I have been in the financial field for over 20 years, and have held positions such as Licensed Loan Officer, Processor, Underwriter, and Credit Coach over the past few decades. One of the things that ceased to amaze me how good people get turned down for mortgages. Even during the “you have a pulse…here’s a mortgage” subprime mortgage market days, GOOD PEOPLE got turned down OR did not apply because they did not THINK they would get approved.
I as YOUR Mortgage Loan Coach can give you the information you need, in a format that is understandable and without any pressures to apply “Right Now”. Since I no longer desire to be a “Loan Officer” (I found that I can be much more HELPFUL without the SALES PITCH)
I bought my house as a single mom with no money down and lousy credit in 2005, I had a dismissed bankruptcy that was less than 6 months old (kind of the same as saying I don’t feel like paying you anymore Trustee, I will pay these people myself) no assets, a 10-year-old car and 2 children who I did not receive any child support for.
Would you have given me a mortgage???
I was lucky I knew the business; I knew what would prevent me from getting a mortgage and what would not stop me. I knew what reasons were valid to explain credit blemishes AND I knew how to clean up my credit quickly, permanently, and
I DID NOT HAVE TO PAY ANYONE!!!
Many people these days have seen and perhaps even contacted a “Debt Consolidation” or “Credit Counseling” Agency to find out that not only do they have to PAY THOSE PEOPLE it ALSO IS VIEWED AS BAD AS A BANKRUPTCY by a Mortgage Underwriter.
HMMMMM……REALLY? WHY?
The reason the Debt consolidator and Credit Counseling Company is view as a black mark is because YOU ARE PAYING SOMEONE ELSE TO HANDLE YOUR FINANCES. The one thing that all underwriters agree on is if you have to pay a company to get your finances in order or to (even worse) talk to your creditors for you and make payment arrangements with them then you are labeled a credit risk. They think…
YOU DO NOT KNOW HOW TO PAY YOUR OWN BILLS
So I as YOUR MORTGAGE LOAN COACH wanted to get information out to people who want to get a mortgage or want to repair their credit and DO NOT want the BLACK MARK of Credit Counseling on their credit reports. (YES CCS does report this to credit bureaus and it does say some sort of statement that lets everyone know you had to hire someone else to handle your debt for you.
My Mortgage Loan Coach 
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I do not know whether it’s just me or if everybody else experiencing problems with your site. It appears like some of the text within your posts are running off the screen. Can somebody else please provide feedback and let me know if this is happening to them as well? This could be a issue with my web browser because I’ve had this
happen before. Thanks
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