OTHER SERVICES

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OTHER SERVICES 〰️

  • Home Loan Pre-Approvals

    Pre-Approvals take about 24 hours to be issued after you submit your application - not days or weeks. The only catch is that you have to help by providing all requested documents in that timeframe.

    Having a Pre-Approval when you put in an offer to purchase a home will strengthen your offer by adding more credibility to your offer and show the seller that you can afford the home.

  • Soft Credit Pull

    A soft credit pull won’t affect your credit score.

    Mortgage lenders use a tougher credit scoring model that is customized for the type of credit product you’re applying for because they need to be extra sure you can pay back large debts. There's a good chance our scoring model will provide a different score than the one you get from a free third-party website, such as Credit Karma. The credit scores you receive from those third–party providers are meant to be educational. They’ll give you a broad understanding of your credit score and can help you track overall trends in your creditworthiness, but they aren’t always totally accurate.

    Mortgage lenders do a more thorough review of your credit, not a snapshot of the past 12 months (which is what those third-party sites review).

  • Credit Analysis

    A credit analysis will provide the needed steps to raise your credit score within a certain timeframe. This could be by paying down credit cards, taking yourself off as an authorized user, and possibly opening a credit card to establish credit.

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