The first step to home ownership is getting pre-qualified with a reputable lender. The following are a list of lenders and links for contacting them. We have had good luck with these lenders. We are providing this list as a service to our clients. If you have any problems with anyone on the list, please contact us so that we can address it immediately. Thank you.
Paula Shaughnessy Colorado Credit Union 720 933 9933 Bobby Kurpinsky, Northpointe Bank 720 318 5872 Mathew Schulz , Firelight Motrgage Consultants 720 933 1025 Doug Fulton Amerifirst Financial Inc 720 616 6527 Chad White, Guaranteed Rate 720 452 5444 John Burton, Key Bank, 303 669 3410 The Wynn Team, Citywide Home Loans 303 317 6612 Jeri Shoop, Home Mortgage Allaince 303 641 4945 8 Ways to Improve Your Credit Credit scores, along with your overall income and debt, are a big factor in determining if you’ll qualify for a loan and what loan terms you’ll be able to qualify for. 1. Check for and correct errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management. 2. Pay down credit card bills. If possible, pay off the entire balance every month. However, transferring credit card debt from one card to another could lower your score. 3. Don’t charge your credit cards to the maximum limit. 4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year. 5. Don’t purchase big-ticket items for your new home on credit cards until after the loan is approved. The amounts will add to your debt. 6. Don’t open new credit card accounts before applying for a mortgage. Having too much available credit can lower your score. 7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time. 8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management. This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, "Knowing and Understanding Your Credit," visit http://www.homebuyingguide.org. Page 6
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