Frequently Asked Questions

Question: Are you real estate brokers?
Answer: No we are not real estate agents and are not associated with any real estate broker. We are private individuals who solve real estate ownership problems.

Question: What does no bank qualifying mean?
Answer: We do not have to jump through hoops and fill out tons of paper work. You do not need to qualify in the usual sense. We qualify you on a personal basis.

Question: What is a FICO score?
Answer: The FICO score is the common name for the credit score lenders use to qualify borrowers. It was coined by Experian a major credit gathering and reporting agency used by lenders. Fair Isaac Corporation (FICO) was developed to score peoples credit using a mathematical algorithm. It is now used by all major credit gathering and reporting agencies. This same score is called Beacon by Equifax and called Empiria score by TransUnion the other two credit gathering organizations.

Question: What is a three bureau merged credit report?
Answer: When a lender pulls your credit report the lender uses all three of the above mention credit agencies. They all give their own score. Most lenders then use the middle score regardless of who is reporting it and that is your FICO score.