Eagle Home Mortgage home Buyers Solutions Group
At Eagle Home Mortgage, we are committed to seeing you home
At Eagle Home Mortgage, we are committed to seeing you home. If you are an aspiring homeowner but worried that your credit may need some work, our home Buyer Solutions Group can help you get there. Our team of professional Credit Specialists will provide the guidance you need to improve your scores and successfully pre-qualify for a mortgage.
Personal Credit Specialists
Once enrolled, your personal Credit Specialist will review your credit profile and guide you in improving your scores. Our specialists will be your contact for any credit-related questions or concerns as you work towards achieving your credit goals.
Recommendations for Improving
Using diverse technology, tools and experience, our Credit Specialists are able to create personalized action plans tailored to your needs. Timelines will vary as each one is customized to individual needs, making them as realistic as possible.
Communication is vital in this program. Accountability check points are established to ensure that you are on the path to success. No matter how long the plan takes, our Credit Specialists will be with you every step of the way.
Completion of the Program*
Once successfully completed, you will be presented a certificate of completion, allowing you to transition back to your Loan Officer and complete the home buying process. *Completion of this program does not guarantee loan approval.
Your Credit Score: The Breakdown
Your credit score is comprised of multiple variables—from your debt-to-income ratio and payment patterns to credit utilization and length of credit history. Because lenders use credit scores to evaluate your readiness to buy and likeliness to pay back the loan, it’s important to understand where you rank and how your score will affect your path to homeownership.
Is it time for a fresh start?
We understand that sometimes, life happens. If you do find yourself with a few bumps and bruises on your credit, don’t think homeownership is out of reach—you may still qualify for a variety of home loans over time! Regardless of where you stand on your path to homeownership, we’re here to help educate and prepare you for a brighter tomorrow.
Below are the minimum time expectancies for when a customer can become eligible for home loan financing again after certain financial hardship events—broken down by loan type.