Loan Information
Credit Report
The amount of house you can afford is proportianal to your income. The type of loan that you qualify for and the interest rate on that loan is dependent on your credit scores.
Each loan has its own rules on what is allowed and then each bank must use these rules with the option of having the requirements more stringent.
In an effort to provide you with more information and help in acquireing your dream home, there are some websites that will help you with finding out your credit scores and repairing or improving them as needed.
The first one is where every one should start and they should get on a schedule of requesting this report every year or 13 month. The website is Annual Credit Report.com
AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion.
AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).
Envoy Mortgage/Jerry Stewart
Envoy Mortgage describes us well. An Envoy is a professional representative, someone who represents the interests of others in high-level matters. As we assist our borrowers, we aspire to a level of professional service equal to that of an Envoy. By providing unmatched service, we become Envoys for our borrowers to help them maintain and fulfill their dreams of home ownership. Whether you are purchasing a home for the First time, a repeat buyer or looking to refinance an existing loan it is vital to stay current on the latest updates to the home finance process. Envoy Mortgage is a full-service mortgage banker, operating more than 100 offices throughout the country. Envoy currently has more than 1000 employees, each dedicated to delivering superior customer service and excellence.
The mortgage approval process begins with you submitting an application through your personal mortgage banker. Feel free to start this process today on this Branch Website. Once your Envoy Mortgage Banker has received your online application you will be contacted immediately and supporting documentation may be requested.
Our commitment to you begins with understanding your needs. Once we observe and invest in this process we will offer practical direction. There is excellence in everything we do. On behalf of the entire Envoy management team, we look forward to sharing this excellence with you.
Advantage Bank/Barbara Morgan
Email Barbara Morgan
Equal Housing Opportunity.
