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What is a credit report? There are three companies that monitor your credit: Experian, Trans Union and Equifax. These agencies produce a report that lists all of your lines of credit, negative and positive items, and it also shows you an overall score. Often times your mortgage interest rate is directly related to your credit score.

How do I repair my credit? To dispel any myths, there are no quick fixes to repair credit. Credit repair requires time and money. And nearly everyone has items on their credit report which are not quite correct. Individuals can dispute these incorrect items. If they do, the credit reporting agencies such as Experian, Equifax and Trans Union then have 30 days to investigate the dispute. In many instances, for whatever reason, the dispute is not resolved within 30 days. In that case, the credit reporting company removes the disputed item from your credit report. This process is repeated over and over. It works, but it takes time and some money. It is highly recommended that you work with a REPUTABLE professional.


When shopping for a mortgage it's important to know that different lenders have different programs and different rates. Just like shopping for car insurance, it's important to explore options looking for the best service, rates and terms. Our team has spent a considerable amount of time over the past decade researching various companies that match homebuyers with lenders and/ or mortgage brokers. Waterstone Mortgage does an outstanding job of providing homebuyers here in the Twin Cities with mortgage services. In addition, they have an outstanding team of loan officers all around the Twin Cities area that works to help buyers and homeowners with all of their mortgage needs.

Give Mike Ouverson at Waterstone Mortgage a call at 612-202-8321 or visit www.ApplyWithMike.com. By visiting this site, Waterstone will provide you with a "customized mortgage quote" based on your specific needs and situation. Waterstone cares deeply about their clients and their service and pricing is second to none. Give them a call today for all of your mortgage questions. Mike Ouversonís NMLS #309068.