by Stephen | Dec 14, 2021 | Credit
This is a question I get asked often as a loan officer since credit is such a large part of the home buying process. Having a good credit score when making a large financial purchase whether it be a home or a car or anything of significant value for that matter makes...
by Stephen | Nov 16, 2021 | Credit
A consumers credit score is one of the most important items of consideration a lender will evaluate when reviewing a loan application. Building a good credit score and maintaining that credit score is one of the most important things a consumer can do to create a...
by Stephen | Nov 5, 2021 | Credit
If you thought grades ended when your school career ended you might want to think again. A consumer’s credit score can be thought of as a grade that rates each of us on our creditworthiness and a little bit about our financial health. Maintaining a good credit score...
by Stephen | Oct 26, 2021 | Credit
The two most well known companies in the credit scoring world use different scoring models to arrive at your credit score When applying for credit of any kind our credit score is one of the most important factors that is considered in any lending decision. For this...
by Stephen | Oct 14, 2021 | Credit
As a loan officer I see all too often a client that is a solid candidate to buy a home, except for one thing, a large car payment. With cars becoming more complex due to on-board computers and sophisticated electronics on most new vehicles, car buyers need to find...
by Stephen | Sep 22, 2021 | Credit
It can be quite a challenge to establish credit as a young adult if you go in to the process without a plan. There really isn’t an established playbook on how to establish good credit since there are many ways to accomplish this objective. But even if you begin the...
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