A 100% US-Based and Veteran Owned California Brokerage.
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The Full Credit Analysis starts off with an in-depth phone call or via conference; we will discuss your plans for the purchase or refinance in detail. If you decide to proceed after the conference, the next step involves pulling a credit report from Equifax, Experian, and TransUnion. This credit report is NOT the same as a free credit report you might order directly from the credit bureaus or a website like Credit Karma. Unlike the free reports, this report includes the same scores that the banks, lenders, and brokerages use to underwrite your loan.
Important Note: This is not a service to provide you with a credit report. This is an in-depth analysis of the entire credit history showing on your report – all revolving, installment, mortgage, and derogatory accounts, if any. We will give you the credit scores as well as the “score factor codes” and explain why the scores are what they are. You will receive the full information on any derogatory accounts that might be shown in your report, including dates, amounts, phone numbers to the creditor, and any reference numbers listed.
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