Santa Clarita Valley Real Estate

The Lenders we work with provide Conventional, FHA, VA fixed rate loans with rates often better than those offered by direct or correspondent lenders. We provide quick, smooth and ON TIME closings for our clients. We all should know how important FICO scores are, so here are some basic information to enhance your FICO knowledge and your score. Good credit scores help make it possible to qualify at better rates. For those with lesser FICO scores, we use more forgiving FHA loans. We can help you get qualified and ensure you get to move in or close escrow on the day you want. FICO Scores are weighted and structured with the following weight: 35% by Payment History 30% by Balances Owed 15% by Length of Credit History 10% by New Credit 10% by Types of Credit in Use And the overall calculated ranges: 720 - 850 Excellent, A-paper credit, the "good-guy" rates available; 680 - 719 Good, not much of a compromise on rates; 620 - 679 OK or Fair, clearly in range for FHA consideration;