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When you could actually get a Mortgage with a 550 Credit Score ...
We compared a couple of Buyers. All things equal except Credit Score. One Buyer was a 550, the other a 720.
The house was $150,000. The Mortgage was a 30 year fixed. OK, for those of you in other areas, this was an Oklahoma comparison. $150k is a real price in this area.
Because of the "higher risk" of someone with a Low Credit Score, our Buyer with a 550 Score was quoted 9.29%.
Our Buyer with a 720 Score was quoted 5.7% for the same purchase.
When you relate that Interest Rate to real Dollars by comparing payments, our Low Score Buyer was looking at paying $367 per month MORE than our High Credit Score Buyer for the same house.
The Real Cost of Low Credit Score Here was $132,000.00 over the 30 year term.
Of course, he could have gotten into an ARM loan, but then there are refinance costs in a few years, or bear the cost of the real higher payment.
If you have paid or settled a Tax Lien, it is a good idea to get a copy of the Release filed with the County Clerk (or wherever your local Liens originate). The Government is much better at Filing Liens than Releases, and the Life Span for automatic removal of a Tax Lien is 10 Years from the date of Payment or Release.
CCFG has shortened this time frame for lots of Clients. Can't wait a Decade? We can help! Click here to check out the Actual Results on the Reply Sample Page!
Is it just Mortgages that cost more with a Low Credit Score?
Sorry, but no. Conventional Auto Loans, being simple interest loans work the same way. The amount borrowed is less, but these days you have a choice of 0% interest if you have a Score around 700 or above, all the way up to about 24% for a high risk low score loan.
Insurance costs more with a low Credit Score.
Credit Cards of course are more costly for those with lower Scores.
No Interest Charges or Carrying Fees!
That's CCFG's Total Fee! Limited Time Offer!
In 2008 this was a deal at $795,
and we still have no per item charges!
This is our Bailout Special, a far better deal than
Buy One, Get One Free!
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