HOW TO MAKE A GOOD IMPRESSION ON YOUR LOAN APPLICATION!

Applying our mortgage advice can help you achieve your personal goals. Whether it’s buying up or downsizing, refinancing to fund a business, or restructuring your loan

to improve your cash flow...we can help!

The key to getting great home financing is nailing the “5 C’s of Credit”. Let’s review what

lenders look for so you can improve your chances of getting the ideal loan! Here’s how we

can help convey your credit worthiness…

1.      Capacity

We’ll present your employment history and income sources to satisfy cash flow and

debt-to income ratios.

2.      Credit Scores

Your scores are more important than ever in getting the very best loan terms. We’ll help you

implement a plan to improve your scores where needed!

3.      Credit History

The type of accounts you have, the length of time you’ve had them, and your payment

Patterns will make a difference. We’ll help you implement a plan so that your credit history

enhances your application package!

4.      Collateral

We will coordinate the appraisal and title orders for you to document that the home’s

value and title status meet the lender’s requirements for your target loan program.

5.      Capital (Cash)

We’ll help you properly document your down payment and cash reserves.