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So you are probably asking yourself where do I begin? If you feel you need to work on your credit a little before applying for a mortgage I would suggest visiting www.creditkarma.com. Credit Karma offers a service to the public where you can monitor your credit score completely FREE! The data they provide however is not 100% accurate. It is typically within 20-50 points of what the 3 credit bureaus report, which is where a lender will look to determine your pre-approval.
If your scores range between 580-620 through Credit Karma the next thing I would suggest is pulling your FREE credit report from www.annualcreditreport.com. Most people are not aware this service exists and every 12 months you are entitled to a FREE report from all 3 credit agencies.This will not hurt your credit score. Reviewing these reports can help you catch signs of identity theft, check for accuracy on your credit report, and even dispute things that may not belong to you. These items can have a negative impact on your credit score. If your credit score is above 585 call us to get our lenders to verify you are mortgage ready. 770-573-0855
If your credit is a little more damaged, and you need help from a professional credit counseling service we have recommendations for that as well.
The Nestwell Group has partnered with TruPath Credit, one of the leading credit restoration companies. TruPath Float™ is the fastest and most affordable credit repair program for mortgage qualification.
The program cost $699.00 but with the float program you will only pay $99.00 and The Nestwell Group will cover the $600.00 balance for you once you are credit ready and purchase a home using The Nestwell Group as your REALTORS. It really is that SIMPLE!
TheTruPath Float™ program always start with a FREE consultation. This call takes about 45 minutes and requires an appointment. There is absolutely NO obligation on your part. They want you to feel comfortable about moving forward. After enrolling, they will need to take a look at your credit report. They will show you how to pull your report so it doesn't hurt your credit score. The next step with the TruPath Float™ program is you’ll receive an action plan that they build based on your unique credit file. You will then get a action plan review call which typically takes about a half hour. Credit repair does not happen overnight. If you follow the program and do the things they suggest most clients will see great results within 3-6 months. For some this
process may take slightly longer but the program works, if you work it! If you have any questions give us a call at 770-573-0855 for answers.