Kevin spoke about how your credit score can affect your ability to get a mortgage and what you can do about it. Mortgage scores are typically 25-50 less than FICO scores. If you have very good credit (740 and up) you have the most options but Kevin has a variety of options for every level.

Kevin has various tools available that can give advice on improving your credit if certain variables are changed. Some basic advice includes: Make sure mortgage and student debts are paid on-time, keep credit card debt ratio below 30%, don’t sign on to be a co-borrower if it can be helped.

Bander Mortgage also has loans available to finance investment properties and has started doing reverse mortgages to get equity out of your house.

Give Kevin a call for a quote for any mortgage need you or someone you know has.