Credit Scores

Take the Mystery Out of Credit and Improve Your Credit Score by 100 Points – in Just 45 Days Equal Housing Lender. Prospect Mortgage is located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403. Prospect Mortgage, LLC is a Delaware limited liability company licensed by the CA Dept. of Corps. under CRMLA and operates with the following licenses: AZ Mortgage Banker License #BK0903027, #BK0909362, #BK0908046, #BK0908050, #BK0908056, BK#0908057, #BK0908058, #BK0908731, BK#0903112, BK#0903912, BK#0906650, BK#0906913; To check the license status of your CO mortgage broker, visit www.dora.state.co.us/real-estate/index.htm; GA Residential Mortgage License #16984; IL Residential Mortgage Licensee #6424; MA Mortgage Lender/Broker License #MC2011; MS Licensed Mortgage Co.; MT Residential Mortgage Lender Licensee #120; NV Division of Mortgage Lending Mortgage Banker #1173 and Mortgage Broker #3095; Licensed by the NH Banking Dept.; Licensed Banker-NJ Dept. of Banking and Insurance #9932415; Operates as Metrocities Mortgage, LLC in NY (Licensed Mortgage Banker ر NYS Banking Department); Operates as Metrocities Mortgage, LLC in OH (Ohio Mortgage Broker Act, Lic # MB.803629.000); OR Mortgage Lender Licensee #ML-2006; PA Dept. of Banking license #1740; RI Licensed Lender #20021343LL, Broker #20041643LB; licensed by the VA State Corp. Commission as MC-2195. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and pricing are subject to change at any time and without notice. This is not an offer to enter into a rate lock agreement under MN law‭, ‬or any other applicable law‭. – 0509-63‬

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[object Object],What is Credit? What is a credit score? ,[object Object],[object Object]

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Some Facts About Credit…

[object Object],[object Object],[object Object],[object Object],[object Object],What Makes Up a Credit Score

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[object Object],[object Object],[object Object],[object Object],[object Object],Inquiries That Do Not Hurt a Score

[object Object],[object Object],[object Object],[object Object],[object Object],What is Not Included in a Credit Score

[object Object],[object Object],[object Object],[object Object],[object Object],Blemished Credit Can Be Costly

A Higher FICO Score Saves Money The rates shown are averages based on thousands of financial lenders, conducted daily by Informa Research Services, Inc. The 30-year fixed home mortgage APRs are estimated based on the following assumptions. FICO scores between 620 and 850 (500 and 619) assume a Loan Amount of $150,000, 1.0 (0.0) Points, a Single Family - Owner Occupied Property Type and an 80% (60-80%) Loan-to-Value Ratio. APR Source: © 2006, Informa Research Services, Inc., Calabasas, CA. The information has been obtained from various financial institutions and Informa Research Services cannot guarantee the accuracy of such information.

100 Points in 45 Days Let’s Take a Look…. How Can I Increase My Credit Score…

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Pay Past Due Accounts CREDIT SCORE SIMULATIONS Fico Score 1 Missed Payment – (25 – 60 Decrease) 670 610-645 Fico Score Missed Payments & Bankruptcy (120-170 Decrease) 670 500-550

[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Have Late Payments Removed or Have Mistakes

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Take the mystery out of credit and improve your credit score by 100 points – in just 45 days Ray Avanzino Loan Consultant Tel: (650) 576-6531 Email: [email_address] www.rayavanzino.com Questions?

Credit Scores

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