How can I raise my credit score fast? By Cliffco Mortgage Bankers, Long Island, NY

Cliffco Mortgage Bankers, Long Island - Phone: 516-408-7300

You want to purchase a home, you know your credit score isn't the best, what do you do?

The quickest ways to raise your score are:

Decrease your credit utilization (pay off some debt)
Increase credit limits (without having the creditor run your credit)
Use your older cards so they do not get closed
Get a secured bank card, and
Check your credit report to ensure there are no errors on it.

Additional comments:

There are multiple aspects which determine the creditworthiness of a person for a mortgage loan. It is relatively rare that all aspects of a credit profile are picture perfect. Our loan officers are here to advise you as to the best strategy to prepare your application for a mortgage loan. Paying off debt, for instance, must be done strategically.

This is a personal conversation you have to have with your loan officer. When you work with Cliffco Mortgage Bankers, you work one-on-one with a loan officer -- not some faceless person shielded behind a 1-800 number who will never have any relationship with you -- like in big banks. Cliffco Mortgage bankers is a fully delegated mortgage banking institution. That means we originate and fund 100% of our loans. We will never pass your loan off to a third party (contrary to most big banks), and all credit decisions and underwriting are done in-house by our highly-educated loan professionals.

Contact Cliffco Mortgage Bankers to prepare your mortgage loan application the right way for success: 516-408-7300

Cliffco Mortgage Bankers is fully licensed in New York, New Jersey, Pennsylvania, Connecticut, Florida, and Texas. Our home office is in Uniondale, Long Island, NY. We cover all towns and hamlets of Long Island, as well other neighborhoods in NYC.

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