Dear Future Homeowner
My name is Tamie Platts and I want to thank you for taking the time to visit my website today. I am dedicated to seeing you succeed with all of your home financing goals and have designed my website to provide you with the information you will need to assist you, whether you are purchasing a new home or refinancing your existing Duluth mortgage! I am a Duluth mortgage consultant, proudly serving all of Metro Atlanta, and the surrounding communities.
Duluth Home Loans
Whether you are planning to purchase your first home, your next home, your dream home, a vacation home or an investment property with a Duluth home loan, you will find all of the information you need right here on my website!
I am proud to offer my expertise and resources to every client, including my insider secrets that will allow us to choose the best Duluth mortgage program for your current financial situation and future homeownership goals.
I make the entire process quick and painless for everyone – first time homebuyers, small business owners, homebuyers with less-than-perfect credit. With me on your side, you will secure the perfect financing for the home you want.
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Metro Atlanta Real Estate
Make sure to fill out the form above and register to receive my Free Homebuying Guide and Insider Mortgage Reports. This valuable information, in combination with the other tools I have provided on this website in the Resources section.
Below, I have included one example of our Free Reports that can help you better understand credit scores:
To have the best chance of improving your credit score you will need to have a good understanding of how it is calculated as that will help you to decide on the actions you need to take.
A credit score is a numerical calculation based on a number of factors that helps Metro Atlanta mortgage lenders decide whether you are a risk to lend money to for your Metro Atlanta home loan.
The numbers generally range from 300 to 850 and allow lenders to see how well you are at paying off your debts.
The higher this number is the more likely you are to get credit for your mortgage loan and you will also usually get it at lower interest rates because of the fact that you will be regarded as a lower risk for repayment.
If your score falls below 600 you will probably have trouble getting credit for Metro Atlanta real estate and if you do you will be expected to pay higher mortgage rates due to the risk involved.
Scores over 720 are regarded as excellent and you can expect to get good Duluth loan rates.
This is just a guideline as some mortgage lenders place more importance on credit scores than others and while you might have difficulty getting credit with one lending institution that is not to say you will have difficulty with all of them.
Often you can discuss your situation with the Duluth lender even when you have a low score and still get them to finance you at reasonable rates.
Sometimes they will look at your whole credit history and take that into account rather than just the current poor score.
Your credit score comes from the calculations that are determined by the credit bureaus and are based on mathematical data that is arrived at from your credit report information that is supplied to the bureaus from people who have lent you money and from people you owe payment of bills to.
Whichever Duluth mortgage broker you decide to work with, you should be able to receive a copy of your credit report from them to review and check for any errors.
You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file. If you have had credit problems, be prepared to discuss them honestly with your Duluth mortgage professional and come to your application meeting with any necessary written explanations.
Responsible Duluth mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties.
They should be there to help you get your home loan.