All About Credit!

All About Credit

This class will describe the FICO scoring methods that the bureaus use for credit scoring. We will discuss what score thresholds are best for different loan types. We will discuss how to manipulate your FICO score based on account balances. We will provide handouts and be available for questions. Instructors will be John Easterbrook and Patty Aguon. John is a Real Estate Broker and Mortgage Loan Officer. Patty is a Mortgage Loan Officer and former underwriting manager for a nationwide lender. Sign up now. Also be sure to sign up for the February 8th class on Credit Repair to get the ins and outs of credit score improvement. 

https://homeloanworkshop.org/calendar-of-classes

Please visit the site above to register for your seat!

The Easterbrook Team

806 Bidwell Street Folsom, CA 95630

916.850.6050

EasterbrookTeam@spmc.com 

Spouse's Bad Credit Killing Hopes of a Mortgage? Save Your Home and Marriage!

You probably didn’t think to run a credit check on your spouse before you got married. After all, love reigns supreme, right?



To Read the Entire Article Please Click Here!


The Easterbrook Team is your source for credit repair.  We can review and determine which avenue to take to better your score.  Give us a call today!


916.850.6050 EasterbrookTeam@spmc.com
"We Make the Loan Process Easy!"

Removing Disputed Credit Accounts

With home prices and interest rates at historic lows, many people are looking to take their first step into homeownership. In today’s challenging economy, many first-time homebuyers struggle with credit challenges. One often-seen challenge is accounts on credit reports that have already been rectified. These are accounts that have been settled by the homebuyer, but have not been removed from their credit report by the creditor. 

These outstanding accounts on your credit report can cause roadblocks in purchasing your dream home. If you have any questions on home financing, and how Sierra Pacific Mortgage  can help you purchase your dream home, contact one of our mortgage loan originators today.

Get on the phone with the creditors. Demand a letter stating that the accounts are no longer in dispute. Its not easy. Insist on talking with a manager if they won’t do it for you. One other thing, you must have the borrower on the phone with you initially. They can usually authorize you for 24 hours. John Easterbrook

(916) 224-7653
john.easterbrook@spmc.com
Licensed – NMLS # 226555