To many of us, those “free credit score report.com” commercials are catchy and downright cute. In addition to the memorable jingle, each ad promotes a lesson as to why checking your credit score is important. From only having enough credit to purchase a “sub compact” car to needing to work at a local renaissance fair or seafood restaurant, viewers get the idea that not checking your credit score can result in hardship.

Why is our credit score important and what exactly does it mean? Generally, your credit score tells lenders what you’ve been doing financially for an extended period of time. A few components include recent credit activity, if you are delinquent on loans and own or have owned property. The credit bureau assigns you a score that tells the lender your likelihood of paying back a loan. An excellent credit score hover around 800 whereas a terrible score rock bottoms anywhere below 600.

Many Americans fall somewhere in between those scores and there are steps you can take to remedy a failing score. However, do you know which components make up your score?

Stay tuned to our next blog where we’ll discuss those components. Or call one of our AmeriFirst loan professionals to review what you need for a good or excellent credit score at 800-466-5626 or visit our contact us page to send us your information online.

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Back “in the day” completing a loan application meant that a lot of trees lost their life at the hands of the local lumberjack. It was one of the necessary evils of doing business—humans needed to make deals but unfortunately trees had to die.

At AmeriFirst we can’t continue watching the needless slaughter of innocent trees and are doing something about it. In fact, there is a rumor going around on the Internet that killing trees has something to do with global warming…something to ponder.

Your lender is doing our part to save the trees by offering you an electronic application. We offer three ways you can apply for a loan from the comfort of your easy chair:

1. Complete a secure online application form—saves plenty of trees and we’ll follow up with you regarding the additional necessary documentation.
2. Download and print our application—not as nature friendly but just as easy to complete. In fact, we offer you an application that allows you to complete it on your computer, print and deliver to us. No hand writing involved!
3. Online application request form—if you want to chat before completing an application, we want to talk to you! Complete a short electronic information request form and we’ll get right back to you and zip an application over to you ASAP.

Ask us about electronically submitting some of your necessary forms along with your application too. Together we can save the trees. Contact your tree loving friends at AmeriFirst today at 800-466-5626. Or, save another tree by using our online information request form by clicking here.

HUD: http://www.hud.gov/buying/comq.cfm

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