To become a certified credit counselor, decide what type of clients to work with, visit local, non-profit credit counseling businesses, find an accredited school, and take classes on finances and credit counseling. Find a business that will help pay for credit counseling classes with advice from a certified financial consultant in this free video on credit counseling.

Expert: William Rae
Contact: www.hbwfl.com
Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years.
Filmmaker: Christopher Rokosz

The Truth About Debt Management and Credit Scores #moneyhabits #money #budgeting2024

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Are you dreaming of owning a home and finding it difficult to qualify for a traditional mortgage?

An alternative home loan solution could be just what you need! These types of loans are great at opening doors for people that are self-employed, someone with only a tax id (individual tax identification number or ITIN), those looking to purchase unique properties like vacant land, mobile homes and non-warrantable condos, individuals that have experienced a recent credit event and everyone in between.

What is a Non-QM Loan?
Non-QM stands for Non-Qualified Mortgage. It’s a home financing solution for responsible borrowers and is specifically intended to help people that may not meet the requirements of a traditional home loan program.

These loans typically utilize special income qualification methods and are designed to help people with unique income streams. Some examples of the types people that find Non-QM home loans beneficial are individuals that are self-employed as an independent business owner, contractor, gig worker, artist, etc.

Loan programs in this space are typically more flexible in terms of credit. This flexibility may allow a borrower who has experienced a recent credit event like a bankruptcy or foreclosure, qualify for a new mortgage and opens doors to homeownership for people who have not yet established credit.

A Non-QM home loan is not risky or unsafe for borrowers. It’s simply a home loan alternative that allows the lender to review income, analyze credit and meet the borrower’s unique income or credit profile, differently.

Who Can Benefit from Non-QM Loans?
From self-employed individuals to people with a high debt-to-income (DTI) and those that only have an ITIN. Alternative mortgage options benefit borrowers who don’t meet the standard criteria for a traditional loan.

Non-QM programs are suitable for individuals with non-traditional income sources. This includes income derived from self-employment, 1099’s, irregular commission, or freelance work. An alternative home loan can benefit individuals that have experienced a recent credit event such as a bankruptcy or foreclosure, or ITIN holders who have not yet established credit in the US. Non-Qualified Mortgages offer flexible underwriting guidelines providing an opportunity for homeownership to those who may not qualify for conventional loans.

The advantages of considering an alternative mortgage loan for homeownership include:

-Greater flexibility in the approval process
-The ability to qualify based on alternative documentation
-The opportunity for homeownership for borrowers who might not qualify for a traditional QM loan.

Real estate investors and those seeking financing for unique property types can also benefit in this space.

For potential homebuyers with unique financial situations, like recent credit events or high debt-to-income ratios, a Non-QM loan is a great option. These loans provide an opportunity for individuals who may not qualify for a traditional mortgage to become homeowners.

Key takeaways
Non-QM loans are for people who can’t get traditional mortgages. They work for self-employed or freelance workers, artists, gig workers and immigrants, or those who have experienced a recent, negative credit event. These alternative financing solutions have flexible requirements and are a great alternative to traditional financing.

Non-QM loans are available to a broad range of potential customers. Complete this quick form today and one of our lending professionals will reach out to you to begin determining your eligibility!

Contact Us Today!

Submit a request to speak with an experienced Non-QM loan officer and take the first step towards owning your dream home.

Submit here: www.fnba.com/mortgage

Approval with 600 credit score is possible; however, this credit score alone does not guarantee loan approval as other requirements will need to be met in order to qualify.

The waiting period discussed is specific to FNBA and waiting periods may vary depending on the lender you choose. In order to qualify in as little as 1 day, you will need to demonstrate rebuilt credit and savings history.

NMLS# 413209
EQUAL HOUSING LENDER

Connect with First National Bank of America:

First National Bank of America Official Website:
https://www.fnba.com/

Follow FNBA on LINKEDIN:
https://www.linkedin.com/company/fnba

Like FNBA on FACEBOOK: https://www.facebook.com/firstnatlbankofamerica

Follow us on INSTAGRAM:
https://www.instagram.com/firstnationalbankofamerica/

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Have any questions or want to talk about your situation? Let’s chat!
????Text or call 503-799-3711 ????
???? juleef@rate.com ????
Schedule a call: https://calendly.com/juleef/let-s-say-hi
To apply: https://rate.com/juleef
Lending wherever you want to call “home” ?????? — in all 50 states.

In this video:
Chapters:
00:00 – Introduction: you’re tracking the wrong credit score
00:55 – There’s no database with your credit score in it
01:12 – A score only exists at the moment it is requested
02:00 – The variability of credit scores can be an advantage
02:28 – History of credit scores?
03:36 – The 3 national credit bureaus
04:22 – So how many credit scores do you have?
05:15 – What score do you see on Credit Karma?
05:51 – FICO releases new versions
06:04 – What version is used in mortgage lending?
07:28 – How do you find out your mortgage credit score?
07:40 – The “not-free” option: signing up with myFICO.com
08:21 – What will I find when I sign in to myFICO.com?
09:44 – Don’t stress the difference in your scores… It’s normal!
10:53 – The free way to get your mortgage credit scores
11:29 – Should you wait until you’re ready to buy to contact a lender?

Julee Felsman, SVP of Mortgage Lending NMLS 120831
Guaranteed Rate Inc NMLS 2611 Equal Housing Lender.
www.nmlsconsumeraccess.org
www.rate.com/licensing
www.rate.com/privacy

Branch address: 1300 SE Stark St Ste 111, Portland, OR 97214
State Licenses:
AK – AK120831, AL – 73482, AR – 117882, AZ – 1002329, CA – CA-DBO120831, CO – 100514850, CT – LO-120831, DC – MLO120831, DE – MLO – 120831, FL – LO66603, GA – 67474, HI – HI-120831, IA – 34589, ID – MLO-2080120831, IL – 031.0056868, IN – 42483, KS – LO.0039957, KY – MC713848, LA – Licensed, MA – MLO120831, MD – 120831, ME – Licensed, MI – 120831, MN – MN-MLO-120831, MO – MO-120831, MS – 120831, MT – 120831, NC – I-187748, ND – NDMLO120831, NE – Licensed, NH – Licensed, NJ – Licensed, NM – Licensed, NV – 65660, NY – Licensed, OH – MLO-OH.120831, OK – MLO21956, OR – Licensed, PA – 74700, RI – Licensed, SC – MLO – 120831, SD – MLO.09183, TN – 203658, TX – Licensed, UT – 12003187, VA – MLO-41738VA, VT – VT120831, WA – MLO-120831, WI – 120831, WV – LO-120831, WY – 8673

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Content found in these videos is public information. However, all information including text, photographs, etc. is copyrighted and is protected by United States and international copyright laws. These videos may not be used, reproduced, or distributed for commercial purposes without prior written consent from Julee Felsman and Guaranteed Rate.

As the name suggests, credit counseling services help you manage your debts through effective budgeting and financial planning. Evidently, these services help individuals improve or maintain their credit scores by avoiding defaulting on loans.

If you need financial debt help in Alberta, credit counseling services can come to your rescue, helping you pay off your debts within the specified tenure. Here are a few benefits of credit counseling services, which can help you maintain your credit score.

With debt consolidation loans, you can pay off high-interest debts like credit cards. If your new loan features a lower interest rate than you were paying before, you could save money in interest fees. Below you’ll find our complete list of the best personal loans for debt consolidation as well as information about how debt consolidation loans work and how they can impact your credit.

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– – – Let’s Connect: – – –
? Subscribe: https://www.youtube.com/c/FinanceTheory
? Twitter: (Coming Soon)
? Facebook: (Coming Soon)
? Instagram: (Coming Soon)
? Website: (Coming Soon)

– – – Disclaimer: – – –
Links included in this description might be affiliate links. If you purchase a product or service with the links that I provide, I may receive a small commission. There is no additional charge to you!

This video is not intended as financial advice nor should be used as a substitute for your own research. Please consult a certified investment professional before making any decisions.

Hey Hey! Welcome to another LIT segment of Credit Makes $ense w/ Netiva, The Frugal CrediTnista

**** Remember, We Don’t Grow Alone, So, Subscribe & Share! ****

This week we’re BUSTING some Credit Myths! Meet me Monday – Friday ***This Week Only*** at 12:30p EST as we BUST a New Myth Each Day!!!

Today’s Credit Myth: “I Read that If I Consolidate My Debts, I Will Pay A Lower My Monthly Payments & My Scores Will Increase. Is this True?”

Let’s Make $ense of Some Thangs!

————————————–

Have questions, you’d like answered in our Credit Makes $ense segment? Email them here!

*** Social@MNHFinancialServices.com ***
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To start, grab your reports from bit.ly/IQreport OR MyFico.com and schedule an Initial Consultation Here:

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Are you a current member of my Epic FREE community Credit Makes $ense? Here’s the link to join us; visit the pinned post for your Freebies:

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See you tomorrow!!!

Your Partner in Prosperity,

~Netiva