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Need to Repair or Fix your Credit?
We offer the following services:

• Rapid Rescore
• Credit Letters
• Removal of outdated information on your
  credit
• Credit Score Strategies
  to help increase your
  score in just a few weeks!
• Credit Awareness Information

What makes the difference between an Excellent, Good, Poor and Bad Credit rating?? Click Below to find out what qualifies you for...

• Excellent Credit Home Loans

• Poor Credit Home Loans

• Bad Credit Home Loans

We however, we have an approximate breakdown of how your score is calculated.

• 35% of the score is based on your payment history.
  One of the main reasons a lender wants to view your credit score is to find out how you are at paying your bills on time. The damage or positive factor of a score is based on how many bills you have and whether or not they have been paid on time, if you have had a bankruptcy, how many went to collection and when these thing happened are factors as well. The more recent bad pays or collections have happened the worse it will be for your score calculation.
   
• 30% of the score is based on outstanding debt.
  We have found this area is the most effective in immediate score improvement or damage. How much you owe against your available credit limit is a ratio you must keep in balance. Installment loans like auto loans and mortgages aren't much affected by the available limit to borrowed ratio. Credit cards and finance cards are very affected by this ratio. The more cards you have at their limits, the lower your score. Your best position is to keep your card balances 29% or less of your available limit. We provide free credit analysis to help you build your score in less than 30 days with our tips.
   
• 15% of the score is based on the length of time you've had credit.
  Once you open a credit card, do not close it. The myth is "the more credit cards you have or available credit you have makes you a liability because you have access to that money and can charge it up".  Although this makes sense, the fact is, the longer you have established credit the better your credit score because the length of your credit history is indicative of your future payment habits.
   
• 10% of the score is based on the number of inquiries on your report.
  When shopping for a loan or you have been turned down for a loan and have been trying to find someone to tell you "yes", will place a few inquiries on your report. While you may be doing the right thing and shopping to save yourself money in interest, the bureaus look at this "shopping" as an indicator that you are in some kind of financial trouble or will be taking on a lot of debt. The more recent the inquiries, the worse the credit score. The good news is that they only count the last 12 months.
   
• 10% of the score is based on the types of credit you currently have.
  Credit cards are good to have. Merchants that have a card tied to a major credit card are good and healthy for your credit score so long as you maintain a good limit to balance ratio and pay on-time. However, finance company cards often offered by merchants that are not tied to a major credit card can harm your score. The bureaus figure that finance companies have a higher default rate than credit cards, therefore you are a higher risk belonging to that pool of cardholders. This is unfortunate because a lot of companies like this offer 0% financing and no payments for a given amount to time. If you have one of these accounts, do not close it as closing this card can damage the 15% of your score. Keep it open and use it, just try not to get any more!
  
  GENERAL OVERALL SCORE BREAKDOWN:
• Payment History                                        = 230 pts.
• Outstanding Debt                                       = 180 pts.
• Length of time you have had your credit  = 160 pts.
• Number of inquiries on your report          = 50 pts.
• Types of credit you currently have           = 80 pts.
  Your total score                                        (700) pts.
  
  
   
• The Mortgage industry generally categorizes credit scores like this. -- This is not the final word on the breakdown of credit scoring for home loan approval as we are able to get some clients in a poor credit home loan rating a good credit and sometimes even an excellent credit home loan utilizing our established relationships and proper loan packaging to paint the picture of each person's unique financial situation.
  
  
  >780          = Excellent Credit
  700 to 779 = Good Credit
  680 to 699 = Fair Credit
  620 to 679 = Poor Credit
  <620          = Bad Credit
  
  Back to Top - to read more on credit scoring!
  

Because we work "By Referral Only," we can make a 100% commitment to making sure your priorities, needs and dreams are met and to provide you with world class service.  As your trusted real estate mortgage consultants, we are in the business for life!!

With the right knowledge and advice comes a big difference. All real estate and mortgage companies are definitely not alike. When you're buying, selling or financing your home, having the right knowledge can literally mean the difference between thousands of dollars, more or less, in your pocket up front and over the life of your home ownership!.

Referrals are the Life Blood of our business!!

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Who We Are:

TheLoanPro.com is an A paper and sub prime lender providing the lowest rates and fees for excellent credit home loans to sub prime loans to include fixed and interest only home equity loans for any purpose.
  We specialize in poor credit home loans and those clients that have bad credit home loans which require an extra special dedication, persistence and established relationships to assure you get that money you need!
  We can fund any loan available on the market. From FHA Loans, VA Loans, CHFA, PERS, and any and all prime loans to sub-prime loans
  We'll help you with your home purchase, second home purchase, investment home purchase, debt consolidation loans, home improvement equity loans, refinance loans, to include reverse mortgage loans, land loans, construction loans, commercial loans.... Our lending has no limits!

What We Do:

Just about everything including... All Home loans, home or house mortgage purchase loans and Fast Refinance with Sub-Prime Bad Credit ok. Quick cash refinancing bad credit home loans, excellent credit home loans and loans for poor credit home loans products for mortgage refinance loan refinance second mortgage poor credit loan poor credit mortgage.

Who We Help:

  We maintain a benchmark in the industry as a lender proven to come through for those who have been previously turned down, have had a previous bankruptcy (1 day out of bankruptcy), have a poor credit loan history, active and previous divorce, tax liens and those who are self-employed income earners
 

Counties We Service:

California-Alameda Alpine Amador Butte Calaveras Colusa Contra Costa Del Norte El Dorado Fresno Glenn Humboldt Imperial Inyo Kern Kings Lake Lassen Los Angeles Madera Marin Mariposa Mendocino Merced Modoc Mono Monterey Napa Nevada Orange Placer Plumas Riverside Sacramento San Benito San Bernardino San Diego San Francisco San Joaquin San Luis Obispo San Mateo Santa Barbara Santa Clara Santa Cruz Shasta Sierra Siskiyou Solano Sonoma Stanislaus Sutter Tehama Trinity Tulare Tuolumne Ventura Yolo Yuba Counties - Basically All Counties in each approved state are available for service!!
This includes All counties of -Arizona, Nevada, Oregon, Idaho and other approved states. Call for Details!

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