How's your FICO?
The primary factors in your credit report are:

Credit History - How long have you had credit?
Payment History - Do you pay your bills on time?
Credit Card Balances - How much do you owe on how many accounts?
Credit Inquiries - How many times have you had your credit checked?

With The Easy Refi Company, we do have Lenders who will fund on Fico Scores as low as 500.

Should you talk to a mortgage professional before house hunting?
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and how much we can loan you. We do this by considering your income and debts, your employment and residence situations, your available funds for down payment and required reserves, and some other things. It's short and to the point, and we keep the paperwork to a minimum!
More importantly, to a home seller, your being pre-qualified is like you walked into their house with a suitcase full of cash to make the deal! They won't have to wonder if they're wasting their time because you'll never qualify for a mortgage to finance the amount you're offering for the home. You have the clout of a buyer ready to make the deal right now!

Five ways to make the loan process go faster
1. Have everything ready and in one place.
2. Be honest and complete when you fill out your application. Generally, the loan process takes longer with incorrect or misstated information. We believe in ethical practices. We are here to make the loan happen so there is no need to provide inaccurate information.
3. Respond promptly to requests for additional information. We may need additional information so please provide it as soon as you get the request, or return the call as soon as you get the message.
4. Be prepared to explain derogatory items in your credit report The loan processor isn't judging you.
5. Let the appraiser in! If you're refinancing and the appraiser calls to make an appointment, make it as soon as convenient for both of you.

Let us help you explore all your mortgage options. We look forward to helping you “make it easy”!