Nowadays, many loans are best geared for buyers with an 800 credit score or more if you’re looking for the best rates and programs. FHA and lower-down Conventional loans are certainly attainable for buyers not even at 700. Still, they’re also more expensive because of higher rates and additional PMI costs upfront that are paid at closing or added to your mortgage payment with existing PMI.

Rates and fees are always lower when your credit score is high and you can qualify for better loan terms that don’t have two forms of PMI and added risk factor costs lenders charge for those buyers. If you want to save hundreds on your mortgage every month, you need an 800 credit score. I know how hard it is to get there so I developed a simple program to help buyers, and financial situations, from any score get started. Building credit takes time and for some, it could take two years to see any progress. This is not a quick-fix scheme. These are legitimate and proven strategies that help you achieve and keep an 800 credit score or better; while saving buyers money on their journey and getting their finances in top shape to buy.

This is a self-paced program and FREE to anyone looking to improve their credit and get their money in order. If you’re interested in The Road to 800 please email Jennifer agentofparadise@gmail.com and type 800 in the subject line.