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发布于:2016-4-8 08:47:43  访问:84 次 回复:0 篇
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Looking To Get A Lower Interest Rate Or Approval For A Home Loan?
So, you have submitted your loan application for a home or perhaps you`re trying to refinance your current mortgage to a lower interest rate when you`re suddenly told by your prospective lender that you are not approved for your loan or you are approved for the home loan but your interest rate will be astronomically high because of your credit report and score.
You may be in shock or disbelief about this news you just received from the lender because you thought your credit was in good standing and you would be able to qualify for a home loan and secure a lower interest rate.
You are probably wondering how you can go about trying to get a lower interest rate for your home loan or approval for a loan, you may want to consider using rapid rescoring. Rapid rescoring is a service offered by most lenders and independent credit bureaus for a fee to assist consumers applying for a home mortgage to secure better interest rates for home loans and possible approval of a home loan. It is noted that this service is not available directly to consumers.
The consumer must go directly to the lender or mortgage broker to utilize rapid rescoring.
The way rapid rescoring works is that if there are mistakes or errors found on your credit report you will have to provide written documentation to prove there is an error or mistake on your credit report. The documentation you have provided is then given to the rapid rescoring representative who will research and gather information to provide to the three national credit bureaus Experian, Equifax and TransUnion. The rapid rescoring representative will ask the credit bureaus to correct your credit report information. This process normally takes approximately twenty four to seventy two hours and your credit report is normally corrected and your credit score increases as a result of this effort.
It is noted that if you did this process yourself it could take several weeks to get your credit report corrected. In many instances time is of the essence for the consumer attempting to secure a home loan purchase or refinance of an existing home mortgage.
Keep in mind when you`re trying to purchase a home or refinance your existing mortgage that you are diligent in trying to get the lowest interest rate you can and also ensure if you are turned down for a home loan that you give yourself a second chance by asking the lender or mortgage broker if they offer rapid rescoring.
In addition, if you decide to use rapid rescoring, be sure you do your part by providing the documentation needed by your rapid rescoring representative to assist in correcting negative information or errors that may be listed on your credit report. You may also want to check with your rapid rescoring representative to see if your debt can be restructured to also increase your credit score.
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