First, let me start my story by saying I didn't have good credit and I certainly didn't have any money saved.
I wanted to buy a place about six months ago, but because of my situation and the mortgage industry being turned upside down, I didn't have any luck. One place I tried mysteriously went out of business and another just strung me along for weeks, just to tell me they were sorry! My biggest mistake was to try both of those big companies that you see on TV all of the time. They're just phone people who sell the leads to banks...my credit got pulled...I don't know how many times!
WELL, I heard through a friend of this guy John Frels at Mortgage Associates. They seemed very happy with him so I called. He went over my credit with me, suggested that I pay down on some credit cards, write some credit explanation letters to the bureaus and helped me plan a budget to save for some downpayment money.
TODAY.....My credit score is better....John set me up with a really nice Realtor....and I just closed on a new home! I can't tell you enough how WONDERFUL I feel!!!
Pros: EMPOWERING, MORE THAN HELPFUL