Financial Access, LLC "Property Ownership Within Reach" First and Second Mortgages · Purchases · Refinancing · Home Equity Loans · Lines of Credit Ph: 267-382-0690 Toll Free: 866-636-9300 · Licensed in Pennsylvania
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CONTACT US FOR SCENARIOS OR WITH QUESTIONS: First Name Last Name Email Phone Best Time to Contact Morning Afternoon evening Type of Loan Purchase Refinance Invest. Prop. 2nd/Vac. Home Debt Consol. Cash/Other Credit Rating Excellent Good Average Fair Not Sure

Struggling with less than perfect credit? Not sure if you qualify for a mortgage? Qualifying for a mortgage with "problem" credit is possible with Financial Access, LLC. The company's goal is to help PA residents obtain a mortgage by reviewing a current credit report, explaining how to correct the problem (s), and following up to assure your problem account(s) have been updated prior to settlement. There is no need to schedule a face-to-face appointment because the information can be relayed over the phone, fax, or e-mail. The process is one of the services provided by Financial Access, LLC to improve your qualifications for a loan. The credit (FICO) scores provided by the three major credit reporting bureaus determines your ability to pre-qualify for a mortgage loan. If the average score is below 620, you (the borrower) will qualify for a "subprime" loan. You will pay a higher interest rate than a "prime" loan, because the lender views the loan as a higher risk for lending money. A few examples of credit problems that would affect your FICO score noted on a credit report: Bankruptcy-Chapter 7 or Chapter 13 Judgments Outstanding debt not paid for over 120 days in collections. Debt not paid and uncollected is changed to a profit and loss status Car payments and credit card payments delinquent over 30 days. Mortgage payments delinquent over 30 days Repossession or voluntary repossession of a car loan Foreclosure and repossession of a secure residential property Tax and other liens Complications from a divorce Excellent, good, or problem credit, Financial Access, LLC has many programs that meet the needs of first-time home buyers and current home owners to purchase the next property or simply refinance. Contact us now for a free, no-obligation credit check and mortgage financial analysis! Just fill out the form on the left hand side of this page to get started. We Can Make it Possible!