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What’s important when you’re getting a loan? You need all three:
1. Your Credit Score. All our loans have credit score requirements.
2. A two-year history in education. If you're a recent college graduate, college can count in that history. Another ISD still counts as history.
3. Debt-to-Income ratio. If your fixed bills each month are less than a certain percentage of your gross pay, you may be able to qualify for a house.
We work with an outstanding credit repair agency, www.risingpointsolutions.com, that will offer you incentives for your LampLighterOne home when you finish raising your scores.
As the branch manager for Primary Residential Mortgage, Inc., I select the loan that will give you the lowest rates and the most favorable terms, whether FHA, Conventional, VA, or USDA. By working directly with a bank, you can reduce the commission you pay for your loan! Why pay someone else to shop for what you can get directly from the bank itself?
How do you start? Go to "How do I pre-qualify?" on the left side navigation bar. It is the same application for:
1. a Credit Check,
2. a Refinance,
3. a Mortgage Loan, or
4. a Pre-Qualification.
Be sure to fill out the form completely so it can be processed!
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