I had an interesting experience with a client last month. They wanted to buy a home and wanted me to be their mortgage person. They were very close lipped on their finances and the husband did not want to use his credit or his income. He said he had blemishes on his credit report, but he had 700+ scores.
Without his income they could not qualify for a loan, get pre-approved for a home, or buy a Michigan home they wanted. I never found out what was wrong with his credit, as they backed off from buying a home. The wife had said he won't even tell the wife what is wrong with his credit. He was trying to solve the issue himself.
When you go to a mortgage person or loan officer let us help you. I have helped many clients take their scores from the 500's to good credit. We know the in's and out's of getting your credit problems resolved. We can usually take you step by step through your credit report and tell you what you need to do.
I do not mind doing this. At one time when I was younger I had bad credit. I worked through it and you can too. It takes time, and sometimes some work. But then you will be able to buy a home, get a better mortgage interest rate, and save money on mortgage payments.. It is a service that we do free of charge.
We know the business and the banks. Some banks have different requirements. If that client would have opened up, we probably would have been able to help them. They would not be renting right now.
If you have credit issues, live in Michigan, and want to get back on the right track so you can buy a home. Email me at email@example.com or go to my website www.russravary.com I will help you get back on track to good credit. YOU CAN DO IT. IT JUST TAKES A LITTLE TIME. For more on credit scores feel free to go to my website. Have a great night Russ Ravary