Gabriel De La Cruz - Secure Choice Lending

Gabriel De La Cruz - Secure Choice Lending NMLS ID # 2127501
Secure Choice Lending NMLS ID : 1689518

We know that rates are on the rise. Ease into owning a home with our Smooth Start Loan Program. Through a variety of dif...
06/23/2022

We know that rates are on the rise. Ease into owning a home with our Smooth Start Loan Program. Through a variety of different options, you can temporarily reduce your interest rate for the first two or three years of your loan term. This can be applied to Conventional, FHA and VA loans!

Call me to learn more!

Gabriel De La Cruz NMLS ID # 2127501 | Branch NMLS ID # 291865 | Summit Funding, Inc. NMLS ID # 3199
| www.nmlsconsumeraccess.org | Equal Housing Opportunity

*This communication is for informational purposes only. This is not a commitment to lend. All loans are subject to buyer and property qualifications. All programs, rates, and fees are subject to change or cancellation at any time and without notice. Contact Summit Funding, Inc. to learn more about mortgage products and your eligibility.

Can your credit be repaired? Yes! Here are the 5 things that impact your credit score the most: ✔️ Payment History: Pay...
04/28/2022

Can your credit be repaired? Yes! Here are the 5 things that impact your credit score the most:

✔️ Payment History: Paying debt on time and in full has a positive impact. Late payments, judgements, and charge-offs have a negative impact.
✔️ Outstanding Credit Balances: Your debt ratio of an outstanding balance to available credit is important. Keeping that below 50% is wise, and below 30% is ideal. Don’t close your accounts as this can impact your score, even if you pay down or pay off your cards. It may be worthwhile to call your creditors and ask if they can increase your credit line in order to reduce your credit utilization.
✔️ Credit History: The length of time a credit line has been opened is important. A seasoned borrower is a strong borrower.
✔️ Type of Credit: Having a mix of auto loans, credit cards, and mortgages is positive, rather than a concentration in credit cards only.
✔️ Inquiries: Hard inquiries for credit can negatively impact your score. The maximum number of inquiries that will reduce the score is 10. Any inquiry beyond a six-month period, will not further impact the borrower. Each hard inquiry can cost 2-20 points on a credit score.

Interested in a complimentary credit evaluation? Get ahold of me and I am happy to help!

Gabriel De La Cruz NMLS ID # 2127501 | Branch NMLS ID # 291865 | Summit Funding, Inc. NMLS ID # 3199 | www.nmlsconsumeraccess.org | Equal Housing Opportunity

Planning to buy a house this year? The good news is that the market is softening, but supply remains skim, and mortgage ...
04/26/2022

Planning to buy a house this year? The good news is that the market is softening, but supply remains skim, and mortgage rates have increased. So, what's your best bet?

Get pre-approved BEFORE you go home-shopping & have your approval letter ready to show the sellers.

Have more cash on hand just in case you are able to increase your offer or down payment, making your offer stand out.

Not sure what to do next? Give me a call and I can walk you through a winning strategy based on your personal goals.

Call me at 541-868-1850

Gabriel De La Cruz NMLS ID # 2127501 | Branch NMLS ID # 291865 | Summit Funding, Inc. NMLS ID # 3199 | www.nmlsconsumeraccess.org | Equal Housing Opportunity

You have probably heard or seen that interest rates are going up. Did you know that Summit Funding offers a loan program...
03/28/2022

You have probably heard or seen that interest rates are going up.

Did you know that Summit Funding offers a loan program that allows you to lock in your mortgage rate BEFORE you purchase a home? Rates are on the rise, but now you can shop with confidence knowing your rate is secured! Contact me for more information.

Check this out! We added another FHA Down payment assistance program. This new program is not limited like other Down Pa...
03/24/2022

Check this out! We added another FHA Down payment assistance program.

This new program is not limited like other Down Payment Assistance Programs and features:

▪ NO regional or geographic limitations
▪ NO first time home buyer requirements
▪ No Income restrictions
▪ No home buyer education requirements
▪ Min credit score 640
▪ Max DTI 50%

The assistance can be used towards your down payment, closing cost, or both.

Address

2727 Delta Oaks Drive
Eugene, OR
97408

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