Solutions Treks

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Solutions Treks

Your credit report is your financial reputation with the outside world. It is designed to evaluate credit worthiness, but has evolved into something that has an affect on other areas of your life. Don't believe me, consider this:

Your credit report may affect . . .

    * The loan products and rates that you
      qualify to receive.

    * The rate that you pay for homeowners and
       auto insurance.

    * Employment possibilities as well as
security clearances.

    * Rental status.

Credit Bureaus are not government agencies and often have incomplete or inaccurate information.

Credit reports and credit scores have an affect on a person's life. The sad part is that many people have never looked at their credit report and of the people who have, many have not really understood what they have read. Credit reports were never designed for the consumer to see. Because of that, people that have reviewed their credit report tend to approach it with the "way it should be". The challenge is that it is not always, "the way it actually works."

Many people approach their credit reports from the consumer's perspective and not the lenders.

Federal Law provides people with many tools to take charge of their credit reports. Together we work to obtain a free copy of your credit report, review the contents and plot a course to strengthen the credit score. So if you need to establish credit, repair a report or would just like some help developing a strong credit score, contact us today and see what we can do to help.

Recently declined for a mortgage?

We have a special program just for you. If you have been declined because of lack of credit or credit scores, we will work with you until you are approved. If it takes 30 days or a year, our goal is to help you become credit strong. We work side by side with your lender to position you in the strongest place possible. This includes eliminating inaccurate information, establishing trade lines and strengthening your credit scores. Often, your mortgage company will forward a copy of your credit report upon your request. As with all of your Solutions Treks, we offer a free initial analysis to review your report with you. Contact us today to see how we can help.

When people find themselves suddenly single, it can be the most traumatic time of their financial life. While income may be reduced, expenses rise. Often times, people feel as though their financial legs were kicked out from under them and they do not know which way to turn. We can help!

We understand the challenges that a single person faces in this world. We walk along side of you, helping you regain your financial footing. We become a resource for you giving you a shoulder to lean on and a confidant to help guide the way.

Here we work together for three months providing financial training. We become your personal tutor on financial matters and work to develop a game plan for your future.

Weddings are an exciting time in people’s lives. Two lives are becoming one. As their lives are united, so are their financial past, present and future. It is a new beginning and a great opportunity to begin to establish your family’s financial life.

Opposites attract and people approach money differently. We are passionate about reducing the financial baggage that someone may bring, while providing the tools for a couple to begin to build their financial life upon.

Here we work together for three months providing financial training. We become your personal tutor on financial matters and work to develop a game plan for your future.

Buying a home is both
exciting and stressful.

People are excited about the change and the possibilities of a new home. At the same time, most people are venturing into an area where they are making one of the largest purchases of their lives with very little experience and knowledge. People tend to lean on real estate agents to guide them through the process and make the transaction a smooth one. Just as in any industry, there are some really good real estate agents as well as some that are not so good. The real question is are you ready to turn over such a major transaction without doing any prior work to postion yourself properly?

Just like any transaction,
preparation is the key.

By taking the time to properly prepare, most families find that the stress of purchasing is reduced and many find that they have saved thousands of dollars in the process. The largest key of not being taken advantage of is knowledge. Understanding the transaction is key.

It begins with the real estate agent.

Real estate agents are usually where most people begin. Their responsibilities include helping you narrow your search and negotiating with the seller's agent on your behalf. They are hired and work for you. How do you know if you have a good real estate agent? We work along side our clients preparing them to interview potential agents. Knowing what questions need asked as well as the different keys become critical. Having a good real estate agent is one of the largest keys to a smooth transaction.

Getting Pre-Approved is next.

The mortgage process can be daunting. From the paperwork to the credit report, it is a stressful time. However, you can prepare by evaluating the key parts of the mortgage process and positioning yourself as strong as possible. This ranges from checking your credit report to gathering the proper paperwork. You can choose whatever mortgage company that you prefer. They are not all the same. Most people just go to the mortgage person that their real estate agent recommends and stay there. But just like real estate agents, not all mortgage people do the same things. Some are very good, providing excellent service while others just do not. Mortgage people are required to give you information such as good faith estimates and truth in lending documents. The challenge is that most people do not know how to read them. Often times, people spend more money than needed. We work closely with our clients, teaching them what questions need to be asked, as well as, the warning signs of a bad mortgage professional.

Know what you want and what is critical, important or just a wish.

The largest part of preparing to move is narrowing down what you would like. This focuses you and your agent to find the best fit for your needs and wants. Becoming focused on the really important things, stops people from getting swayed into something that they find out later, really does not meet their needs. By knowing what is important now, as well as, the future is one of the keys to a successful transaction.

Operation Crusader works with its clients to empower them to understand the process.
Our clients are able to . . .

* Understand the role of a real estate agent and
   develop skills to properly interview them to find
   a good one.

* Narrow their search to find the best home for the
present as well as the future.

* Know how the purchase will impact their monthly
budget and have taken steps to prepare.

* Position themselves to pay off the mortgage quickly.

* Become proactive with the paperwork, knowing what
   to look for to show that it is a fair transaction.

* Understand the entire process and actively
participate within it.

What you do not know can,
and often does, hurt you!

With a transaction of this size, small things really do make a difference. The sad part is that many people end up spending thousands of dollars more in fees and interest than they would have had to pay. Knowledge is power. We work along side of you providing support when you need it. Your real estate agent and mortgage person earn money only when the transaction is complete. Because both earn a percentage, the incentive is there for them to deal with the transaction quickly. Since we are not involved within the transaction, we can work with you as a resource and a confidant. Contact us today to see what we can do for you.