HomeTrust Mortgage Corporation
1475 E. Woodfield Road #110
Schaumburg, IL 60173
Cell Phone: 847.217.7030
We can do: FHA, Conventional, USDA, VA, HARP, Interest Only, Home Equity, Fixed, and Variable. Find out which product is right for you by calling Brad at (630) 639-1081.
Sr. Loan Officer
Mobile Phone: (630) 639-1081
3130 Finley Rd. Suite 510C
Downers Grove, IL 60515
Please look at the dates of the questions you are answering. This question is 2.5 years old and Theresa has long ago made her choice. There are new questions going unanswered all the time. Please check for "Most Recent" when answering rather than add on to an old thread. You'll benefit more and so will the community.
You do not need to hire a credit counseling company to clear this up! A good loan officer and a good Realtor can help you get to where you want to be. It will take time and patience but will be well worth it in the long run!
I must tell you that I do not work with all potential borrowers just as they do not work with me. I am straight forward and to the point. In addition to that, I treat every borrower with the same level of service that I expect for myself when making important financial decisions. I use my 13 years of experience in the mortgage industry to provide the best products available for my borrowers and their specific needs.
I would like the opportunity to have a brief conversation with you to discuss your expectations. If you feel that you would like to talk sooner, do not hesitate to call or reply at any time. I have attached an application for your convenience as well.
Our mission, at Quality Mortgage Lending, is to secure the best mortgage available for our clients. We will work diligently to find you the best possible terms, helping you achieve your financial goals in a friendly and professional manner. Our clients truly do come first and will be treated with the utmost respect and forthrightness. You will notice the difference from the initial consultation. Call today and ask how Quality Mortgage Lending can help you.
Leonard M. Pollard-NMLS#225784
Your income is enough to own a home but based on your question your credit score will be your problem. There are reasons you score is low, typically it would reflect late payments, high credit balances and possibly collection activities.
I would highly encourage you to get your budget lined up and have a plan to avoid any of these events in the future. Not paying bills on time is a good reason for a lender to reject your application. You probably pay your rent on time, but the bank won't bet on that based on your past.
Start a new past today. Create a budget and live with it. If you need help, there are lots of places who can help you or contact me for some referrals.
Once you have several months of on time payments, there are some additional steps to improve your credit and get you ready for a mortgage approval. Best of luck.
I will gladly provide names of highly skilled professionals who would welcome the opportunity to help you achieve your goal! Please give me a call or email me for these names. 630-291-4700 firstname.lastname@example.org
Looking forward to helping you!
Elk Grove Village IL