"A Firm Foundation for

Your Home Loan"

CUSTOMERS FIRST

Borrowers who are happy with the mortgage loans we have helped them get are more important to us than anything else. Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business. By putting you first, we assure you a pleasurable transaction.  Getting pre-qualified or pre-approved is very important!

There are major steps you must take to assure you will qualify for a loan.  Credit, Income type, Assets and property type all come into play.

Your credit is considered the most important issue; as all Mortgage Loan Programs have credit score ranges that you must meet.  Prior to meeting with us please obtain a copy of your triple merge credit report with scores.  This way you will be aware of problems and working on them prior to our meeting.  The repair process can be a  timely process.  Some loan programs are requiring a middle credit score of 580, most 600.  Below is information to assist you with obtaining your report.  If you need a report quicker, call and set up an appointment with one of our Loan Officers, we can order for you at a minimal fee.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.

Q: How do I order my free report?

A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

Within our website you can find numerous tools available to answer virtually any mortgage question.  Take a tour of the numerous calculators we offer:

• Should you refinance, payments and numerous other calculations
• We offer numerous Loans-get pre-qualified and find out which one is best for you.