You Can Qualify for a Low-Rate Mortgage

 
Mortgage rates are still near record lows.

Sadly some folks aren't able to qualify for these rates due to unemployment, stagnant wages, and low credit scores.

If you aren't qualifying for a refinance right now because of your credit score, we can help you get your score in shape so you can refinance down the road.

To improve your credit score:

• Pay bills on time, all the time. This means all bills, including utility bills. Stay on top of due dates by setting up automatic payments through our online bill payment website.
• Don't max out credit lines. It's best to use part of available credit on a few accounts rather than all available credit on one account. Keep balances low and try not to charge more than you can pay in full each month.
• Don't open or close accounts as a strategy to raise your score. Opening new accounts can send a red flag to lenders that you're taking on new debt and might indicate that you won't be able to pay other debts.
• Check credit reports from the three major credit bureaus—Equifax, Experian, and TransUnion—for free, once each year through annualcreditreport.com, and contact the creditor and the credit bureau to correct any errors.
• Pay fines. Whether it's a parking ticket or a library fine, pay up. If debts are reported to a credit reporting agency, they can knock points off your credit score.

When you're able to refinance, visit us. We can assure you we'll give you the best mortgage rate that you qualify for. Stop by or call today at (800) 897-6991.