Are you worried about your credit history? What we need to do is learn what is on your report, determine what impact that information has on your credit rating, and work on repairing and restoring any damage that may have been done.

Mortgage loan options are rated by credit, labeled like school grades – “A” credit is the best, then down to A-, B, C, etc. Even if you do not have an A credit rating, we can let you know what your mortgage options are. The rates are generally going to be higher, and may require a down payment. If you determine that you are not satisfied with this type of financing, then together we can map out what you need to do with your credit and finances for the next six to twelve months in order to qualify for an A credit loan.

There are three main credit bureaus that most creditors (such as credit card companies, banks, leasing companies, etc) provide information to on a monthly basis. Each month, your credit holders report information to the credit bureaus about your current balance, minimum payment requirements and credit history.

You may be able to qualify for our loan programs even if you fall into any of the categories below:

• Bankruptcy
• Mortgage rates
• Judgments
• Liens, charge offs
• Collection accounts
• Foreclosure
• Medical bills
• No credit
• Too many bills
• Turned down by a bank

To order a free credit report and analysis, please call Joyce at (952) 252-0350 or click here to email your request.