This site is designed to help
you understand the mortgage loan process
and answer questions specific to a mortgage loan. We have tried to cover
as many areas as possible. There is information in this site for almost
type of Home Mortgage available.
One of the most important
aspects to remember in obtaining a mortgage is
to determine what your needs really are. There are literally thousands of
different lenders out there, all with their own products and guidelines
There are basically three
ingredients to a loan.
1. Collateral (your home)
2. Credit (your credit)
3. Cash Flow (your debt ratio
or ability to repay)
Would you like to
know more about what's in your Credit Report?
Protecting your good credit...
Your credit report is the first step in applying for home loans or other
loans. Knowing what is in it is often the most important question that a
borrower can have. Some of these sites will let you request a credit report
online, while others require a written request:
Information Systems - TRW / Experian.
Equifax - Order a copy of your credit
Trans Union - a primary source of credit
information and offers risk and portfolio-management services.
For Written Requests:
TRW P.O. Box 8030
Layton, Utah 84041-8030
Equifax PO Box 105873
Atlanta, Ga. 30348
Trans Union PO Box 390
Springfield, Pa. 19064-0390
To challenge a report:
call the toll-free number listed above for instructions, then send a copy of
the report and a letter containing the information requested to:
PO Box 2106 949
Allen, Texas 75002-0949
Equifax PO Box
Atlanta, Ga. 30374
P.O. Box 789768
Wichita, Kan. 67278