Payment Calculators Mortgage Loan Calculator Article
About a year ago, I had a conversation with a guy who’s business
specialized in bad credit mortgages. What he told me really opened my
eyes. He basically said that the banks don’t care what credit report they get
from any of the three major credit bureaus, they’re all highly reputable and
trusted - after all there’s only three of them for the whole US! I can’t think
of any other business with so little competition.
Anyway, because they’re all trusted equally, he would simply pull any
client’s credit report through all three bureaus - and commonly find that one
was missing some (even sometimes all) of the client’s bad credit history. He
was obviously motivated to get the mortgage for the client, because it got
him paid. And, the better the deal he got, the more chance that a client
would decide to take the offer. So, he sent in the credit report that he liked
best, and that was good enough for the banks - and another person with
bad credit gets a mortgage.
Now, remember what we were thinking of a little while ago, what if you
could have your loan shopped around to hundreds, or even thousands of
mortgage companies - by people highly motivated and determined to get you
the best deal?
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