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Home Loans For People With Excellent Or Good Credit

The Benefits Of Having Good Credit When Applying For A Home Loan

Attn: Special Adjustable Rates Available Until For Residents Of  & Neighboring States!

Have a Good Credit Rating Or Excellent Credit?  Great News.  Peak Home Loans will get you the loan you want AND the rates and terms you deserve.  Owning excellent or good credit's a great asset as you probably know.  You enjoy the best rates, the best terms, the least amount of paperwork required to get a good credit refinance loan, and many more benefits according to   Peak Home Loans rewards those with excellent or good credit in a manner they deserve.  We offer all these obvious benefits and more.  You earned it.  You deserve it.

Typically, excellent credit will save you 2% on your mortgage rate and good credit will save you 1.5% on your rate as compared to average credit.  This translates into hundreds of dollars a month for the typical loan and tens of thousands of dollars over the life of the loan.

Keep your good credit, it's one of the most valuable assets you own.   When contacted by us, kindly ask our loan professional any question you may have.  They will be more than happy to assist you in getting the very best rate due to the good credit you earned.  Remember, all loans don't fit all people;  if you need a mortgage loan and have good credit, we'll find the right one for you.

Keys To First Establishing & Then Maintaining Your Good Credit

Establishing and maintaining your credit file should be first and foremost in every home owner's mind, especially those intending to purchase their first house.  Repairing your credit file is one thing, but if you follow a couple simple rules, there will be no need to repair anything.   Here are some ideas to help you get a good credit file...  and maintain a good record.

good credit refinance

Right now, interest rates are at the lowest they have been in recent memory.  Take advantage of the combination of your good credit and the current rates.  You can save yourself tens of thousands of dollars over the life of your loan.  Here is how you do it:

  • Obtain credit in your own name, not your spouse's, your partner's, nor your family, especially not your maiden name if married.  To move your credit file into your own name, simply contact, by writing, and let them know the details.
  • Good or Excellent Credit.  This is the first thing you need to have to get a great interest rate for your refinance.  The credit score makes up the bulk of the determining factors when a bank is reviewing your application for a loan.  Since your credit score takes into account your payment history and gives the lender a good indication of whether or not you would be able to repay the loan.  So check your credit report.   You can improve your score through some easy fixes, such as taking off bad information or paying off credit card balances.  If you have a score of 700 or better, you stand a good chance of getting approved, depending on the type of loan you are pursuing.
  • More Money In The Down Payment.  The days of no down payment are in the past. Many banks had those types of loans defaulted on, and therefore are now leery of providing a loan without money down.  The more money you put down, the better rate you can get, and the better chance of approval.   Plan on ten to twenty percent of the purchase price as a down payment.
  • Select A Reasonably Priced Home.  If you select a home well within your price range, it increases your home affordability.  You want your mortgage payment to be no more than thirty percent of your net income, as an ideal benchmark.  While in the past, banks were sometimes willing to go as high as forty percent, recent analysis has revealed that those in that situation were more likely to not make their payments.
  • Do Not Be Afraid To Negotiate.  Lenders make money by lending money, and by lending money to those who stand the best chance of paying it back.   If you have the sizeable down payment on an affordable home, and good or excellent credit, don't be afraid to ask for better rates, or the best rate they can give you.  Shop around - you are a desired customer with those circumstances.  Use it to your advantage.

There is no time like RIGHT NOW to look at whether or not refinancing is the right thing for you.  Good credit refinancing, according to, is a viable money-saving option.  When you look at all the factors, and when you are ready, Peak Home Loans is here to help.

Register Now to get your FREE FICO Score From TransUnion, Equifax And Experian (Tri-Bureau).  You get your credit score for free, monthly monitoring, and the ability to dispute any item on your report that is wrong.  This is an excellent way to improve your already good credit score and get lower interest rates within 30 days.

Mortgage Refinance @ 4.50% - 100k is $506/mo.

Thank you,
Peak Home Loans

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