Michael Bon

Credit challenges obviously bring discouragement to those wanting to purchase their first home. With home prices having deflated and interest rates still at historical low consumers are now showing buying optimism. As consumers get wrapped up in the excitement they sometimes forget today's mortgage finance is credit score driven. As a mortgage consultant I'm the first sometimes to be the bearer of bad news. For example a prospective client calls to get prequalified. I the mortgage consultant routinely ask the simple question. What does your credit look like????? Believe me when I say I've heard the best of them. As a mortgage professional it's my job to find solutions. I call this piece Hope for the Credit Despaired. As the economic climate changes so do some consumer creditor priorities. It happens all the time. I'm sure you've heard the 3 most import words to remember when looking for real estate Location, Location, and Location. We'll in Mortgage Lending it's 620, 620, and 620.

Hope for the Credit Despaired gave me the idea to bring professionals to my Team in Lynnwood Washington that would share the same enthusiasm. I interviewed several companies and they all seemed to treat consumers as a number. I wanted a professional with heart that would help me accomplish client credit challenges. For the record I found such an expert. After several months of hard work my team is showing positive results. For example I've had 3 clients show positive payoff in the last 6 months striving to improve their scores. One client will fund this month, another client is looking for a home as we speak, and a client who's improved their scores but is looking into a construction loan package. Many more of my future clients are getting the credit advice they need to accomplish their home loan goals. Hope for the Credit Despaired is producing real results.

We're honored to help people find solutions to their temporary credit challenges. Consumers need to be educated on all aspects of the Home Loan process starting with responsible credit establishment. My team wants our clients to succeed. Hope for the Credit Despaired is exactly the vision we needed to meet our client's expectation.