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The greatest legacy we can leave our children is happy memories at home. #family #love #friends #happy #familytime #home #happiness #familia #lifestyle #homebuyers #housing #credit #mortgagerates #homeownership #money #mortgages #realty #house #homebuying #mortgagetips #lender #lending #mortgagelife #homeowner #financialfreedom #homebuyer #mortgageloans #mortgageloanofficer #creditrestoration #mortgagespecialist Call me to evaluate your file today. ... https://buff.ly/2AE7Ag2 See more

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Don’t wait for it to happen, go make it happen! Making the impossible possible here at Mortgage Xpress. Download the app now and let's get started https://buff.ly/31dIQWV #homeowner #creditrepair #mortgagebanker #mortgageagent #mortgageexpert #broker #financing #mortgageadvisor #loan #mortgageloanofficer #homebuying #realestateinvestor #rates #homeowners #homeownership #mortgagepro #mortgagelenders #reversemortgage #dreamhome #lender #loanofficerlife #fhaloans #mortgageprofessional #firsttimebuyer #realestateinvesting #lending #firsttimehomebuyers #fhaloan #creditscore #realtors

MEET MAUREEN... Stories are meant to be shared, and this video speaks out loudly on how the Mortgage Xpress Team help BUYERS achieve their dream of homeownership. MAUREEN SANDERS' STORY..

We at Mortgage Xpress would like to take this opportunity to thank Jocelyn Cross and Jean Scales on another successful closing.... Jocelyn and Jean made sure their customer was well informed of the process which allowed for a smooth transaction. They were instrumental in obtaining the correct documents which allowed us to fund the loan fast and with ease. With their beautiful smiles and warm hospitality, it’s no wonder team J/J rocks! Please join us in congratulating Jocelyn and Jean on another successful close. Thank you!

Wow, what a day! Another closing, another happy homeowner. Its always great to congratulate our amazing business partners on successful closings! Thank you Hervi Estrada for all you do for your customers. Its always a pleasure working with outstanding realtors like yourself! On behalf of team Mortgage Xpress!

We at Mortgage Xpress would like to take this opportunity to congratulate Harry Regas on the purchase of his new home! Buying a house is one of the most important milestones in life and we are honored to be a part of the process. We absolutely appreciate when a new customer gives us an opportunity to shine. It puts a smile on our face and inspires us to continue working hard for all our future customers. Once again, CONGRATULATIONS!!!

Credit Tips That Will Score Lower Interest Rates A good credit score translates into lower interest rates for home-shopping borrowers. In a mortgage lender's eyes, the higher your score is, the less risk you are, and the more likely it is you will pay off your debt. For this reason, borrowers with lower scores usually end up paying higher interest rates on their loans. If this is you, don't panic. There are a number of things you can do to adjust your credit score to receive ...a favorable review from the underwriter. Here are a few suggestions: Should I pay off all my past due balances and charge-offs? This is usually a good idea, but you only need to worry about the past due balances and charge-offs that have occurred in the last two years. Items more than two years old have little effect on your current credit score. In fact, if you pay off delinquent items over two years old, it can actually bring your credit score down - something you don't want to do. Bringing that score up means you'll get a better interest rate on your loan. Should I close existing credit card accounts that I don't use? No. Part of your credit score is based upon credit history. If you have old credit cards that you don't use very much, you still have the benefit of the credit history they represent. Rather than trying to pay off all your credit cards, you can move part of the debt from one card to another to even out the distribution of debt. Try to keep balances as close to zero as possible, and definitely below 30% of the available credit limit when trying to purchase a home. Also, if your credit provider will increase your line of credit, the ratio of debt to available credit is automatically reduced. When married couples have separate credit card accounts, the debt can be transferred from one spouse to another to clear up credit issues for the other spouse. That spouse with clean credit can be designated as the sole borrower on the loan, but ownership of the home can still go in both names. What about errors on my credit report? If you have items that are showing up on your credit report that you know you have already paid, request that these items be removed by the credit bureau. They are obligated to rectify this within 30 days. If there are items on your credit report that are less than two years old, send in your payment if possible and mark the back of the check with the following notation: "Accepting this check is evidence that the transaction is complete and this charge will be deleted from my credit record." If necessary, the cancelled check will be proof that this should be promptly removed from your credit report if it interferes with the closing of your loan. Call me directly for a free consultation.