It is important when you are buying a house that you present a good credit score. A well-maintained credit score is seen as a certification that you are a good client. It makes sure that your mortgage broker entertains your offer. It makes sure that your agent gets the message across. A good credit score dictates the price and the interest rate of your house. It can make it lighter on the pocket or a heavier burden than necessary.

Owning a good credit score is recommended when getting into talks on buying property. You will get better offers firsthand. You will get better payment options. You will also get a lower interest. So how will you get a good credit score?

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Featured Rates

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3.40%

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Line of CreditStarting at

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Getting It Done

A credit score comes from the banks and other financial institutions that you deal with. Credit card companies, loan institutions and banking cooperatives all give you a grade on your financial well-being.

Be a good, on-time paying customer and you will get a great credit score. Be in arrears and your credit score suffers. Be a certified charge-off after six months and you will feel the effects of your bad decision. A bad credit score can still be resolved. All you need to do is to update your payments and everything will be fine. It will take time to improve your credit score, but it is doable.

Mortgage brokers and banks take a good credit score into consideration when they decide to give you access to prime property. It is a sound investment decision on their part to get an established payer into their circle. Otherwise, it is a bad business decision that would get back at them in terms of arrears and missed payments.

Best Score Possible

The industry standards and regulations point out that the baseline credit score of 650 is good enough to get a fair mortgage. This credit score puts you in the borderline middle of the credit score category. Anything above this score is way better for the banks and professional mortgage broker involved in the deal. It means they are getting a good client with an established record.

Institutions consider anything lower than 650 a risky proposition. They might still give you a deal, but expect it to stacked in their favor. You can still improve on your score and when you do, you can apply and get a better deal. A change in your credit score even by several points up is a good sign. You will get a better deal that will be more palatable for your wallet.

Fair Shake

Get a good credit score going and you will see a lot of doors open for you. You will be given better options in all financial institutions. A good credit score serves as your reputation in the industry. Whether you like it or not, you must cultivate a good credit score to get an edge in the dealings of the business world.

Beating The Process

Getting a new mortgage on your house is not an easy task. You must take a good look at both you and your co-borrower’s credit scores if you want to get a good interest rate. If your scores are miles apart, it is better to apply as an individual. Banks take the lower credit score and use it for their computations. A lower credit score means a higher interest rate. It means higher premiums to be paid. You do not want higher payments, you want lower payments and a shorter payment period.

OUR CUSTOMERS LOVE US

My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Linderman Beadles
Linderman Beadles
06:16 26 Feb 18
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Gina Carroll
Gina Carroll
05:06 28 Feb 18
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Deane Laflamme
Deane Laflamme
04:40 27 Feb 18
My wife and I recently purchased our first place, so we started to look for a mortgage broker. Neither of us really knew what we were doing, so it was important to us that we could find someone who could guide us through the whole process. After some searching we finally stumbled upon the guys at certified mortgage broker We worked with leon and his team, got a great rate and they took their time to explain and guide us through the whole process. Great rates and great service. Would absolutely recommend.
Stephnie Boyles
Stephnie Boyles
13:59 15 Nov 17
Got tired of sow service and mediocre rates from my bank, so I started looking for a mortgage broker. Had some family friends recommended Leon and his team, so decided to check them out. Was very impressed with Leon, he guided me through step by step, recommended a mortgage and I ended up switching to him. My rate is better and he always answers call and emails right away.
Billye Peralta
Billye Peralta
13:38 19 Nov 17
Was looking for a new mortgage broker, my old one moved so had to find someone else to work with. Didn't really know how to go about it so just started googling. After some searching and talking, decided to go with the guys at certified mortgage broker. No one could match their rates, plus their customer service is honestly some of the best i’ve seen.
Moore Hoover
Moore Hoover
02:25 16 Nov 17
We worked with Leon and he provided a thorough and a professional process in re-financing our mortgage. Communication was consistent, he was easy to reach and documents were processed quickly. Most importantly, we got a great rate that has us savings hundreds of dollars per month on our home. These guys really know what they're doing.
Melissa Brown
Melissa Brown
00:12 18 Jul 17
As third time home buyers we couldn't be happier with the service we got from Certified mortgage broker. The team did a great job working on our loan. Everything was fast, easy and transparent. Probably the best mortgage experience i’ve ever had.
Riley Clements
Riley Clements
15:27 20 Jul 17

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