Kings Bay Saint Marys & Kingsland Georgia Real Estate - Getting a Home Loan with Damaged Credit

So, you have made the decision that you would like to become a homeowner. As lenders, we have to perform a credit check. The credit we review are provided by all three reporting agencies. Equifax, Experian and Transunion are the three agencies lenders use. The middle of all three beacon scores is the one used to qualify a borrower for a mortgage.

Many lenders will deny would be borrowers if their mid-score is less than 620. However I take a different view of credit scores and look for a way to get the loan approved. There are sub-prime loans available for borrowers with low credit scores, however I believe that it is in the best interest of my clients to take the time to make some small repairs to their credit. By doing this, I am not only providing a valuable service that helpsmy clients, but I am able to save them from 2% to 4% on a fixed mortgage rate.

How long does it take before you can close on a loan? Usually from 30 to 60 days. It depends on how quickly you can provide me with the information to repair the credit.

How much does this cost? Nothing,provided you get your mortgage through my company.

It is best to contact me before you look at houses with your realtor. This way, you will have a pre-approval before you select your new home.

Contact me by visiting my website at www.thebestmortgageguy.com

Glenn Keller is a veteran in the mortgage industry and specializes in VA, FHA and Conventional home mortgages. Glenn is a Georgia representative with Affordable Home Funding at 1204 Hospitality Ave., Kingsland Georgia 31548

In The News:
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://asia.news.yahoo.com/081203/3/3szn4.htmlcid=1277091985ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNEsuAkoXGBLX_pzj4QGc606vDQBIAimg src=http://news.google.com/news?imgefp=BfL5p4De5PgJimgurl=sg.yimg.com/xp/reuters/20081203/20/464274511.jpg width=80 height=51 alt= border=1brfont size=-2Yahoo/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Da_i8357NDD7k%26refer%3Dhomecid=1277091985ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNF4akRcaHEsCtpZyS0KJH77-yRS7QUS MBA’s bMortgage/b Applications More Than Doubled Last Week/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1The bMortgage/b Bankers Association’s index of applications to purchase a home or brefinance/b a loan jumped 112 percent to 857.7, the highest level since March, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/big-rate-drop-sends-mortgage/story.aspx%3Fguid%3DABF1DD99-9E4D-4F47-94EE-7E0956A6FE64%26dist%3DSecMostReadcid=1277091985ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNERk9fSr70W8ijgP7HzRA-9QPSfFQbMortgage/b applications up 112.1% last week, due to drop in rates: MBA/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.google.com/hostednews/ap/article/ALeqM5iGO3ptAO6a54_9bVj7EorgcgBWSQD94RAE1G0cid=1277091985ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNFkrJjV1I5bziC4clkIV60P5Au8BwbMortgage/b application, brefinance/b volume surge/a font size=-1 color=#6f6f6fnobrThe Associated Press/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usatoday.com/money/economy/housing/2008-12-03-mortgage-applications_N.htmcid=1277091985ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNFRMYR4HWHsOU-XoUNj2mSbztOj1AFalling rates spark rush to bmortgage/b applications/a font size=-1 color=#6f6f6fnobrUSA Today/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/economicNews/idUSN0333008520081203cid=1277091985ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNFSleTdUhtssLGEdslX3FzqnUevjwnobrReuters/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://economy.kansascity.com/%3Fq%3Dnode/409cid=1277091985ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNEFgyQtNoLPLMOjpgZCXlw4-FTAzwnobrKansas City Star/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1277091985hl=ennobrall 139 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE4B27JG20081203cid=1276773558ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNGj_el-RanyhIEb2buQtB6KyvIL-gLower bmortgage/b rates help but jobs, prices key/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr49 minutes ago/nobr/fontbrfont size=-1Applications to buy and brefinance/b homes hurtled higher last week as the lowest rates since the summer of 2005 unleashed pent-up demand. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/bulls-bears-slug-out-over/story.aspx%3Fguid%3D%257BD706D818-06FC-4461-9AA0-6BE928A0AF20%257D%26dist%3Dmsr_17cid=0ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNGNGJfRhoERJBMOeKRE9ZrXFm5ZzwBulls outlast bears in Wednesday grudge match/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr12 minutes ago/nobr/fontbrfont size=-1A recent downward spike in bmortgage/b rates has sparked a rise in bmortgage/b and brefinance/b applications, according to data from the bMortgage/b Bankers Association b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.smh.com.au/news/national/fixedrate-trap-snares-43000-home-owners/2008/12/03/1228257139097.htmlcid=1277181419ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNETAf8SMSUhnGi7JqwHryY7VdB46Aimg src=http://news.google.com/news?imgefp=H67Akanm7v8Jimgurl=www.smh.com.au/ffximage/2008/12/03/christopher_zinn_narrowweb__300x490,0.jpg width=49 height=80 alt= border=1brfont size=-2Sydney Morning Herald/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.smh.com.au/news/national/fixedrate-trap-snares-43000-home-owners/2008/12/03/1228257139097.htmlcid=1277181419ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNETAf8SMSUhnGi7JqwHryY7VdB46AFixed-rate trap snares 43000 home owners/abrfont size=-1font color=#6f6f6fSydney Morning Herald,nbsp;Australianbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1quot;People who are on a fixed-term bmortgage/b are invariably surprised to find out the size of the break fee when they choose to brefinance/b,quot; he says quot;Often it b.../b/font/div/font/td/tr/table
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chron.com/disp/story.mpl/business/6143753.htmlcid=1276993206ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNF5CtzJp4C-Oe-Ooemf5TIxT3Jagwimg src=http://news.google.com/news?imgefp=zDehzouC4NYJimgurl=www.chron.com/photos/2008/12/02/14221383/260xStory.jpg width=80 height=53 alt= border=1brfont size=-2Houston Chronicle/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chron.com/disp/story.mpl/business/6143753.htmlcid=1276993206ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNF5CtzJp4C-Oe-Ooemf5TIxT3JagwbMortgage/b proposal has faced conflict/abrfont size=-1font color=#6f6f6fHouston Chronicle,nbsp;United Statesnbsp;-/font nobr15 hours ago/nobr/fontbrfont size=-1b.../b home prices fell and stricter bmortgage/b standards made it harder for borrowers to sell or brefinance/b, according to RealtyTrac, a provider of default data. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601213%26sid%3DaSwRduPiiLjc%26refer%3Dhomecid=1277198152ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNFgG5MykwT0QB-te4cgsyXlOpRmNQFed’s Kroszner Says Foreclosures Harming Middle-Income Areas/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr27 minutes ago/nobr/fontbrfont size=-1b.../b the highest on record as home prices dropped and stricter bmortgage/b standards made it harder for homeowners to sell or brefinance/b, RealtyTrac Inc. said. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601068%26sid%3DaRtykQ8tqETY%26refer%3Dhomecid=1277209673ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNFLenvTxSvcCbNQS55Wy_xiLDIKfQUS Economy: Service Companies Shrink at Record Pace (Update1)/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1“Things overall still look bad, but this, together with last week’s doubling in MBA brefinancing/b, provide glimmers of hope,” Ian Morris, chief US economist b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/12/02/AR2008120203155.htmlcid=1277101884ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNE4yVeAYnyxY16Ky5FMXO9UqTDVNwFHA Insurance Fund Has Fallen 39 Percent/abrfont size=-1font color=#6f6f6fWashington Post,nbsp;United Statesnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1If they suffer a financial blow, such as job loss, they will be more likely to default on their loan because they won#39;t be able to sell or brefinance/b. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.prweb.com/releases/VA/loans/prweb1696824.htmcid=1277101884ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNGh5tUA6sTDfC7Vjc73p4OlfzYk8QRecession Lowers bMortgage/b Rates for VA Loans, Flagship Financial b.../b/a font size=-1 color=#6f6f6fnobrPR Web (press release)/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1277101884hl=ennobrall 4 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/11/25/AR2008112501946.htmlcid=1275069318ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNGQlnm8mv_nf77FX4U-jQlVfJo9VQimg src=http://news.google.com/news?imgefp=fGMTG1XsEbUJimgurl=media3.washingtonpost.com/wp-dyn/content/photo/2008/11/25/PH2008112501947.jpg width=61 height=80 alt= border=1brfont size=-2Washington Post/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/investing/la-fi-mortgage27-2008nov27,0,3466653.storycid=1275069318ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNEL-wsPI1nyTGjVnWTqsB0mDEbn5AbMortgage/b rates fall, but many borrowers will have trouble qualifying/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobrNov 27, 2008/nobr/fontbrfont size=-1Jeff Lazerson, a Laguna Niguel bmortgage/b broker, said all the customer calls he received Tuesday were from people seeking to brefinance/b, not buy homes. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/2008/11/25/news/mortgage.revival.fortune/%3Fpostversion%3D2008112515cid=1275069318ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNFDQImaG6LVQlG5aj0toJEyRhuyCAbMortgage/b-market revival: Try, try again/a font size=-1 color=#6f6f6fnobrCNNMoney.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.baltimoresun.com/business/bal-bz.mortgages27nov27,0,9349.storycid=1275069318ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNH1Cvmuv36VwZnHLAnllx21C47UYwUS move cuts mortgages to lowest rate since February/a font size=-1 color=#6f6f6fnobrBaltimore Sun/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3DaQ86JoZr_VFY%26refer%3Dhomecid=1275069318ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNF4_viDhRKPSsXuRQQ-F5SYQsGAPgbMortgage/b Rates Tumble on Fed Debt Purchasing Plan (Update1)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.fool.com/personal-finance/retirement/2008/11/28/last-call-for-smart-homeowners.aspxcid=1275069318ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNG_EvrkoFsBnV0fVuJRnnJiX8IdGgnobrMotley Fool/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.allheadlinenews.com/articles/7013205204cid=1275069318ei=2vk2Sc65I6DM8ASluKWsDwusg=AFQjCNH-bQBM57S4TglYZq5k_u0CBQohNQnobrAHN/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1275069318hl=ennobrall 2,550 news articles/nobr/a/font/div/font/td/tr/table
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