Before applying for a mortgage, it is important to understand the condition of your credit profile. We analyze your credit report, identify errors and problematic issues that may prevent approval.
To increase the chances of approval, it is important to prepare all the necessary documents in advance. We will tell you what certificates and statements you will need, help you organize your financial information and explain how to properly present yourself to the bank.
If there are inaccuracies or outdated data in the report, we will help you properly file requests with credit bureaus to delete them. If the speed is lower than desired, we will develop a strategy to increase it.
We will be in touch until the very moment of submitting the application and receiving the decision. If the bank asks for additional information or if you have any questions, you will not be left alone with the problem. In case of refusal, we will help you understand the reasons and adjust your strategy.
Each bank has its own requirements for borrowers. We will explain to you what minimum conditions need to be met, analyze the concepts of DTI (Debt-to-Income Ratio), LTV (Loan-to-Value), and hard inquiries so that you understand how the bank evaluates you. We will also tell you which type of mortgage may be suitable for you (Conventional Loan, FHA, VA, etc.).
Analyzing your credit history
Collecting documents and preparing for the application
Error correction and credit rating improvement
Clarification of banks' requirements and calculation of strategy
- You are confident in your credit profile and understand how to improve it.
- You know which banks can approve your mortgage.
- You have a complete set of documents in your hands, and you are ready to apply.
- Your chances of approval increase significantly.