Credit-History Analysis

When you apply for a mortgage, the lender evaluates your income, sources of cash to be used, and perhaps most importantly, your present and past performance regarding credit.

Credit-History Analysis takes into account payment patterns on mortgages or rent, installment loans, vehicle loans, student loans and credit cards. Public records are also reviewed for possible derogatory items such as collections, judgements, bankruptcies, and foreclosures.

A person's credit characteristics are then compiled by credit bureaus into a numerical credit score.

Many lenders will try to categorize borrowers by credit score; this often results in some borrowers being incorrectly placed in higher-rate loan programs.

With Rob Hickerson, you will always be offered the best rate loan for which you are qualified.

To receive a free Credit-History Analysis please complete the On-Line Application, and a mortgage representative will call you to discuss your circumstances.


Rob Hickerson of LouisvilleMortgage.com & Mortgage Professionals, Inc.
(502) 553-3212 or (877) 993-2328

NOTE: Rates and APR quotes are based on a 20% down payment for conventional mortgages and minimum down payment for FHA/VA. These are sample rates, APR and closing costs that have been recently available. Your individual rate will depend on the loan program chosen, down payment and your credit history. Rates and pricing are subject to change and may not be available to you at closing.

Disclaimer: These numbers and calculations are for informational purposes only, and are not subject to Reg. Z disclosure requirements. Every real estate transaction is unique, and the costs and estimates provided may vary significantly from the actual final transaction numbers. For example, the property tax/insurance numbers are "average" estimates. The location of the property determines the actual amount of tax/insurance. Additionally, lenders may require PMI or other documents, such as surveys that may result in higher costs. When you file a signed application Rob Hickerson with LouisvilleMortgage.com & Mortgage Professionals, Inc. will provide you with a written estimate of the payment and costs as required by RESPA.