I am a good person with bad credit or no credit history. There are many reasons that have caused good people to have bad credit. Some have immigrated to this country. Others have recently joined the work force from high school, vocational institutions or college. Many lenders realize this and offer programs specifically tailored to your needs. You may qualify for a purchase with as little as 10 percent down and in some cases zero percent down. There are combinations of government-sponsored programs such as FHA or Community Redevelopment Programs as well other lending institutions geared specifically to these types of borrowers. Your income, assets and credit history will determine the specific loan program you qualify for. Before going out and looking for your dream home, you should enlist the aid of a mortgage professional who can make you look good for the right lender who will deliver an affordable loan program designed to meet your needs. When you sit down with the right loan officer, they will analyze your needs and match a program with your qualifications. Once this is done, you’ll get a commitment for a specific loan amount. Your offer will be accepted quicker and easier if you are preapproved for a loan. You’ll avoid the embarrassment of having a stranger look at your financial situation and the costly delays that result. We have worked with clients who have had bankruptcies, foreclosures, judgments, tax liens, repossessions, charge-offs and numerous late payments. Your loan interest rate will depend on the reason, time frame and amount of the dollars involved in the situation as well as your credit score. We work directly with ICR, a large national company dedicated to helping consumers repair their credit picture. This company does not dispute the various items on your credit report; rather it searches every creditor and determines whether the creditor followed each of the 320 steps required by the Fair Credit Reporting act when the derogatory item was reported. While we can't guarantee results, we've seen an average of 70 percent of all items removed. The company offers a 110 percent guarantee that your credit will be improved. They've never had any claim for a refund. Not a bad track record. The value of having good credit is indisputable. It can save you thousands or tens of thousands of dollars over your lifetime. You will get lower interest rates on cars, first and second mortgages, credit cards and more. Most credit repair companies charge $750 to $1,000 for a bankruptcy, $1,500 for a foreclosure and $300 for each creditor that reports
Best Loans 4 U - A Skyline Funding Company 31416 Agoura Road Suite 180 Westlake Village, CA 91361 Phone (888) 459-6888 Fax (818) 971-4371 www.bestloans4u.com
a derogatory item. This report costs only $399 plus $10 for shipping and handling and $250 for each additional report. The credit bureaus have been taking advantage of consumers for too long. Now we have a way to strike back. To find out what you qualify for, go to the loan center, click on the pre-qualify yourself, check the quick app in the loan center, fill out the information requested and we will get back to you with specific numbers.
Best Loans 4 U - A Skyline Funding Company 31416 Agoura Road Suite 180 Westlake Village, CA 91361 Phone (888) 459-6888 Fax (818) 971-4371 www.bestloans4u.com