Most people do not realize their credit scores go up and down each month with the balances of their credit cards.  If they are maxed out, the score goes lower.

If the balance is over the credit limit, they go MUCH lower.

This happy client was already approved with Gold Financial at 628 credit score.

But, we recommend 2 small tasks that would quickly raise her score and give her a lower interest rate. (Sorry competitors, no secrets revealed here)

FHA loans under 640 get more expensive.  Many Banks and Mortgage Bankers will not even do them.

The credit score improvement for this buyer either lowers the rate by .25% over the life of the loan or saves 1.00% in fees at closing.

On a $200,000 loan, that is $2000 in today’s dollars.

We always work to get our buyers the best deal!

Call us 1st to avoid mortgage problems, Call us 2nd to SOLVE them.J. Scott Harris Vice President – Mortgage Miracle Working NMLS #375517 Gold Financial Services, Inc. Closing FHA / VA & USDA Loans at 580+ in Texas, Oklahoma & Louisiana 5055 Keller Springs Road, Suite 500 Addison, TX 75001 24/7 Mobile: 214-435-8825 Secure Fax: 866-343-3688

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Gold Financial Services, Inc. is a division of Amcap Mortgage, Ltd. NMLS# 129122