What does it take to get pre-approved?

Not as much as you might think! With a short phone conversation, I can provide you with your credit rating, approximate amount you qualify for, and list of items needed to finish the approval. Generally, if you have a few basic items available to fax, such as a recent pay stub, last two years W2 statements, and a recent bank statement, I can provide most clients with a pre-approval letter within 15 minutes.

You can also complete the items below to have more information sent to you. I want to work toward your specific goals and needs - just as every person is unique, so are their home financing desires. I will always present you with options, so that you can make an informed decision on what is best for you.

Click here to get pre-approved

Are you worried about your credit history?

Just about everyone has something in their past credit that is less than perfect. The most important thing is to learn what is on your report, determine what impact that information has on your credit rating, and work on repairing and restoring any damage that may have been done.

Mortgage loan options are rated by credit, labeled like school grades - "A" credit is the best, then down to A-, B, C, etc. Even if you do not have an A credit rating, we can let you know what your options are if you fall into an A- or lower category. The rates are generally going to be higher, and may require a down payment. If you determine that you are not satisfied with this type of financing, then together we can map out what you need to do with your credit and finances for the next six to twelve months in order to qualify for an A credit loan.

There are three main credit bureaus that most creditors (such as credit card companies, banks, leasing companies, etc) provide information to on a monthly basis. Each month, your credit holders report information to the credit bureaus about your current balance, minimum payment requirements, and credit history. If you need specific information from one of the major credit bureaus, following is the contact information for each of them:

Experian Information Service (XPN)
PO Box 2002 Allen, TX 75013
(888) 397-3742

TransUnion (TUC)
PO Box 1000 Chester, PA 79022
(800) 916-8800

Equifax Information Services (EFX)
PO Box 740243 Atlanta, GA 30374
(800) 685-1111

To receive a FREE Credit Report and consultation, click here.