Sheree Busby Sr. Loan Officer NMLS 487423

06/02/2026

The 4 C’s of Credit
There are typically 4 aspects an underwriter, loan officer and need to negotiate to be preapproved for a mortgage loan.

The first One is Credit- Couple of options here
1) Soft pull- usually best option if you are shopping mortgage rates or haven’t made a decision on a house—Bonus this doesn’t affect your credit.
2) We call the 2nd option a tri-merge—full credit history, scores may be higher or lower.

What if you don’t have a credit score? We can help you create a credit score- this takes a while and effort, so let’s get started early.
Tip – see the Red section-you might want to take advantage of this.

http://bit.ly/3KHhGxP

Give a call with any questions.

Behind the scenes of the 4 C's of mortgage lending! Learn some of ...

05/28/2026

Bank statement loans, asset depletion, CPA prepared P&L, and Debt Credit Service Review loans for investors are worth looking at to see if they can enhance your business plan. I would love to sit down with you and go over these programs to see if they can help expand your business plan.

05/27/2026

AI is shaping up to be a very powerful tool that is amazing for business but also for going crazy designing garden beds! I invite you to explore this tool with me and let’s use it to grow our business together!

05/26/2026

Glenn Stearns is leading all the exciting things happening at Kind Lending!

05/22/2026

If your goal is to use the equity in your house for improvements or consolidate debt, or you pick the reason...Let's chat and decide how I can help you achieve your goals in 2026. We have lots of options to help you.

05/15/2026

05/14/2026

Gas, groceries, high credit debt/rates. Does it make sense to wait for rates to come down? Maybe, Maybe not. Let’s check it out together.
I’m here for you locally and I want to help.

05/12/2026

Perfect!! Come and Join Us. No invite needed 😊

05/11/2026

Don’t let saving for a down payment or questions about sketchy credit history stop you from jumping into “Spring Doing It’s Thing”
We have lots of loan products to help you put together an option for you.
We can help

05/08/2026

Haven’t saved enough? A gift not in the cards.
These are to common reasons I receive when having this discussion.

Let’s solve this together. Talk Soon!!