Are you thinking of buying or refinancing a home? Do you know if you are eligible for a mortgage loan? You may want to obtain a copy of your credit report! The information in your credit report affects whether you can get a loan and how much you will have to pay to borrow the money. By checking your credit report, you can ensure that the information is accurate and up to date.

Did you know that you can receive your credit report for FREE? A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each credit reporting agency - Experian, Equifax and TransUnion - to provide you with a free copy of your credit report, at your request, once every year.

How to get your free credit report:

The three credit reporting agencies have set up one central website, toll-free telephone number, and mailing address through which you can order your free annual report.

On the Web: www.annualcreditreport.com

Telephone: 877-322-8228

Mail in this Annual Credit Report Request Form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Once you receive your report, give me a call. I'll pre-qualify you for a home loan before your home search begins. Buying a home is a big step. You can trust me to find the loan program that's best for you.