Tony Bolding- Mortgage Loan Originator NMLS 892203

01/12/2026

The spring market is fast approaching. If you are thinking of buying then please take time to see below. Your credit score is a big part of the rate you will be offered.
Raising your credit score can help you qualify for a mortgage and secure a better mortgage rate. And for many people, making a few financial adjustments can raise their FICO score, resulting in a lower mortgage rate that saves hundreds of dollars every month.
Here are 4 easy and effective tips to help you raise your credit score.
#1 Correct Mistakes on Your Credit Report
Lenders use your credit report to determine how much money to lend you for a home, and how much interest to charge you for the loan.
So it’s important that you regularly monitor your credit report, review it carefully, and correct mistakes. Just 1 mistake on your credit report could cost you thousands every year in additional interest on your home loan.
#2 Increase the Amount of Credit Available to You
The easiest way to raise your credit score is to increase your credit limit, which will reduce your utilization ratio. Depending on your circumstances, this could raise your credit score.
To accomplish this, you can either apply for another credit card or ask a current credit card provider to increase your credit limit. If you have a stable income and have made monthly payments on time, you shouldn’t have a problem increasing your credit limit.
#3 Pay Down the Balances on Your Credit Card
Paying down your credit card balances can help you increase your credit score, as a large portion of your score is determined by the percent of available credit that you are using. Ideally, you want each card balance to be under 30% of the total limit while also keeping your total credit usage to less than 30% of available credit.
A utilization ratio under 30% tells lenders you can manage credit responsibly.
#4 Settle Past Due Debts
Roughly one-third of your credit score is determined by your ability to make payments on time. If you have any payments that are 30 or more days past due, paying these debts will improve your credit score over time.
If you cannot pay the debt, but make arrangement to pay the debt, it could be structured with some creditors to show that you are current on your payments. This could have a huge impact on your credit score and help you qualify for a better rate on a home loan.

11/29/2025

5.0 star review received on Experience.com for Tony Bolding by Heather M M - Tony Bolding made the process so smooth and easy for us! He is amazing! I will be referring family and friends.

Click to see all 60 reviews of Tony Bolding, Loan Officer

04/05/2025

Rates are falling. Here is why.

Lowest Rates Since October as Tariffs Spark Staggering Volatility
It was a great week for fans of chaos, volatility, and low interest rates as all 3 were delivered in spades. Despite the presence of several big ticket economic reports, the catalyst was Wednesday afternoon's tariff announcement followed by the international response on Thursday night.
For the most part, the market has been responding to tariff news by selling stocks and buying bonds. Because mortgage rates are based on bonds and because rates fall when demand for bonds increases, this has also meant lower mortgage rates. A common market jargon term for this phenomenon is "flight to safety."
It's not just US tariffs that made the news these week, even if they were the catalyst for what followed. Early Friday morning, China announced retaliatory tariffs on the U.S. thus making investors even more concerned about the global economy and further fueling the flight to safety.

Call now to connect with business.

04/05/2025

Open house today 11am to 2pm, Click below to check out all this home has to offer,

Nestled on 24.08 acres of picturesque land, this exceptional property offers both tranquility and convenience, being less than 10 minutes from town. A haven for outdoor enthusiasts, you’ll enjoy a beautiful river, serene pond, and a thriving swamp – perfect for hunting, fishing, and exploring th...

03/05/2025

Tony Bolding
ALCOVA Mortgage
Residential Lending
Zero down payment
Purchase and Refinancing
Cell- 703-625-1132
Email- [email protected]

Tony has been serving mortgage clients, builders and realtors for the past 30 years! His expertise in residential lending has provided financing for thousands of clients. For many years, his reputation in the industry has given confidence to clients and business partners who refer their friends, family and colleagues alike. You will not find anyone in the business that will work harder for you! If your experience with financing or refinancing has not been a “10”, why not call Patrick, you will be happy you did!

Whether you are a first time home, a business owner with complex financials, looking to renovate your home or in need of mortgage advice, Tony's team is there for you! Why not give them a chance to serve you, we know you will be satisfied with your experience.

01/17/2025

Understanding what makes up your credit score. Hint... It's not just paying your bills on time.

11/07/2024

https://www.instagram.com/reel/DB01GEpvsPJ/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA%3D%3D

11/04/2024

A powerful sermon from a child.

10/31/2024

Effective immediately, we are temporarily increasing our conforming loan limits until the actual FHFA release of the 2025 limits. We have investors prepared to allow us to originate at higher limits until the official limits are released.

Temporary increases are below:

1 unit - $795,000
2 unit- $1,000,000
3 unit- $1,200,000
4 unit- $1,500,000

Call now to connect with business.

10/25/2024

Makes Since. I've been saying this for 50+ years

09/17/2024

Stolen from a friend.

What's in your wallet?