There is much talk about credit reports and the FICO scores that go with it.  The Internet offers many FREE credit reports.  Believe me, they are NOT free.  What they are trying to do is have you sign up for a monthly service or a large fee if you don’t “officially” cancel their service.   These companies  exist to make money, not to actually help you out.

Establish an honest relationship with a LOCAL Boise Idaho home loan consultant who has their local reputation on the line and your best interests in mind.   Then go to the next step and request a free credit report and the valuable advice that goes with it.   Your local Boise loan consultant has to earn your business and provide professional service.  That is what a relationship is all about.   On line companies could care less about how you “feel” or if you are “happy” or not.  A local Boise Idaho loan consultant must please you and their local real estate community.  If they don’t, they might as well go work for some online institution.

In Boise Idaho, it is a small community and a solid reputation is all you have.  Boise Idaho first time home buyers are very savvy about the process and expect top notch attention.

When a Idaho first time home buyer in Boise orders their FREE credit report from me,  they will receive a full residential report with all 3 bureau scores and extensive consultation.  If there any adverse entries, I will be glad to help get your credit back on track.  Many reports have errors that can be “re-scored” and have results in 5 business days.

The re-score process for home loans can be a big deal when a borrower is only a few points away from qualifying.

Ordering your first credit report is a great first step.  Knowing what is on your credit report way in advance, is a great way for Boise Idaho First Time Home Buyers to take control of their financial future and be proactive.  Even if a potential Boise home buyer is 6 to 12 months away from considering a purchase, it is never to soon to have credit checked.

There are 3 different ways to get started.

Print out a loan application, and cover sheet and fax to 208-489-2809   or scan and email to CBallhagen@GuildMortgage.net .  another option is to email me your Full Name, Current Address, and contact information.  NEVER EMAIL YOUR SOCIAL SECURITY NUMBERS TO ANYONE.  I will contact you by phone and you can give that information verbally. or You can schedule an appointment and I can check your credit at that time.

Other post like this one-

• The “New” Home Buyer Tax credit For Boise Idaho
• Boise Idaho First Time Home Buyers Mortgage Loan Application
• No HVCC for Boise Idaho First Time Home Buyers
• Boise First Time Home Buyers Leverage Tax Credit
• Boise Home Buyers and Upfront Loan Disclosures
• Private Mortgage Insurance Really Stinks!

To learn more about Guild Mortgage and myself please visit my other site.

Guild Mortgage – Boise Home loans – Craig Ballhagen 208-713-3309

Tags: Boise, Credit Report, Home Buyers, ID