Mortgages and Credit Scores

(scroll down for important credit information)

Getting a Mortgage

You do not need to be our client to get a mortgage through Turbo and you do not need to use Turbo if you are our client. Choices and options are yours! See special Client Offer in the disclosure.

Turbo Team Disclosure and Client Offer: The Texas Premier Agent discloses that agent is a limited owner of Texas Premier Turbo Team Franchise which has an affiliated business arrangement with Turbo Mortgage, a residential mortgage broker licensed to do business in Texas. The buyer has the option to make loan application with Turbo Mortgage but is under no obligation to do business with this lender. The client can choose any lender of their choice. As a benefit to doing business with Turbo Mortgage, our client will receive a $500 credit to be applied to any future loan cost. NOTE: You do not need to be our client to apply with Turbo Mortgage - everyone is welcome to apply.

If you need financial assistance to qualify, there are organizations that may be able to you you. Call me and let's discuss it.

Information on  FHA Mortgages
Texas State Affordable Housing Corporation  Eligibility Quiz
Use our  Mortgage Payment Calculator

The Main Credit Reporting Bureaus

Experian          Equifax          TransUnion

Getting Your FREE Credit Reports

Order Annual Credit Report
Hint: Consider ordering a report from only 1 of the 3 options and - wait 4 months. Then order a report from a different 1 of the 3 options. Wait 4 months and repeat for the 3rd option. Finally - wait 4 months and repeat the process starting in the same order all over again. That way you are looking at your credit all year long instead of waiting a full year to see what may be going on! Set a reminder on your calendar!

(if any of the following links are not working, please let us know right away)

FREE Credit Reports and Monitoring (some may require being a cardholder)

Discover Credit Scorecard       Chase Credit Journey       Capital One Credit Wise       Credit Karma

TransUnion True Identity       Credit Sesame       Bankrate Free Credit Score       Lendingtree Score

Some PAID Credit ID Monitoring Plans

ID Notify       MyID Care

Find Out More About YOU in Personal Reports

LexisNexis          ChexSystems          Early Warning          TeleCheck          Certegy

Freezing, Locking, Unlocking Your Credit - Articles *

Equifax            FTC Consumer Information          Credit Karma          Forbes     

* We STRONGLY suggest researching the latest information on locking/unlocking your credit before taking any action. The responsibility of your decision rests with you!

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