Intelligent Credit Report

Credit Score Tools

Getting the best rate possible on your mortgage sometimes depends on working on your credit.  We have sought out the most effective tools available today to help our clients achieve the best possible outcome with their mortgage.

The Intelligent Credit Report: The Industry's Only Credit Report with Brains.

We can pre-qualify you with the standard, traditional paper credit report that most lenders use, or we can pre-qualify you using an Intelligent Credit Report.  The Intelligent Credit Report interprets tradelines, detects data errors, predicts Fannie Mae/Freddie Mac underwriting conditions and even suggests ways you can legitimately strengthen your scores in 72 hours.

The Intelligent Credit Report uses built in software to give you the best chance to qualify.  Use it to see what the underwriting conditions will be - before we submit your file!  Use it to see if there are errors or other issues in the file that may be wrongfully lowering your score - and how many more points you can add.

If you are presently prequalified using only a paper credit report you're not seeing the whole credit picture, and you may be missing out on opportunities to better your rate.

Additionally, if your credit is in a state of disrepair too great to overcome within 30 to 60 days we introduce you to the following...

AVAIL Mortgage Credit Coaching

Enrolling in AVAIL is like putting your credit file on an exercise plan.  Even if you have legitimately missed payments you can begin taking steps toward better credit health, and higher credit scores, right now.   And it's so easy anyone can do it.

AVAIL is the only automated credit coaching and educational tool used in conjunction with a mortgage professional for the purpose of helping you qualify for a new or improved mortgage loan.  Once you enroll in the program AVAIL analyzes your present credit file and calculates a strategy to improve it.  Every 90 days AVAIL evaluates your progress and provides further suggestions.  Over the course of the one year program your mortgage sponsor will be there to answer questions, and even notify you if you qualify for a new or better mortgage loan.

Click here to watch informative AVAIL video.