Mortgage Center
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Home Loan Quote - My Trusted Lending Partner: I don't get any compensation for suggesting you contact Carlos but I've had consistently great experiences with him which only reinforces his reputation as one of the area's most ethical and competent lenders. I strongly encourage you to share your financing objectives with Carlos and let him give you a Good Faith Estimate (GFE) to compare to any other lenders you may have already spoken with. Carlos has been a successful loan officer and mortgage manager in the Greater Washington DC area for over 11 years. He has significant experience in the various facets of mortgage lending, including first time home buyer programs, low down payment options, new construction and rehab products. Carlos is eager to share his wealth of expertise with you to facilitate your mortgage needs. |
 Mysimple mortgage calculator calculates your monthly payment based on your input. |
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Credit Scores & TipsHere are a few helpful tips regarding your CREDIT! 1. Pay all bills on time every month. 2. Keep credit lines OPEN! Reporting agencies want to see a history of at least one year of timely payments on the same card. Open lines of 'older' cards - ones you've had a long time - boost your score. 3. Make sure the balance on each line of credit is LESS than 50% of the credit limit. Some lenders say 30% or lower is best. 4. Try not to open new credit accounts even if they offer amazingly low rates. Instead, ask your existing creditors to lower your interest rate. 5. If the existing creditor won't raise your credit or lower your interest rate, you can transfer the balance to a new card and close the existing account once a year without hurting your score. 6. Limit the number of companies that 'pull' your credit info for mortgage and auto loans or credit cards. 7. Pay off smaller debts first while making timely payments on larger debts. Once a smaller debt is paid off, use that extra money to pay down the next largest debt & so on. 8. Correct any misinformation about any debts with any of the three credit agencies immediately. Visit any of the sites listed below to find your current credit rating.
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