Home Sweet Home

"Your Housing Solution!"

EVERYONE APPROVED for the Home Ownership Program!

The Home Ownership Program

Home Sweet Home - Home Loan Qualification Program Experts

Home Sweet Home is NOT a debt settlement organization or a traditional credit repair company. However, we are a team of expert financial & housing consultants. Our staff offers a unique educational based service on how to become a homeowner. Consequently, we offer buyers a home loan qualification program called the Home Ownership Program. Our staff is comprised of former mortgage loan officers, real estate brokers, financial advisors and credit experts. Indeed, these professionals have a combined 50 years of experience. Moreover, this program is an excellent loan qualification strategy. It goes far beyond just improving credit. Absolutely, experience matters. Equally important is having problem solving skills.

Home Sweet Home vs Traditional Credit Repair

Traditional Credit Repair Problems

Unfortunately, credit repair companies often create conflicts with credit bureaus. Too, this results with little or no positive impact to credit.

  1. Typically, credit repair companies teach borrowers nothing about credit. Why? It's about making money.
  2. Truly, credit repair is an "old school" system. And, their techniques have become obsolete. In many cases, borrower credit is damaged more so. In essence, competent help is a must. It really is.
  3. Overall, the credit repair process is slow. Indeed, when the borrower pays monthly, these companies are motivated to work even slower.
  4. Most credit repair plans are expensive. On the whole charges include multiple sets of fees. Moreover, fees include: set up; per-item; monthly, etc. Usually costs run into the thousands.
  5. Typically, management has NO industry experience in lending, real estate, or credit. Altogether, it's quite often the case.
  6. Unfortunately, many of these companies have poor reputations.

Why Home Sweet Home Is Better Than Credit Repair

Home Sweet Home Loan Qualification Strategies - A Far Better Approach

  1. In general, Home Sweet Home offers an advice-based, educational approach. We do not make disputes on the customer's behalf. Basically, this empowers borrowers to succeed. Home loan qualification is very realistic.
  2. Competitively speaking, we offer ONE set affordable price. Clients can pay in full or make 2 payments to payoff.
  3. Also, management has 50 combined years of experience in lending, real estate and credit underwriting. As has been noted, this is key.
  4. Additionally, Home Sweet Home offers various income opportunities via our Careers tab. Consequently, more income helps with how much house you can afford.

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A Superior Home Loan Qualification Program

For sure, we can show you how to meet FHA home loan requirements. Absolutely, this loan is very popular first time home buyer loan. Of course, you may ask, "How much can I borrow for a mortgage based on my income?" Great question. Really. For the most part, 33% of gross income is a good rule. Also, using a loan prequalification calculator is a good tool. You can also use this mortgage loan calculator. Importantly, know your numbers. Seriously, consider calling Home Sweet Home for answers.

Again, another good question, "How much do you have to make to qualify for a mortgage?" Also, this is a common question. Surely, this depends on the price of the housing where you want to live. Certainly, approval also depends on your income. Ideally, your income should be 3 times your what your house payment is. Mortgage rates matter too. Finally, income will impact your first-time home buyer loan options.

Home Loan Qualification Timeline

In the final analysis, it takes time to loan-qualify. For the most part, it can take as little as 30 - 45 days. In other cases, it may only take 90 days. Also, time to establish credit matters. On balance, many loan approvals require 12 months of current trade lines. By and large, late payments are a no-no. In short, rapid re-scoring can also speed up approval. Depending on how damaged your credit is, improving some key issues right away can help you qualify for FHA much quicker. Your credit does not have to be perfect, just good enough. Here are some stats you can review. How to qualify for a home loan with bad credit. In fact, an FHA loan bad credit first-time buyer option may be available for you quickly! So, sign up TODAY for the Home Ownership Program. In a word, start the process of owning your own home NOW! Don't wait!

home loan qualification program couple in front of house