Jamie Lamartin, Realtor Keller Williams Preferred Properties 1441 McCormick Dr, Ste 1020 Upper Marlboro, MD 20774 Office: 240-737-5000 Direct: 443-221-3559 |
When shopping for a mortgage loan your income, debt-to-income and credit score are factors in determining whether you are approved.  Should there be a large discrepancy between the partner’s credit scores there is a risk of a higher interest rate mortgage.  This will make  your mortgage loan more difficult to pay off.    OPTIONS TO CONSIDER Improve Your Credit Be proactive with your credit before you start shopping for a house and before you applying for a mortgage. If you or your partner have bad credit, it’s best to work to improve it months ahead of time rather than not getting a mortgage or paying a higher rate on a loan.  Improving your credit doesn’t need to take years to happen.  You must also consider that it does not happen overnight. Dispute Credit Report Errors You have the right to dispute any error on your credit report, and it may benefit you. Errors may include a wrong Social Security number, address, late payment or account. Apply Individually If you are the spouse with the higher credit rating, then try to apply for the mortgage loan yourself,  If you apply for it, only your income will be considered.  Note that because you apply alone, your spouse does not completely get off the hook. Consider Adding a Parent to the Loan If you marry someone with bad credit, and are denied by a mortgage company, consider adding a parent to the loan and deed. Know Your Partner’s Credit Before You’re Married There are enough obstacles to a normal marriage without being fiscally surprised!  Know your spouse and their debt, credit and habits, before you are married.
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181 Harry S Truman Parkway Suite 200 Annapolis, MD 21401 Phone: (410) 266-3600 Fax: (410) 266-7699 Title & Settlement Lawyers Mary Daniels is a loan officer with Freedom Mortgage’s branch in Crofton, Maryland. She has over 19 years’ experience in the mortgage industry. Mary’s knowledge, along with her desire to meet the financial goals of her customers, has proven to enhance her customers’ experience during the home buying process. She is passionate about helping renters to become homeowners and confident in securing the best product and rate to meet her customer’s needs, whether it be for a purchase or refinance.
I have been a mortgage lending professional since 1983. My experience in the mortgage lending business includes mortgage operations, underwriting and originations. I joined PNC Bank the Emerging Markets Loan Officer in 2016.  My commitment to my realtor/business partners is to lead with integrity, deliver timely and professional response to the loan process and to be accessible throughout the mortgage financing process. My goal is to provide value to my current realtor/business partner relationships as well as to create strategies to nurture new realtor/business referral partner relationships.  My commitment to my clients is to provide honest, courteous and professional service. I will take the time to listen to your needs, evaluate loan product options and present tangible solutions to help you meet your short and long term financial goals.  Whether buying a home or refinancing an existing mortgage, allow me and my PNC team be your "One Stop Shop"; proactively managing the loan process from start to finish. OFFICE (202) 745-4121 CELL (240) 338-1543 FAX (877) 668-4014 WEBSITE
Military, Veterans, VA Loans Jamie Lamartin is your local Military Relocation Specialist Phone 443-221-3559  Email:: U.S. Military/Veterans  Loan & Relocation Services
Credit Options to Consider