Credit Scores

Credit Scores can be your enemy or they can be your friend. The key to improving your quality of life, is improving your credit score. Therefore I have put together some steps that will assist you in improving your current credit score.

1. Find out where you stand by ordering all three credit reports and scores
2. Pay close attention to all of the items listed on your credit report and make sure that you document which debts are accurate and which ones aren't.
3. The next step is to dispute all inaccurate information to ALL three credit agencies (Equifax, Experian and Transunion).
4. Give yourself a 30 day window in which to have these items validated by the agencies. The agencies should send you the status of their investigation within 45-60 days of your initial contact with them
5. While you are waiting to hear back from the credit reporting agencies, clear up any valid collections by paying them off or setting up a realistic payment plan. Remember if you do set up a payment plan, you have to follow it through to the end or you may damage your credit score even further.
6. Once you receive your updated credit reports from the agencies in approximately 30-45 days after, you will see a change for the better in your credit scores.

Next steps are to simply maintain your good credit. Remember banks don't judge you by how nice of a person you are, they want to see and know that you honor your financial commitments.

Attention ALL Union Members

JPMorgan Chase has special financing programs available for Union Members and family of Union Members that would pay your monthly mortgage payments up to 6 months should you have a temporary lay off or other financial emergency.

This is a great program for seasonal workers as well as regular Union Members. Remember this program is also available to the family members of Union Workers as well and is a tremendous benefit.

Financing for credit scores from 580 and up

JPMorgan Chase Home Finance has programs and products available for first time home buyers with credit scores as low as 580 and 540 for Government Programs. Our programs include FHA, VA, 30 year fixed rate mortgages and 2,3, 5 year ARM's (Adjustable Rate Mortgages).

Please Call Karen Francis at 678-924-4020 or 770-262-2218 for more information today.

Investor Financing

We have many aggressive investor finance options for 1-4 unit properties available in more than 35 states with a minimum credit score of 680. Our rates are extremely competitive as JPMorgan Chase Home Finance is one of the top Mortgage Companies in the Nation. Contact Karen Francis, Mortgage Consultant for JPMorganChase NonPrime Division. 678-924-4020 or 770-262-2218/karen.h.francis@chase.com