Category Archives: Brett’s Mortgage Blog

Before You Have A Company Work On Your Credit – Do This First…

Good Morning!

I just wanted to remind you that if you are thinking about doing credit repair – please let me take a look at your credit first.

I say this for three reasons…

1) There are often cheaper, quicker, and easier steps you can take to bump your scores than full blown credit repair.

2) Full blown credit repair can take a while to complete – and some companies charge A LOT for it.

3) Many credit repair companies employ wholesale “disputing” of your accounts. If you’re not careful – this can get you stuck in what I like to call “dispute cement”. …and it can kill your loan.

So, if you are thinking about employing a credit repair company – I would encourage you to let me take a look first.

…Just give me a call or shoot me an email. Tell me what you are considering.

…I just might be able to save you money – and get you in a house sooner!

Thanks for reading – and have a great day!

Brett

Another 26 Point Credit Improvement Just Last Week From Adding This Account…

Good Morning!

I just had another example last week of one of my borrower’s scores going up 26 points in 30 days from adding this card to their credit.

It will cost you $100 to open the account, but they give you a $5,000 credit line. (and that’s why the bureaus like it)

So, if you need some points on your credit – try it out…

www.oxp.to/ycanswer

Thanks for reading – and have a great day!

Brett

If You Are Having Trouble Making Your House Payments – I Found Something That Can Save You Thousands…

If you are having trouble making your house payments – I have something you might want to look at.

There are Loan Modification shops out there that will charge you thousands of dollars for something you can do yourself.

Here Are Your Options For Getting A Cash Out Loan In Texas…

If you are thinking about getting cash out of your home – I want you to know your options.

We have some complicated cash out laws in the State of Texas. So, here’s what you need to know…

Here’s The Credit Improvement Secret From Friday’s Video…

I didn’t envision this when I made Friday’s video message to you.

…but some of you were a little irked that I didn’t give away the secret tactic I referred to in the video email.

I Made A Video For You – Another Way To Bump Your Credit Scores…

If you are wanting to improve your credit scores – you are in luck!

…I just posted another video on my web site that can show you another way to get your scores up.

Major Banks Going To 640 Credit Score Cut Off For FHA… But, Not Me!

There was an announcement in the mortgage market late last week that many of the major banks have gone to a minimum score of 640 for all FHA loans.

…Well, that may be the case for them – but not me!

You Can Buy A Nice House Making Just $10 An Hour – This Lady Did…

You don’t have to make a lot of money to buy a house!

Nine days ago I closed a loan for a person that made $10.25 an hour – and she bought a $94,500 house.

Your Credit Score Is Ok – But Still Got Declined? …This Might Be Why.

Hope you had a good weekend!

I see this situation often – so I wanted to revisit the idea of overlay guidelines with you.

You Can Still Get A Loan For A Manufactured Home Here…

It’s getting harder and harder to find mortgage companies that will still do loans for manufactured homes.

…but, I still do loans for manufactured homes!