Getting Started
Congratulations on going through each of the lessons. If you have questions prior to getting started please feel free to submit any questions you may have.
Once you have been through the lessons, you are ready to take the NEXT STEPS.
Option 1: If you know you need help on building a credit history or you have weaker credit and you need help on building your credit score there are a couple of different options. You can work through things on your own, self learning / effort, or you can invest a little time and money to have some assistance.
The service below is completely free to use and a great safe way to monitor your credit.
Option 2: If you're not sure if you qualify, what you qualify for and/or what your credit score is then it's often best to complete an online application. There is a fair amount of information which will be needed to complete the online application. We have provided a checklist of items the lender will request to verify and document the information that you supply on your application.
Once you have all the information gathered then we are ready to complete a free online application. CONGRATULATIONS! Yes, this is very exciting and we're one step closer to fulfilling the dream of "Buying A Home."
VERY IMPORTANT NOTE: It is VERY IMPORTANT to have ALL the required information. The mortgage application, in a way, is like a car and just like a car if we're missing one piece of information it can affect the application. The spark plugs in a car are such a small part of the overall car but the car will not run without them.
The same thing is true with a mortgage. There are many small parts or information within the application which may seem like they are not that valuable . . . but they are. It is better to provide too much information rather than not enough.
It is our responsibility to take all the information you provide and organize that information in such a way that we present you to the underwriter (person who approves your loan) in the best possible light.
There are no two people's situation which is exactly alike. There are positives and then things in every application which need to be explained and clarified. Our responsibility to you is to highlight those things which are positive and to provide supporting information, compensating factors for anything that may not be as strong as the underwriter might like to see.
You can help us with this by providing us with all the information possible up front. Your extra effort on the upfront will SAVE YOU A LOT OF TIME going forward and will help us to best serve you.
