Understanding Your Credit

The Importance of Your Credit Report

As part of the application process your lender will check your credit by ordering a credit report. Your credit report is a record of how well you have managed your finances in the past such as: credit cards, car loans, student loans, etc.

How to get your credit report

The Fair and Accurate Credit Transactions Act (FACTA) allows you to request a free credit report once every 12 months from each of the 3 credit reporting agencies. To receive a free credit report, visit AnnualCreditReport.com or call (877) 322-8228.

What to look for on your credit report

It's important to review your credit report and clear up any errors or unresolved negative issues by contacting the credit lender such as:

  • A credit limit that is lower than what your billing statement shows
  • Accounts that are not yours but appear on your credit report
  • Open accounts you thought were paid off or bills that show delinquencies
  • Inaccurate information that can be removed by your credit provider

Mortgage Rates


30 Year Fixed conforming  no cost

5.990% 5.990%
15 Year Fixed Conforming  no cost 5.625% 5.625%
Super Jumbo to 2000,000   6.250% 6.371%
Hi Balance 30 Year Fixed   6.125% 6.125%
VA / FHA 30 Year Fixed  5.500% 5.722%

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