Your personal credit report is the single most important factor in determining whether you get mortgage approval.  Having good credit makes it easier to get a loan. Good credit also helps you take advantage of lower interest rates and reduce your monthly loan payments.

However, we realize that at one time or another, almost anyone can have credit problems.  The good news is that these problems do not have to stand in the way of your loan.  A credit problem is just that:  a problem.  And like most problems, there is a solution to your current credit situation. 

If you have had credit problems, be prepared to discuss them honestly with one of our professional mortgage consultants.   We will help you evaluate your credit situation based on several different factors, and work with you on a solution to your loan request.

To accurately judge your credit rating, Consumer First Funding will typically evaluate one or more of the following:  your income, assets, liabilities, payment history and current credit reports.