Our Credit Avail System

Today’s mortgage market has made it increasingly difficult for consumers to secure financing to buy homes. Credit criteria continue to get stricter, increasing the minimum credit score often needed to get a low down payment loan.

For some this may make the dream of home ownership seem impossible; however, this could not be further from the truth.

To counteract these tougher guidelines, we are now proud to offer The Credit AVAIL System to help you achieve your goals. Here’s how the program turns your less than ideal score into a home buying score:

* First, we will work with you to set a target FICO score for the loan product you need.

* Once enrolled, you will then get a copy of your full, three bureau credit report and several strategies to create an immediate, positive impact on your score.

* You will gain access to instructional videos and pre-written letters to dispute inaccurate accounts that report in your name.

* Every quarter, you will get a new three bureau credit report, a progress report to show your growth, and the next strategies needed to keep improving.

* The best part is that Public Home Mortgage, Inc. will be with you throughout the entire process to answer questions and provide encouragement.

* Finally, once you arrive at your target score, we will deliver to you the best mortgage loan available in the marketplace at that time.