REPAIR CREDIT
Credit
repair is a difficult, time consuming endeavor -- but there is hope!.
Also information on credit reports,
mortgage calculators and
shopping for a home loan
How do I
repair my credit? To
dispel any myths, there are no quick fixes to repair credit.
Credit repair requires time and money. Nearly everyone
has items on their credit report which are not quite correct.
Individuals can dispute these incorrect items. The
credit reporting agencies such as Experian, Equifax and Trans
Union then have 30 days to investigate the dispute. In
many instances, for whatever reason, the dispute is not
resolved within 30 days. In that case, the credit
reporting company removes the disputed item from your credit
report. This process is repeated over and over.
It works, but it takes time and some money. It is
highly recommended that work with a REPUTABLE
professional to repair your credit.
Great Homes in
Portland has researched several companies and found that
Lexington Law has a great reputation and record of success.
Most engagements take 3-9 months, which really depends on the
amount of credit repair that is needed. Please click on the
banner below for more information on how to repair your credit
through Lexington Law.
CREDIT REPORTS
What is a credit report?. There are 3 companies that
monitor your credit: Experian, Trans Union and Equifax.
Different mortgage lenders / mortgage brokers use different companies.
That's why it's important to make sure you order a 3-in-1 credit
report. A 3-in-1 credit report will pull your credit
report from all 3
companies and pull all the data together into one credit report.
The price is usually around $35.00. For your
convenience, Great Homes in Portland recommends CreditReporting.com,
click on the banner below to order your 3-in-1 Credit Report for $34.90.
Because it's important to
safeguard the security of your credit report,
creditreporting.com will ask you many questions to assure that
you are who you say you are. Please be patient and have
your financial and loan records close at hand.
Additionally, if you have moved recently, changed jobs and /
or phone numbers, this information will most likely be
required as well. If creditreporting.com is unable to verify
your information, they will probably mail you the
report. However, in most instances your credit report
should be available for immediate download, printing and
reading!
MORTGAGE CALCULATORS
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Estimate
Monthly Payment and Affordability.
Use our online mortgage
calculators to get an idea of how much home you can afford,
what your monthly payments will be and savings that result
when you pay just a little more each month to pay down your
mortgage early.
SHOP FOR A MORTGAGE
When shopping for
a mortgage it's important to know that different lenders have
different programs and different rates. Just like shopping for
car insurance, it's important to shop around for the best
mortgage rates and terms. Great Homes in Portland has
spent a considerable amount of time researching various
services that match homebuyers with lenders and/ or mortgage
brokers. We've concluded that TheLoanPage.com
does the best job of providing homebuyers with the most
choices for a mortgage loan.
Click on the
TheLoanPage.com banner below and fill out the short Mortgage Quote Form.
This information will be submitted to lenders who provide
mortgage services in your area. They will provide you
with a "customized mortgage quote" based on your specific
needs and situation. It's simple and you are not asked
for your social security number or anything like that.
Lenders in your area will contact you via phone or email to
see how they can help finance your home purchase.
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