Credit scores range anywhere from 350-850 and are impacted by a range of factors.
Your number is determined by five combined factors to make up your personal score. Yes, your credit score is an important element to your home buying process, but even if your score is lower than desired, don’t give up! At Summit Funding, we have a team of knowledgeable loan officers who will work with you on your credit strengths and guide you through any weaknesses. Your new home is the ultimate finish line and we want to cross it with you.
This looks at what types of credit you have.
New applications for credit might cause you to be risky and lower your score.
How long your accounts have been open. If you are going to close an account, DO NOT close the oldest.
How active EACH of your accounts are will affect this portion of your score.
Making sure that you have your payments in full and on time.
Mark was amazing! Very knowledgeable about the market and definitely prioritizes his clients even when he’s on vacation! Any question you may have, he’s got an answer or has a team member who does! Thank you for a great experience during the loan process!
Rudy and his team helped us each step of the way in securing our loan in our home-buying process. The whole process can be stressful at times, but when you feel you have a team supporting you, your search for the right home and submitting an offer can have a successful and rewarding outcome!
I love working with Mark Massa and the team . They go above and beyond to make the process painless . The communication is excellent from start to finish . I highly recommend them !
Being in another state we weren’t sure how smoothly this process would go but everyone made it easy and smooth to get through even though we were in a different state and time zone. When we were able to make a trip out Braeden took time out of his schedule to meet us which was above and beyond anything expected. Y’all got it down! Just superb.
Braeden & his team made the process easy for us, even when making the shift one of the deals fell through due to the pre-buy inspections. Communication was excellent. Braeden even took time to meet us when we visited one of the houses we were considering.
Mark and his team handled our loan process so well we were confident we were in great hands from day one. The communication, friendliness, and efficiency made our experience a great one. I highly recommend them to anyone looking to purchase a home!