an error on at least one credit report)
  3. Dispute and Document (Bad and Incorrect Credit Will Cost You)
  4. Solve and Dissolve Debt (Budget and Pay on Time)
  5. Add Stabillity to your Credit (Build a solid credit history ~ to many inquiries will lower your score)
Experian Get Your Free Credit Score! With enrollment in freecreditscore.com

Avoid Foreclosure on Your Home

Whether you're in foreclosure now or worried about it in the future, U.S. Department of Housing and Urban Development (HUD) has the information that can help you.

Visit HOPE NOW

Ask Your Lender for a Short Pay Offs

For refinance transactions, borrowers will be eligible for an FHA loan on a refinance transaction if the existing lender writes off the amount of indebtness that cannot be refinanced into the new mortgage due to a decline in property value or reduction in income.

* To be eligible for refinancing with a short pay off, borrowers must be current on their mortgages.

Additional information is available in the HUD 4155.1 Handbook available on the HUD website. WWW.HUD.gov

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