Not knowing what your credit report says about your finances may cost you more when trying to obtain a mortgage. Even those who pay everything on time might have an unaddressed credit issue that is hurting their credit! It is possible for incorrect information to be reported on your credit report, and it is important to identify any issues and correct them before you apply for a mortgage.
What does your credit say about you?
What makes up your credit report?
Your credit score is a numerical representation of your trustworthiness in paying back debt. Each bureau will present you with a credit score based on the data they have.
What is reported?
A few of the items reported on your credit may include:
- Credit Cards
- Department store cards
- Gas cards
- Bank cards
- Airline cards
- Installment Loans
- Mortgage loans
- Auto loans
- Student loans
- Rent (sometimes)
- Collections or judgements
What does your credit history look like?
Credit history is a record of the health of each reporting credit line. Your credit score is created from the list below.
Certified Mortgage Advisor // NMLS #1431347
Hi, I’m Chris! I’ve been a mortgage professional since 2011 and have helped over 2,000 people experience homeownership. I’ve also bought over 100 houses as a real estate investor since 2009. I grew up in a lower class household in a small town where we were on food stamps and sponsored by our church as a family in need. Buying my first home changed my life and I want homeownership to help change yours as well.
Our passion is to help you make informed real estate, mortgage, and wealth decisions by creating a specific mortgage strategy that maximizes your wealth and your wellbeing. Buying a home is likely the largest purchase you will make and also the largest debt you will ever acquire. Being rushed into a mortgage decision by a commission-driven salesperson that does not have your best interest in mind, is not the right thing to do. We have the tools, knowledge, and resources to show you that the lowest mortgage rate is not always the best mortgage strategy. We look to minimize your overall mortgage cost, while simultaneously maximizing the amount of wealth that you build through real estate and other assets. Together, we will navigate the pitfalls of the home buying and mortgage processes, giving you greater confidence and comfort that you’re working with the right Mortgage Advisor.
Prior to venturing into the mortgage industry, I served as an Intelligence Specialist for the US Navy, receiving numerous awards, medals, and certificates, including a Military Excellence Award (the top recruit of over 720) and a Joint Commendation Medal for meritorious service in Iraq supporting Joint Special Operations Command. I graduated from Central Washington University with a Bachelor’s Degree in Economics and a Minor in Business Administration.