Hi! I am Pauline Michelle, your professional Mortgage Consultant. I am here today to let you know that regardless of your past credit history you can still obtain the mortgage loan that you desire. Although today's lending market is not where it was a few years ago, there is someone still closing on a deal each and everyday and that person can be you.
We all know the market is not the same as it has been due to a variety of factors and it has been very tough to secure a loan, especially with bad credit. However, decreases in real estate prices make it a perfect opportunity to buy while the prices rise. Interest rates have come down and the loan market has opened up nicely. Contact me and I will show you how to take advantage of this market by asking sellers to pay closing calls or by obtaining down payment assistants when needed.
Now is the best time to secure your loan with the possibilities of saving thousands or dollars over the life of the loan. It's not all about credit. I encourage you to visit my website at loansbypauline.com, for valuable information on how to achieve your mortgage financing goals.
Keep in mind, it's now all about credit. Credit is just one factor in obtaining the loan you need. We have great options for borrowers with no housing history and scores as low as 580. In addition we tailor to the needs of individuals with impacted credit. There are options available for borrowers with scores as low as 350. That's correct, scores as low as 350. We even get individuals who are currently in bankruptcy or fresh out of bankruptcy, a fresh start at building equity. You are probably wondering how is that possible or how do you qualify? Well, it's very simple. Whether you are buying a home, refinancing, or consolidating your debt. With our help you can use your home as a powerful financial tool.
We can do just about any credit scenario as long as there is a good reason for the past delinquencies and there has been reasonable effort to get back on track. If for any reason we can't secure your loan due to credit situations, we have credit repair services available to get you where you need to be. The repairs can usually be completed within 72 hours instead of waiting six months to a year with other credit repair services.
Now this is really easy, everyone has a bump in the road every once in a while, but he gets back on track. It is important that you have accepted responsibility for your past credit situation, such as Collection and Charge-Off-Accounts. So, for example let's say you are a person who started off with decent and good credit but lost your job. But prior to losing your job, you were responsible with paying your bills on time. When we look at your credit report we will see a date when everything started to go bad. That is usually where the late payment starts. But then we will see a time when everything gets back on track and your bills are paid on time but unfortunately your credit score is still low.
The loan products we have are perfect for this example given. Keep in mind everyone's credit situation is different and this is only an example. We approach each individual differently so that we are able meet your needs and provides you with the financing you desire.
I have partnered with Mortgage Tree Capital to get you the mortgage loan you desire. Let's take a look at what we can offer you. Please visit www.loansbypauline.com for a prequalification and get any questions you may have answered.
We lend in 44 states including Canada. We offer the following services: Loans for your purchase, Refinances, Cash Out Refinances, Low to No Down Payments, Home Equity Lines of Credit, Second Mortgages, First Time Buyer Programs, Special Teacher Financing, Military, VA, FHA, and Government Worker Program including Police and Firefighters. We have Low Income Programs, Hard Money Loans, Construction Loans. We are your 500-600 Credit Score Specialists.
Again, we lend in 44 states including Canada. We have 100 of loan programs including the perfect one for you. Please, visit www.loansbypauline.com or call 1-877-270-0352 extension 716. We look forward to working with you, thanks for listening to my presentation and have a great day.
Transcription by:
Scribe4you Transcription Services