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Slow credit, no credit, all applications approved.” Yes, but on what terms?


Loan terms and rates are determined by credit scores. Following is a guideline table for loan % to value on sub-prime conventional loans:


Credit scores Loan % to Value Down payment required
600-620 100% loan to value No down payment
560-580 90-95% loan to value 5-10% down payment
550-560 85-90% loan to value 10-15% down payment
535-550 80-85% loan to value 15-20% down payment
500-535 80% loan to value 20% down payment



In addition to demand for increased down payments, a lower credit score dictates higher interest rates. Bad credit can cost you thousands of dollars over the life of a home mortgage loan. That is an unfortunate reality for the majority of American consumers.

Begin an effort to repair and rebuild your credit report. If you don’t have time, or don’t know where to start, contact RMCN Credit Services for assistance. We know the laws inside-and-out and can get your inaccuracies, as well as certain other items, removed. By law, the credit bureaus must provide adequate proof of their records or remove disputed items. We hold the credit bureaus legally responsible for what they list on your credit report, thereby improving your credit score.

Over time, with responsible money management, you can further improve your credit score.

RMCN Credit Services
375 Adriatic Parkway #2205
McKinney, TX 75072
(972) 529-0900 Office (972) 562-0225 Fax
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