Providing home loan mortgage financing in Lake, Geauga, Mahoning, Columbiana, Erie, Sandusky, Seneca, Wyandot, Putnam, Hancock, Ottowa, Fulton, Williams, Henry, Defiance, and many more Ohio counties.
Providing financing in Lucas, Cuyahoga, Lorain, Medina, Wood, Summit, Montgomery, Licking, Deleware, Warren, Hamilton, Butler, Franklin, Fairfield, Stark, Wayne, Knox and many other Ohio counties.
Providing home mortgages in Findlay, North Ridgeville, Highland Hills, Beachwood, Moreland Hills, Ashtabula, Rock Creek, Delaware, Franklin, Brunswick, Geauga, Grafton, Lorain, Green, Bath, Sandusky, Port Clinton, Huron and many other Ohio communities.
Providing mortgage financing in Cleveland, Cincinnati, Toledo, Bowling Green, Columbus, Akron, Canton, Avon, Strongsville, Avon Lake, Solon, Dayton, Medina, Wooster, Youngstown, Alliance, Mentor, Elyria and many other Ohio cities.


Mortgages With Credit Scores 700 and Above

The higher your credit score is the less of a risk you are to a mortgage lender, or pretty much any lender for that matter. When you have obtained a credit score that is above 700 you will find that you will qualify for most of the programs that are available out there. The 720 credit score mark will qualify you for a few more programs and once you are over 750 you will qualify for almost anything out there. Borrowers with credit scores above 800 are very far and few between, but these are basically " the cream of the crop" borrowers, and present the least risk level to lenders.

A high credit score will also qualify you for stated income and no doc loan programs. This will ease some of the burden of sorting through paperwork to bring to your loan officer.

Managing credit responsibly is key to maintaining a high credit score. Maintaining a high credit score allows consumers to obtain better rates on loans and other borrowed credit. A recent study found that consumers with scores less than 660 had a significantly higher incidence of late payments as well as higher debt usage than those consumers with scores of 720 or greater.

Higher scores would be required for various situations like high loan amounts that are the millions of dollars.

Having a high credit score will allow you to not only get a lower interest rate, but also give you access to programs that you may not otherwise qualify for. For example 100% financing on second homes, or investment properties are typically programs that have very high credit standards to qualify.

This is considered "A Paper" credit.

"A Paper" lending is not to be confused with Conventional Lending. Simply, the higher the credit score the less likely of a credit risk, the less likely the credit risk, the more likely you will be offered the lowest interest rates.


If you have any questions regarding our products, you can contact us by calling or e-mailing us and we'll get back to you as soon as possible. Thanks!



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Information listed above is to be used for educational purposes only and is not guaranteed

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