Imperfect Credit — You can fix your credit for freeWe are in the business of getting you the best possible loan to fit your needs and goals, we are NOTin the credit repair business. There is much you as a consumer can do to fix mistakes on your credit report, items that maykeep you from obtaining the best loan available. Fix your own creditfor free.

You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail.You may get calls from telemarketers offering credit repair services. They all make the same claims:

• "Credit Problems? No Problem!"
• "We can erase your bad credit--100% guaranteed."
• "Create a new credit identity--legally."
• "We can remove bankruptcies, judgements, liens, and bad loans from your credit file forever!"

Don't you believe it! Many of these companies will take your money and they can actually damage your credit. There is nomagic pill, but you can follow the legitimate, self help ideas contained in the "Correct Credit Report Errors" sectionof our site.

Our professional staff is here to work with you to find a mortgage program thatfits your needs. Our mortgage programs include a variety of financing options,competitive interest rates and personalized service. We treat you like an individual,not just a number.


Are you a candidate for a "Less Than Perfect" loan?Use these guidelines to determine whether you may be a candidate for a "Less Than Perfect" loan.

• Your FICO score is 620 or lower
• You have two (or more) delinquencies in the past 12 months
• You have one 60 day delinquency in the past 24 months
• You have a foreclosure or charge-off in the past 24 months
• You have filed a bankruptcy in the past 60 months
• Your qualifying debt-to-income ratios are 50% or greater
• You have a hard time meeting living expenses every month

Remember, your overall credit worthiness is not just about formulas and your creditscore. Missing a credit card payment or two does not automatically mean thatyou have to pay double digit interest rates. The only sure way to know whereyou stand is to apply for a loan.