silverdale: Loan Specialist in Silverdale - 11/11/11 07:49 AM
Loan Specialist in SilverdaleWashington; Shane McGraw
 
Shane McGraw, a VA loan specialist with Legacy Group Lending in Silverdale WA, is a highly intelligent and caringindividual, looking specifically to assist those around him as productively as he can.  As a loan specialist, Shane McGraw is dedicated to guaranteeing that the men and women of the armed forces can feel comfortable in knowing that they are working with a trusted advisor who will assist them in making the most informative decisions in regards to mortgages.  Shane also takes the time to make sure that the advice he gives as a loan specialist … (0 comments)

silverdale: Understanding the FICO Scoring Model - 04/12/11 08:58 AM
Understanding the FICO Scoring Model
Building good credit is a balancing act. If you have too much debt, then your scores will suffer. If you have no credit then your credit scores will suffer as well. There are 5 factors that determine your overall creditworthiness. Any of these five factors will affect your credit score either positively or negatively.
Your credit report will show all 5 of these factors in what is called a tri-merge report. This report is produced by each of the major national credit bureaus. Equifax, Experian, and TransUnion all use versions of the Fair Isaac Co (FICO) … (2 comments)

silverdale: New "Military & Veteran Home Loan Unit" coming to Silverdale! - 04/12/11 08:44 AM
I am very excited to share BIG news with all of you.  The Legacy Group in Silverdale has launched the "Military and Veteran Home Loan Unit."  This unit is made up of eight experienced loan officers, myself included, all working together to help Military and Veteran families in Kitsap County create security through residential home ownership.
We have decided to team up with the Kitsap Navy News to spread the news about who we are and how we can help military.  Check out this link to their website http://kitsapnavynews.com/.  If you are interested in receiving the Kitsap Navy News feel free … (0 comments)

silverdale: Military Resources to Save Money - 01/26/11 05:38 AM
As a disabled veteran and now a loan officer in Kitsap County,  I know how hard it is to stay on top of your finances and be saving in today's economy.   That is the main reason why I became a loan officer, I wanted to help others receive the finances needed and get into the home of their dreams.  Most people are just not aware of the resources available to military personal who need help with their finances.  Here is a list of different sites and organizations that are dedicated to helping those who've served us.  I hope this list is helpful to you and your family … (0 comments)

silverdale: Credit Repair Blog 4: Prepare your credit report for a mortgage - 01/25/11 10:09 AM
When reading through my credit repair blogs, please keep in mind that if you have questions about your own situation that you are welcome to contact me. I'd be happy to take a look at your credit report and give you some one on one advice on how to improve your score and lendability.
I'm going to go a little out of order on topics and write about something that's been on my mind: How to prepare your credit report for a mortgage.
If buying or refinancing a home is in your near future (the next 12 mos.) you'll want to … (1 comments)

silverdale: Credit Repair blog 3: Old vs. New accounts - 01/25/11 10:05 AM
Credit Repair blog 3: Old vs. New accounts
So now you've learned how to get collection accounts paid off and or removed from your credit report. You've also learned the difference between installment and revolving loans and how each influences your score. Well what about the age of your accounts? How does that affect your credit report?
Time is one of the most noteworthy factors that can improve your credit score. Establishing a long history of paying your bills on time and using credit conscientiously will ensure your score stays at a healthy number for the long term. It should go … (0 comments)

silverdale: Credit Repair Blog 2: Installment Vs. Revolving - 01/25/11 08:30 AM
Have you ever asked yourself what is the difference between a revolving account and an installment account and how does each affect your credit? Well you're not alone I've had many clients as well as friends and family ask me this very question. First, you'll need to know what makes an account revolving and what makes an account installment.
Revolving credit is credit extended to you in the form of a major credit card, department store credit card, and even Home Equity Lines of Credit. The creditor will set a maximum spending amount that you can charge on this card and … (3 comments)

silverdale: Get to Know Your Credit - 01/25/11 08:19 AM
Can you list off every account that should be reporting to your credit report and what the balances are for each? If not, I recommend sitting down with a copy of your report and really getting to know each account listed, i.e. are all of your payments showed as paid on time? How many revolving accounts do you have?
If you are just getting to know what a credit report is and how it can work for or against you, take a look at this glossary of terms.
Now you're familiar with the terms listed on your report, how many accounts … (3 comments)

 
Shane McGraw, VA Home Loan Specialist (Legacy Group Lending)

Shane McGraw

VA Home Loan Specialist

Silverdale, WA

More about me…

Legacy Group Lending

Address: 2819 NW Kitsap Pl Suite 201, Silverdale, WA, 98383

Office: (360) 519-7597

Email Me



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