Credit 101

Credit Score Overview

Credit Score Overview

Credit is extremely specific and very complex. This credit overview is to provide a better understanding of how credit works when getting a home loan. Table of Contents Things You Should Know Things You Should Know Three...
Credit Bureau Apps: Protect Your Credit

Credit Bureau Apps: Protect Your Credit

Credit scores are like trust; they take years to build and seconds to break. Protect your credit and download the credit bureau apps. Each credit bureau offers the option to freeze, and unfreeze, your credit report for free. A credit freeze prevents...
Opt Out Of Credit Solicitations

Opt Out Of Credit Solicitations

Unfortunately the three credit bureaus - Experian, Equifax, and TransUnion - may be selling your information when a credit inquiry is made. This prompts unwanted solicitations and phone calls. The good news is that you can opt out credit solicitations....
Credit Score FAQs

Credit Score FAQs

Credit Score Overview Credit scores mean the difference between getting approved for a loan or denied. Credit scores also determine what interest rate you may receive, getting approved for a place to live and getting the utilities you...
Remove Credit Report Disputes

Remove Credit Report Disputes

Credit reports aren't always perfect and occasionally certain items will need to be corrected - that's where credit disputes enter the picture. When applying for a mortgage home loan, a credit report must be accurate and without disputes. Removing...
Bankruptcy and Foreclosure Seasoning

Bankruptcy and Foreclosure Seasoning

Below are the seasoning requirements for various types of loans. Foreclosures, Short Sales, Deed-in-Lieu, Pre-foreclosure, and Charge-Off of Mortgages are all treated the same when it comes to seasoning requirements. All are measured from the date...
The Five Categories of Credit

The Five Categories of Credit

      When purchasing or refinancing a home, your credit scores can impact your potential mortgage interest rate and your APR. This is true for all types of loans: purchases, refinances, cash out refinances, home equity loans, HELOCs,...