
Services Provided One of the most crucial steps in applying for a mortgage is obtaining an accurate credit report. This Is more important than ever before because of the recent tightening of guidelines in response to the troubled sub prime market. NOW FEATURING CreditXpert Explore how various actions may impact your credit scores-before you take them. We can experiment with actions-individually or simultaneously- from making payments to opening or closing accounts,transferring balances, and more. We make factors impacting your credit score easy to understand. The mortgage process should start 6 months to a year before application. People seldom have this much time to prepare but ideally it is best to start as early as possible. That will give you time to understand and clear any credit problems and mistakes. We order and analyse Credit Reports with you. We analyse your income / debt to pre - qualify you for a mortgage loan. We educate and advise you about various mortgage products. We compare multiple lender programs to determine the best fit. We collect all data necessary ( W-2's, tax returns,etc.) to process your loan. We maintain contact between Borrower, Realtor, Lender & Title Company. We initiate / order all verifications, appraisals and inspections. We provide all disclosures, Good Faith, Truth in Lending and all other RESPA documents as required by State and Federal Law. We arrange the Closing at the Title Company or at your home. |
| Need a FREE Credit Report? Ask Us! Note- Multiple credit reports beyond a 30 day period will lower your scores! |
| David Reid 262-547-8048 davidsreid@sbcglobal.net |

| Services Provided |