(2005-03-24) Keith Hunt Camelot Marketing
A high FICO score is rewarded with a lower interest rate on mortgage loan for a California refinance.
A high FICO score is rewarded with a lower interest rate on mortgage loan for a California refinance.
Refinance programs are available specifically for those who have a high FICO score and qualify for a low home mortgage loan rate. This could potentially save hundreds of dollars a month.
Call 1 888 300 2040 or go to
http://www.goldmedalmortgage.com if you feel you deserve a lower rate on your home mortgage loan.
As an example on a $150,000 30-year, fixed-rate mortgage a borrower with a high FICO could pay as low as $895 a month, where somebody with a lower score could pay $1238 on the same loan.
A FICO credit score can range from 300 to 800. Remember, the higher the FICO credit score the better the home mortgage loan rate! Most borrowers fall into the 600-800 credit score range.
A high FICO score is your reward for paying bills on time. This is one of the most important factors that determine your home mortgage loan rate.
A high FICO score is the best signal to the lender of how well you’ll make your mortgage payments.
The major credit reporting agencies each use a slightly different system to arrive at a credit score.
The best known is the FICO score, developed by Fair Isaac and Company (FICO). FICO is used by Experian. Equifax's credit score is called BEACON, while Trans Union uses EMPIRICA.
The most important information that the credit agencies use to determine your credit score are:
• Credit History - How long have you had credit? The longer you’ve had good credit the higher the FICO credit score.
• Payment History - Do you pay your bills on time? One 30 or 60 day late payment can damage your good FICO credit score.
• Credit Card Balances - How much do you owe and how many accounts do you have? A person who has many credit cards even if there are small or no balances on the accounts has a greater potential to incur debt. Close out the credit cards that you don’t use!
• Credit Inquiries - How many times have you had your credit checked? The fewer inquiries on your credit report the better the FICO credit score. So when you sign up for a free gift at the mall and your credit gets checked you might have lowered your FICO score even if you have no intention of using the new card!
It is very important to know your FICO score even if you are not in the market for a home mortgage loan rate. You could have errors on your credit report which are lowering your FICO score.
For more information please call 1 888 300 2040 or go to:
http://www.californialoans2.netfirms.com/13/California-Refinance-Home-Mortgage.html
http://www.christianokoyemortgage.com
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