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(561) 228-8563
(718) 701-5127

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We know which lenders are best suited to you, your particular credit, income, employment, history, and current status.

Most lenders use FICO® scores as their primary method to estimate risk for an individual's application.

Associate Mortgage knows there is more to consider than just a person's Credit Report or FICO® score.

Many of Associate Mortgage's lenders approve loans after considering additional information or special circumstances, they may extend you credit even if your score is low.

Associate Mortgage knows there is more to consider than just a person's Credit Report or FICOŽ score.

These reports shouldn't be the only factor evaluated for every loan application, every one is unique!

Clients often come to me after having their credit pulled by a number of brokers and/or lenders and Their Scores have gone down!!!! Federal Law says credit scores will not be affected by credit pulls while shopping for a loan or mortgage. BUT, Your credit scores ARE PULLED DOWN each time your credit is pulled or requested outside a 14 day time frame. This WILL effect your qualifying for the best rates and terms which would have been available to you at the first pull.

Wait until you have selected a Broker or Lender whom you feel confident will deliver what they state.

In the meantime: Look at these pages for more  information:

An Overview of Credit

Pulling Credit Reports

Credit

FICO Scores

Add Accounts to Your Credit Report

Improving Your Scores

The Fair Credit Reporting Act (FCRA)

Order Credit NOW!  

ScoreWizard

Customized Services - Request Quote

When you contact Associate Mortgage we will ask your permission to pull your credit. Typically this is performed after talking about your needs, wants and learning more about your qualifications, e.g., employment and debts. If you know you have credit problems, or if there may be issues unresolved, it may be best to let your mortgage broker pull your credit and review it with you in detail.

Learn more about Credit Reports & Pulling Your Score Down

Learn more about your FICO Scores

Contact us directly at (561) 228-8563 or (888) 431-6387, ask us a question or two. Or, click on our Live Chat to message us now!

We look forward to hearing from you, our most important client!

 

Apply Now OnLine: Secure Mortgage Application for Purchase or Refinance of Real Estate in Florida and New York

 

Page Updated: 04/24/2008


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