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Credit Guidelines for USDA Rural Home Loans

February 23, 2021 By JMcHood

You need credit to get a mortgage, that’s common knowledge. But what if you don’t have a credit score? Will the USDA still consider you for a mortgage? Compare Offers from Several Mortgage Lenders. While it seems odd, you may still be able to get a USDA loan even if you don’t have a credit score. While the USDA and USDA lenders would prefer it if you had a credit score and long credit history, they do offer alternative methods to … [Read more...]

Debt Consolidation and Debt Settlement – What’s the Difference?

December 9, 2019 By JMcHood

You are ready to buy a house – congratulations! Before you start, though, you need to do the hard work of finding a mortgage. If this is your first home, you may not even realize how many mortgage programs are available today. It’s more than choosing the right interest rate or even the right term – you have to put all of the pieces together to choose the right loan. Get Matched with a Lender, Click Here. The Type of Loan First, you … [Read more...]

Consolidating Debt With a Cash-Out Refinance

July 14, 2017 By JMcHood

Being in serious debt is scary. When you can’t make ends meet, you wonder what will happen. Before you let collection calls and judgments take over your life, consider debt consolidation. If your debts are too high for a balance transfer credit card or personal loan, you have other options. One way is with a cash-out refinance. You can use the equity in your home to pay off your debts. We’ll discuss how this works and the … [Read more...]

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When inquiring about a mortgage on this site, this is not a mortgage application. Upon the completion of your inquiry, we will work hard to match you with a lender who may assist you with a mortgage application and provide mortgage product eligibility requirements for your individual situation.

Any mortgage product that a lender may offer you will carry fees or costs including closing costs, origination points, and/or refinancing fees. In many instances, fees or costs can amount to several thousand dollars and can be due upon the origination of the mortgage credit product.

When applying for a mortgage credit product, lenders will commonly require you to provide a valid social security number and submit to a credit check . Consumers who do not have the minimum acceptable credit required by the lender are unlikely to be approved for mortgage refinancing.

Minimum credit ratings may vary according to lender and mortgage product. In the event that you do not qualify for a credit rating based on the required minimum credit rating, a lender may or may not introduce you to a credit counseling service or credit improvement company who may or may not be able to assist you with improving your credit for a fee.

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