I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 1300 Kentucky families buy their first home or refinance their current mortgage for a lower payment; Kentucky First time buyers we still how available down payment assistance with KHC. Free Mortgage applications/ same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS 1738461
Showing posts with label free credit report. Show all posts
Showing posts with label free credit report. Show all posts
Homeownership doesn’t mean you need perfect credit. Some people can buy a home with a 620 credit score.
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
How to Get a Copy of My Credit Reports
By far, the most frequently asked question received at bcsalliance.com is "where do I get a copy of my credit report?" Many people are confused because so many websites are offering free credit reports, but require consumers to sign up for credit monitoring or other services that cost a lot of money just to get a free credit report. I will tell you how to get a truly free no strings attached credit report and you can thank former President George W. Bush for your free credit report. President Bush thought people should receive one free copy of their credit reports each year, so when he was president, he had a law passed requiring the three major credit bureaus -- Equifax, Experian and TransUnion -- to give all consumers a free copy of their credit report once every 12 months. To comply with this law, the three credit bureaus created a website where consumers could get their free credit reports online. The website address is http://www.annualcreditreport.com. Now this doesn't mean that the credit bureaus aren't going to try and get some money from you. If you visit the site and order your credit reports you will see buttons that try and get you to order your "free credit score" and credit monitoring and other services. You don't really need any of these services. The credit scores they offer at this site are the credit bureau credit scores and NOT the FICO credit score that lenders use to approve your home and auto loans and new credit cards, although the credit bureaus' credit scores are probably not that different from the FICO score.
When you visit http://www.annualcreditreport.com you will have to order your three different credit reports separately. Each time you finish ordering from one credit bureau you need to click the link that takes you back to the annualcreditreport.com website to order the next one.
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
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