Do You Have Less-Than-Perfect Credit?
If your credit is less than perfect, you're not alone. A recent study by the Mortgage Bankers Association of America revealed some startling facts: of 100 people who applied for a standard 30 year fixed rate mortgage through traditional lending avenues (banks, savings & loans, credit unions, etc.), less than 40% qualified for that loan. That leaves 60%+ who were forced to seek alternative real estate financing solutions. Credit issues that can prevent you from obtaining a traditional lending profile include:

• Late Payments on Home & Auto loans, credit cards, etc.
• Collections
• Charge-Offs
• Judgments (also called Abstracts of Judgment)
• Bankruptcy/Consumer Credit Counseling
• Foreclosure
• Incorrectly Reported Credit Items
• Low Credit Scores

These items, unless paid off and/or eliminated, will not go away, and will continue to prevent you from realizing your best financial future. Over the years, we've seen firsthand that "Bad Things Do Happen To Good People". Credit challenges aren't necessarily permanent, though. Through hands-on experience, we've learned the ins & outs on how to help those with less-than-perfect credit accomplish the following:

Home Purchase and Refinance Solutions: Florida Sunshine Mortgage Services, Inc. specializes in helping people with less-than-perfect credit attain the American dream of home ownership. Also, for those current homeowners who've faced credit challenges, and wish to lower their overall monthly payments and/or clean up their credit, I offer a very unique service: Equity Repositioning. To learn more about how you can own a home of your own, or to learn how Equity Repositioning can help you return to the road of financial success, please contact me for a free, no obligation financial consultation.